RE: The uncertainty of taking a loan
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Many years ago my husband took out a loan for a car and we worked out that we ended up paying back double what we borrowed. Since then we decided never to get a loan again. Business is often even more uncertain than job income, so I would feel even more wary taking a loan for that.
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I am glad you could relate from your past experience. I think that's the best decision you both have made as regards to taking loan.