Don�t borrow money that you cannot afford may well the adage that your parents or grandfather advised. Still there are times when one may need to borrow money. Say for example a college education or a vehicle for transportation in order to get you to a job on a regular daily basis.

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These are examples of debt that are in effect an investment. An investment in yourself

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In the case of your education a dollar borrowed now will result in better jobs- that you will most likely find more challenging and enjoyable , and have a lot more financial reward

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In the case of the car loan. If you do not have a reliable car � you have to be reliable in showing up to work on time

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There may be a much better and / or better paying job but its way across town, or in an area not served by the bus transit system. Or it may be the case that there is bus service - but if devours a good two to three hours a day of travel time

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