1. Instance No. 1
Colleague No. 1 is a daughter of a rich contractor and lives in a big bungalow. She comes to work only to pass time and to get away from her domineering mother. She went with her mother to Taiwan and PRC for holiday a couple of years back.
Colleague No. 2 is a daughter of civil servants. She decided to take out a personal loan to go to Canada for holiday. She told Colleague No. 3 ‘If Colleague No. 1 can do it, so can I’. But she forgot that Colleague No. 1 has a rich father to back her up whereas she herself has none.
2. Instance No. 2
It is not a matter of which credit card/s you do have but which one/s you do not have for Colleague No. 4.
Everytime salespersons representing different credit card companies come to our office, Colleague No. 4 would be the first one to jump to the opportunity of getting a new credit card. She is using the new credit card to pay back the amount owing for the previous credit card and this has become a vicious cycle for her.
3. Instance No. 3
For these past 9.5 years, I have been helping colleague No. 3 NE in giving her advances from her salary everytime before month end. Eventhough I am holding the petty cash for the company, most of the time I have to fork out advances from my own pocket to help her. Usually she would pay me back each time she received her salary at the beginning of the month. But the thing is she would start asking for advances again a few days after pay day. She not only owes me money, she also owes the company money.
At first when I heard that she was buying a terrace house for approx. RM168K (after 30% discount for being a
'Bumiputra' and an additional RM2K discount because the housing estate is our company project), I thought that a foreign friend of hers is using her name to buy the house in order to get the discount.
But then she asked me to photocopy her salary slip to put in her application to the Employee’s Provident Fund to withdraw money towards financing the house loan.
I am guessing that the combined salary of hers and her husband should not be more than RM4.5K per month. But she always tells me her hubby hardly helps her with the household expenses and he is forever drunk when coming home late at night, meaning he usually spends all his hard earned money on booze.
During the long weekend just past, she messaged me and asked whether I can lend her RM1K. She had asked the lady boss for the same thing before the long weekend but so far she has not received any answer yet.
(Last year before she went for an operation, I lend her the same amount of money she is asking now, for her operation and up until now, she managed to clear half of this debt)
I replied her by saying that I can lend her the RM1K provided that the lady boss will agree to lend her the money, meaning I would get my money back instantly instead of waiting a couple of years down the road. I also told her I am saving money myself for something and therefore can no longer help her as I have been doing. Otherwise she will think that I am at her disposable everytime she asks as if I am a walking bank, who btw am not charging any interest whatsoever.
Because indirectly I had said no to her this time round, she does not look happy when I arrived work this morning. She said the developer had been chasing her like a madman during the long weekend and she also complained to me that if the lady boss does not want to lend to her, she should say so, so that she can source the money from elsewhere. By the end of the day when the lady boss still did not say or do anything, she requested me to help her to photocopy her last three months salary slip so that she can go and apply for a personal loan of RM1K. Could you believe that?
If you do not have RM1K in your bank account, what makes you think you could afford a RM170K house, and not taking into account the interest payment you have to pay!
I am absolutely dumbfounded by her decision to buy the house.
After all that been said, I always believe in the Chinese phrase, ‘if you do not have such a big head, do not wear such a big hat!’
4. Instance No. 4
Not only have I been helping NE with advances, I am helping office boy TI as well. With the bonus received last week, I thought he would at least pay me back some money.
But he apologised and said he could not because his brother is buying a house and TI with another brother, meaning three of them altogether are trying to get money out from their Employee’s Provident Fund to finance the bank loan from HSBC.
Since the law firm is helping them to get the S&P Agreement done, they had to pay up the law firm when they slapped them the cash bill last week and therefore TI had spend most of his salary and bonus on the professional fee.
When I asked him why he should have to fork out the money for the professional fee when he is not going to stay in the house, he said his brother did not have enough money to pay for the fee. Ok, I can accept that. I cannot accept that but what can I do? Point a gun at TI and tell him to pay up or else I will the pull the trigger?
Today he asked me whether I can lend him RM200 to open a bank account at HSBC. He has a bank account in Maybank so I asked him why he cannot use that bank account. He said because the housing loan is from HSBC. I told him straight I could not do that anymore. Otherwise he will also think like NE, forever treating me like a walking bank. (Since he does not work during weekends, I had advised him to look for a part-time job in order to bring in more money. But he did not take heed of anything I had said so far. Each time he does not have enough money, he will ask the lady boss for company loan)
Ok, I am not being jealous or whatsoever here. I am not acting as if other people cannot own a property. I am just trying to point out that, if something involves me and in the end I feel like I am down in the dumps for not helping them, I gotta share my thoughts. Truly, I was down in the dumps after saying no to both of them but as the day progressed, I felt so much better.