Banks

What do you think about banks and what is their real purpose? I think for me bank's are the worst thing in the high street,the problem is that whenever you need something for yourself, home or family you go to the bank because it's an easy way to get the extra money you need, all you've got to do is to fill out some forms and submit it to the bank manager or the person in charge of loans and then wait a couple of days until the loan gets approved, then off to the bank, sign a few forms and then collect the money, wow. The only problem is that although you need the money you don't think about the long term like how many year's it will take to pay the money back. It's the same with credit cards which are attached to a bank, great to have in your pocket for some easy money any time of the day or night but by using it you don't think about how much interest you will be paying back because you used that card. Well that's ok until maybe a year later you need money but because you have a loan and have to pay back your credit card bills and you find out that you're not credit worthy so therefore no way of getting easy money and you don't have enough money left from your wages because a large amount of money is taken out straight away by the bank so if you need money then you will have to wait. If you have a for instance a two year loan then for the first year all your doing is paying the bank interest on the loan not actually paying the loan off so no more money when you really need it, all because of that terrible mistake of going to the bank in the first place, you then think to yourself why did I take the loan out in the first place, I should have saved money out of my wages until I had enough money to pay for whatever I needed, that would be great in a perfect world where you get a decent wage and can save some money but it's not a perfect world and that's why we have banks to sort of falsely making it a perfect world. I myself can't wait for my loans to get paid off then all my pension will be mine, no more loans, save the money and then get what you want or need, I can't wait, thankfully I gave all my credit cards back so now all I have to pay for are the loans which I took out so long ago. That's why I don't like banks and only go to them to get what's left of my pension which is enough to pay the bills which is the most important. There will be no more loans for me and I would advise people to think about it before going to the bank, you will probably regret it sooner or later so don't do it, try to save the money and then spend it without having to pay interest, that's my personal opinion about bank's, I wonder if you feel the same way as I do, if so don't take out any more loans and get rid of your credit cards and then perhaps you will have some money in your pocket not in the banks deep pockets. We'll that's all for today but think before you put your signature on the dotted line, which I hope you think is good advice.