Give attention to self control.

This morning, as I was getting out of my car, just before I switched off the radio, Light FM host was talking about curbing one's spending and one of the ways I heard was to lower the limit of one's credit card. If only things were that simple.

You know that banks do limit our expenditure through the use of the credit? Of course, their worry is not how much you spend each month but whether you would be in the position to repay them what had been used. They certainly do not wish anyone to go bankrupt as they are, in a smaller way, the loser too in such cases. For sure, they have one card-holder less. And they certainly do not want a possible bankrupt case on their hands. That was the reason a bank where a pensioner like me did not have an account was told that I was not eligible for a credit card after one of its officers had persuaded me to apply for one.

However, that does not prevent people with a salary from applying for one credit card from so many different banks. Even a clerk can get three credit cards with a seven thousand ringgit credit for each card which gives him twenty-one thousand ringgit to spend in a month. If he has no savings, how, I wonder, is the guy going to repay that money. Of course, he could owe the bank but that would incur interest which would burden him further. I know the government had tried to lessen the number of credit cards possessed by its citizens with a fifty ringgit charge per year on each credit card but for people who cannot control the need to splurge on unnecessary things, would that stop their addition?

People would never run into financial problems who they can control their expenditure or change their life-style to suit their salary. Extravagance is a habit for some. What these people need is self control.

Self control comes as a result of understanding the consequences of whatever deeds performed by us. In the news media each day we read of loss of self control resulting in rage on the road, at home and at the place of work. We read of the loss of self control over money in casinos or gambling dens. We read of loss of emotional self -control leading to deeds that break up marriages and homes. Loss of self control has taken many an unwary person to addition of drugs and speed on the road. Loss of self control has wreak lives and futures with children being influence into undesirable activities distracting them away from school and the right path.

As it can be seen, self control is so important every second of our lives. Without it, all kinds of tragedy become a possibility. Therefore, children attention towards self control and the understanding of the possible consequences that can befall us through losing it must be impressed on the children in our care as parents or teachers and adults.

With self control, we most probably would not be tempted to challenge the many more dangerous, deeper or bottomless pits in life. Our children will be safer and happier. Self control makes the difference.