Diary of a BANKER-Part 11
blog·@rabihfarhat·
0.000 HBDDiary of a BANKER-Part 11
 I have been working at the bank for more than 3 years now, i started from scratch, from nothing and it was kind of hard to go on without any idea when i am going to start building my life (it’s not like i am working because i am a workaholic!! It’s all about money), beside of wearing the suit that i hate (i still hate it but i am getting used to it), i spent most of my career as a replacement Main Teller which means going form branch to another almost all over the country without a car neither a good way of transportation.  [image source](https://goo.gl/images/27BoL8) I spent a part of time jumping from post to another in the bank some times with rectification of salary and other times without, until i worked an over time job, the important thing was that i tried to stay positive even though the entourage and most of my colleagues didn’t help me that much (there is lack in optimism), but i worked hard and i achieved my first goal, “buying a car”.  [image source](https://goo.gl/images/DTtdHJ) Ok! I took a car loan it wasn’t cash but finally i am a 2001 Toyota Rav4 owner, this car was just like my baby, i treated her with respect and love. So now i am a car owner and a borrower and the most important to me as a next step is how to pay my debt in the best way and not to be effected negatively, taking into consideration that my debt is a bad debt.  [image source](http://customsnews.vn/do-not-exclude-liability-for-individuals-causing-bad-debts-3593.html) Since debts are divided into categories some of them are the good debts (i will talk about it later), and we have the bad debts. According to [survey](https://www.debt.org/advice/good-vs-bad/) more than 53% of workers stress is from having debts (i am talking about the bad ones). The bad debt (other than the uncollectible) is a debt in which the borrower lend money to own something in which it’s value will be decreased without any benefit in generating money not now nor later. For example having a credit card, car loan, or TV. The general idea from my bank experience as an employee and a borrower the debt should not exceed 33% from the monthly salary and sometimes it may reach to 43%, any number above that should be considered as a red alert to the borrower. To be continued with Diary of a BANKER Part- 12 **The text published in this post is my original work.** Some images are from different sources click on the link below the image to view the source. # <center>**Kindly don’t forget to check the old parts from “Diary of a Banker” for entertainment and more information.</center> [Diary of a Banker part-1](https://steemit.com/blog/@rabihfarhat/diary-of-a-banker-part-1) [Diary of a Banker part-2](https://steemit.com/blog/@rabihfarhat/diary-of-a-banker-part2) [Diary of a Banker part-3](https://steemit.com/blog/@rabihfarhat/dairy-of-a-banker-part-3) [Diary of a Banker part-4](https://steemit.com/blog/@rabihfarhat/dairy-of-a-banker-part-4) [Diary of a Banker part-5](https://steemit.com/blog/@rabihfarhat/dairy-of-a-banker-part-5) [Diary of a Banker part-6](https://steemit.com/blog/@rabihfarhat/diary-of-a-banker-part-6) [Diary of a Banker part-7](https://steemit.com/blog/@rabihfarhat/diary-of-a-banker-part-7) [Diary of a Banker part-8](https://steemit.com/blog/@rabihfarhat/diary-of-a-banker-part-8) [Diary of a Banker part-9](https://steemit.com/blog/@rabihfarhat/diary-of-a-banker-part-9) [Diary of a Banker part-10](https://steemit.com/blog/@rabihfarhat/diary-of-a-banker-part-10) https://steemitimages.com/DQmV8W3UQFcGrfPZ9rMxg8UrNYymAbB8VW3fTzBDSN1Gc7R/3.png # <center>**FOLLOW ME** [@rabihfarhat](https://steemit.com/@rabihfarhat)</center>