Is a bad credit rating really the end of the world?
I applaud all those start-up businesses that have made it past the first year! It’s really tough, hey? Them cash flow problems can bring the brightest MBA graduate to their knees. So what about those like me with dodgy academic backgrounds?
Yesterday, I received yet another call from my bank manager about my overdraft arrangement, and I had to make yet another arrangement to make up for the missed arrangement (I spend a large part of my day rearranging arrangements in the hopes that money will miraculously make its way into my bank account). Just as I was about to feel very sorry for myself, I happened to catch the episode on Oprah where she interviewed some people with Cancer and it suddenly struck me… I’m a Cancer survivor!
Not that I don’t know I survived Cancer. Although I’ve been clear for seven years now, I had to fight the disease throughout my twenties and it’s still very much a part of my everyday life in many forms. Like the scars on my face, the way things just taste differently because of the radiation, the dubious pleasure of being there for my son to shout at me when things don’t go his way …
It’s just that in my battle to make a day-to-day living, I forgot what it means to live. Getting an earful from your bank manager has nothing on listening to your doctor tell you that your tumours have returned. And no amount of money can bring as much happiness as being healthy for seven years.
My business is slowly approaching its first anniversary and although my bank balance is still very much in the red, I now have some really good clients. So maybe my credit rating is a little tarnished, but what the heck. If I only get to buy on credit five years from now, great stuff! It means I’ve lived for five more years. And to all those risk managers rejecting my applications in the meantime, thank you for reminding me that there’s so much more to life than material things.