Continuing to carry on about helping people with difficult problems, I have been treated with concise instructions like this, many times in my life and nothing is more valuable. In fact, I’ll give you a quirky example.
When I was a teenager, I wanted a credit card. Credit was hard to get back then but I’d heard it was something you should establish in your life, a so-called “line of credit”.
I had no co-signer. I’d been recently homeless, I had very little savings that I had scraped together by literally depositing one or two dollars at a time. I have my original passbook, I can prove this but besides that, you see the situation here. I was a smart kid but how is that going to solve a problem like this? I wound up asking an old man for advice.
“Say! I heard I should establish credit. How do I do that? How did you do it?” I asked.
“Well, Elsa, I’d say you’d better make a trip to the bank. That’s who gives you credit, so that’s where you’ll have to go to gets some.”
“Yes. Go to the bank in person. Don’t call, it won’t do y0u any good. Go in person and dress nicely. When you get there, go to the desk in front.”
“Ask to speak with the credit manager if they have one. Otherwise, ask to speak to the Bank President,” he said.
I listened carefully and nodded solemnly.
“Yep, tell the girl at the desk that you have some business to discuss; you’re looking to establish some credit with the bank and she’ll go get one or the other for you.”
“Tell them what you want and ask them how to go about it.”
“They’ll tell me?”
“Yep. That’s their job.”
I established my first “line of credit” when I was 17 years old. I had about $250 in the bank at the time but was able to show the President that I had made weekly deposits without fail for more than a year. Yes, the deposits were for $3-5 but clearly I was a responsible person and therefore, I explained, they should give me a “line of credit”.
I couldn’t believe it when the President instructed the bank gal to give me a credit CARD. I left that bank, teary with joy.
When you hit a wall, it is often a Saturn type that will help you over it.
Who can relate?