Borrowing money to friends, cooperatives or even to a company's finance department makes you the focus of office people. Especially if the money is only used for glamorization like buying a new phone, but if you note your mobile phone is still sustain to handle every job you have, or buy new shoes, but you never leave the office for meetings with clients and so on . As much as possible delay the desire to have a variety of gadgets or glamorous purposes that you should not have. Applying for a loan to a company can also be one of the reasons why your salary does not go up in reduced material due to a deduction comparable to the amount of loan arrears.