Cash is tight for me at the moment; I really need to send more money to my homeland for some reason. I need to get cash desperately but my payday is still long time to wait. I know that my money problem is not a worried because credit card is the option. Also it seems that our cash budget for our house in the Philippines is not enough so what I am trying to do is to get a loan so I can help my husband for our house construction in the Philippines. I know that getting loan is not a problem for me because I don’t have a bad credit.  I seemed that I am not the only person who got a money problem at this time. I heard from a friend of mine that they are decided to get a mortgage. They have been renting a flat for 5 years now and they are thinking that why renting a house that cost them a fortune than buying a house. When you are renting you know that the house will never be yours but if you have a mortgage even though it will take time to buy eventually it will be yours and investment.