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You Dont Need No One Else

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When to Say No



When your landlord threatened to throw you out if you did not pay the overdue rent, it was right to ask the boss for a payday loan. When she was not convinced of your theatrics, you had no choice but get one from a lender. With the boss, the loan would have no interest but with a lender, you had to kiss an extra $50 for a $200 loan goodbye. That meant you were poorer by $250 the next payday when you paid up.

But it was so right. You still have safe place to stay. This is one smart reason to get a payday loan. But if you need a loan to buy a TV set because the world was having the latest home theater, this is a BIG no-no. Look what comes with the loan, added electric consumption, eye bags because of late night movie viewing, tardiness at work, and worse a warning from the boss. So the loan was not worth the trouble, right?

These examples just proved that there are times when you should not rush to take out a quick loan. Although the thought of a fast loan is tempting, think of the possible consequences. True you have the right to make choices but here is the lowdown, you do not have the right to choose the consequences of you choices. So better lay off that loan when you can still make do with what you have and there's no life at stake.

More Reasons to Say No

When you take out a payday advance on impulse because it is available and you think you can afford it because you have a steady income every fourteen days it sounds logical enough; but is it practical enough to send you eagerly running to the lender to pay the loan when the time's up? Yes, it is definitely a chore to pay the loan when the money was not spent wisely. You have bought a new TV set but ignored the landlord's hysterical pleas for your rent.

Out to the streets, you go, with your new TV behind and no roof over your head and you still have a loan to pay. Well, hindsight was better than foresight in this scenario. Here are more reasons why you should not get a payday advance:

- Existing unpaid loans

- High interest rates

- More pressing priorities than buying new clothes

- There are better and less riskier options available

Of course, there are more reasons that could be listed here. But frankly, you know when you should not get a cash advance. Did you not hear warning bells when you planned to take out just this one loan to fund a birthday bash? Did not that little voice warn you during the revelry to drink hard and be merry for on the fortnight you cry? That is it; the little voice knew when you should say no to a payday advance. Now you know.

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You Dont Need No One Else
I think there is a misconception about what a mentor truly is. A mentor is someone who guides you, someone wise, someone you trust. A mentor can be your confidant, advisor, coach, or even your role model. Many people swear by their mentors and frequently credit them with much of their success.

Yet you do not have to choose just one! The mentor-prot'g? bond is certainly a special one, but this does not mean you are limited to the knowledge of only a single source. In the early years of my adult life, I was hoping to find just one person to guide me and direct me, but I never did find that person.

Over time, a few things became clear to me:

1. There is no single person who can provide us with every answer. So why abide by one mentor who you know cannot meet every requirement? I discovered that I could learn more, not by following the advice of a single person but by observing a multitude of people.

2. There is no perfect role model. I used to believe there was such a person and that I would simply model myself after him. All I would have to do is watch and do the things he or she did. Unfortunately, I haven't met that person yet.

3. There is no perfect person. Very few people possess all of the qualities that I think define success and happiness: great friends, career, health, family life, finances, social life, leisure, spiritual life, community involvement, etc. Most of the very successful people I've met had one or some of these, but hardly any had all of them. So why compare myself to the perfect person who doesn't exist?

4. I didn't have all of the answers, and I never will. I knew that I was going to make mistakes, but what I discovered was that it was much easier to learn from other people's mistakes than to make all of the mistakes myself.

To me, my mentor had to:

---Take a personal interest in my development and support me in the avenues I take.

---Help me strive toward the highest of aspirations, not only in career but in the satisfaction of life.

---Want to share his knowledge and experiences, in hope that I reach a high level of achievement.

---Show me the need to fulfill all responsibilities, both at home and away from it.

---Care about the well-being of himself and his family.

---Be a great overall example.

Needless to say, I still haven't found that one mentor yet.

Since I couldn't find that one special person to guide me, I needed to create a mentor. Now, how does one go about doing something like that? Well, it's not as hard as it seems. You first have to determine what you want. That is most important, not only because it's part of the mentor process but because it directly concerns what will make you happy in life.

Once you figure out what you want, find the people that have it or know how to get it and make sure they are willing to teach you how to get it. You don't even have to know them personally. As your mentors, they can teach you through a variety of ways: books, audio tapes, lectures, seminars, etc. A mentor then can have millions of prot'g's.

Here is some additional advice in finding mentors:

1. You can learn from practically anybody. In essence, anybody can be your mentor. Not only can you learn what to do or how to behave, you can also learn to avoid the wrong paths that others have followed.

2. Identify the key people in your life. Mentors can be close family members like parents or siblings, and they can also be public figures. Again, don't believe that you have to have a close relationship with your mentors. Public figures can be key people in your life because they can have a profound effect on how you live it.

3. Find people with specialized knowledge. If certain people have written an insightful book on a particular subject or have inspirational life experiences to share, then they might be possible mentors who can help in motivating you. Plus, if they are famous, they are easy to watch via television or the Internet, and their material is not difficult to find.

4. Try to ask as much as possible. Ask people for advice, ask them how they got where they are, ask them how you can get the same things. Also ask yourself what certain people would say or how they would act in specific situations. The more prepared you are, the less likely you'll make a mistake in the future.

5. Mentors can simply be people who are happy in life! Salary and position don't matter as long as there is contentment and commitment. Mentors can range from athletes and politicians to religious figures and stay-at-home mothers.

I have hundreds of mentors. So how many do you have?

This article is part of an Internet Course titled, "Self Improvement 101: The 62 Essential Truths about Improving Your Life! To get a Free Copy of the course ( $59.00 Value), go directly to

COPYRIGHT (C) 2004 by Self Improvement Online, Inc.
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Both Wendy Pollman & David Riklan are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Wendy Pollman has sinced written about articles on various topics from Payday Loans, Cash Advance Loan and Parenting. If you need a now, check out those compa. Wendy Pollman's top article generates over 3600 views. to your Favourites.

David Riklan has sinced written about articles on various topics from Education, Payday Loans. ABOUT THE AUTHORDavid Riklan is the founder of , the #1 Rated "Self Improvement" site on the Web. He creates resources, such as his e-book,. David Riklan's top article generates over 880 views. to your Favourites.
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