I used to borrow money from lending firms before but I had to stop because I was not able to get a good sleep and I was always disturbed about the money I owe themYes, so true, in fact, when I was a new worker and an extravagant one, I always ran out of money and always run to a lending firm . Being a young employee at 21 is still erratic and unpredictable. But I changed my life style when I reached 24. At that age, I started to save money.