Sonia is browsing the net and comes across a super package from a travel agency that covers all the places in Europe and her obsession to explore such places got some life. Paris, London, Rome, Venice, Zurich, it has everything and Sonia has this urge to just take leave from work, pack her bags and leave. She calls up the agency and asks about the cost of the package but unfortunately the amount is way higher than she had imagined. Sonia becomes distressed because on one hand, she really wants to travel, see these places and make memories and on the other hand, the cost of travelling is way beyond her budget. So what does Sonia do? With a heavy heart, she tells the travel agency that she will not be able to go this year but they should let her know when the next trip is being planned. And Sonia goes back to just dreaming and wishing she had enough money to go for the trip.
The above is a scenario practically all of us have faced. It may be travelling to our dream destinations, buying a house, buying a car etc, every such dream was whitewashed because of shortage of funds. Yes, many of us take personal loans but they come with high interest rates. Why not explore other options? Why not take a loan against your gold jewellery? Gold that usually lies idle in lockers and hardly used.