Sunday, March 25, 2007

Credit Devatta Namo Namaha

Engineers and Credit

Well, it is my privilege to write about something as great and wonderful as credit.

I am an engineer in the making, in other words I am a college student; a college student in India. This means that I am not employed in any part time job which pays for my expenses. The money required for my futile needs is sent to me by my loving mother or caring brother. And as is the case with the majority of the students, the money in my wallet (like all other things in this world) does not last for ever. Replenish able –yes. But not ever lasting. And when the phenomenon of running out of money occurs, the divine power of credit shines upon a mortal soul.

No money for tea??? No cash for cappuccino??? Just step up to the concerned seller and say “please add it to my account” or typically “mere account mein likhe lena” (try for a facial expression which make you look constipated). And you will have your tea (or cappuccino).Ahhh, the taste!!!!!!!. The feeling of walking away without paying gives a profound sense of satisfaction and in that feeling the tea tastes even better.

What I am writing about is not to be confused with the loans that we take from our dear friends from time to time. Both the credit and the loan system have flourished due to the financial deficit of an individual...but taking loan is different from credit. Loan is borrowing money and that is not good. Because borrowing money makes you feel poor and the other party richer (though both your respective parents might be working in government offices and are always trying to save that extra rupee). This might leave you with a sense of inferiority (which is not good).

Credit, that I am writing about is entirely different. It is the process or idea which allows one to pay his bills when he/she wants to or feels like paying them .The money that I have might be needed for other, more important things thus prompting me not to pay for my tea immediately. For example my mother used to buy the supplies and all the stuff from the near by kirana store and pay him at the end of the month when she received her salary. In the interim, the money she had was spent on more important things, namely, us: - her children. For our chocolates or cakes or chips packet, etc etc (sob!!! I love her).

So u see credit helps you prioritize your financial expentidure.WOW!!!! How wonderful it sounds when it is put that way. Another example, the 10Rs I have will buy me a nice cool cup of cold coffee. But I might need it to pay for the Xerox of an assignment which is to be submitted by evening. And thus the cold coffee goes in as credit (by reciting the above mentioned mantra to the Nescafe stall fellow) and the money for the Xerox is paid. Off course, one might ask as to why the cold coffee is needed when I have no money?? But you see that is the whole idea of credit my friend. Fulfilling your little pleasures even in the momentary deficit of money. The useless yet important phone calls to your girlfriend(hoping you have one),the tea which you need even though it is 12 in the night, the shirt that has to be washed urgently because you have nothing else to wear ;everything can be done by paying homage to the ‘MAHAN CREDIT DEVATTA’

I do not have strong evidence to prove that the female students in our college practice the holy tradition of credit. But judging from the above example of my mother, I am sure they will put it in action at some or the other point of life.

So you see my friends. It is unavoidable. It teaches you many things. It fulfills your little needs.BUT.Be careful. That wallet of yours will be filled with currency at some or the other time and at that time you better pay up. Or kiss your tea (or cappuccino) good-bye.

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