nooralam1

[nooralam1]

Need urgent advice: Should I take a high-interest loan for my girlfriend’s birthday celebration?

I'm in a bit of a financial bind and need some advice. My girlfriend's birthday is coming up, and she’s been talking about having a fairy-tale birthday celebration on a luxury yacht. I want to make her dream come true, but here’s the issue—I haven’t received my salary yet, and it’s already getting a bit too late to plan anything decent without some financial help.

I’ve been looking into taking a personal loan, but here's where things get tricky. I’m aware that taking out a loan with a high interest rate is not the best decision, but I just don’t see any other option. The loan I’m looking at is from a lender called My Mudra, which offers a minimum interest rate. However, when I calculated everything, even that minimum rate is still quite high for my salary.

I’m not trying to overdo it or live beyond my means, but I feel a lot of pressure to make this special for her, and I don’t want to disappoint her by not being able to give her the birthday she’s imagined.

So, Reddit, I’m looking for your thoughts and suggestions—should I go ahead with the loan from My Mudra, or are there better alternatives I should be considering? Is this a situation where it’s just not worth the risk?