如果未試過卡冚卡冚卡,你無資格叫窮

文: Mo Mo
2016.05.11

文:B612

 

曾經,我係經歷過比「褲穿窿」更加窮嘅地步。

如果話入大學頭一年有邊樣嘢叻咗,可能係我嘅心算,因為我要計住每個月補習搵雞碎咁多嘅錢可以點洗。但我女朋友屋企,就冚家(都係中)產 。

我係住大學宿舍嘅。而女朋友呢,係用世伯份工嘅房屋津貼,租咗個萬七蚊嘅單位當宿舍。佢仲要同我呻:「 我要俾水電媒都好重皮架!」咁實在太委屈佢喇……

嗰次,應該係我除咗喺Econ教科書以外,第一次真正認識到咩叫「貧富懸殊」。

為咗要維持同女朋友高消費嘅拍拖生活,每一種諗得出、諗唔出嘅財技我都用盡:咩都碌卡買;同朋友食飯就扮無現金喺身然後碌卡,收返啲現金用嚟捱到月尾;A卡卡數到期,就用B卡找數;結欠幾千,就求其找住個零頭先;最誇張,我係連「財務兄弟」都幫襯過,但俾唔到好高嘅入息證明,根本批唔到幾多。

有一晚喺屋企,我猶疑咗好耐,終於敲門入咗媽咪房同佢講呢件事,點知……原來之前阿哥借咗廿萬搞結婚條數,佢都甩咗好耐無還,搞到而家屋企成日有人打電話嚟追數,有時仲上門係咁拍門,我哋要唔出聲扮無人喺屋企。

咁落去都唔係辦法,阿哥提議按咗我哋住緊層居屋去還錢,免補地價最高可以借到去樓價六成架。嘩,終於數得出呢屆政府有那麼一點點德政,可以惠及我呢位廢青,我從來未試過咁感恩。按咗層樓,總好過一直卡冚卡,蝕咁多信用卡利息幫人養家。

上網搜集過資料,知道有好多中介都係呃人。終於靠朋友介紹,搵咗間出名文件跟得足嘅公司辦手續,仲幫我哋搵咗間最適合嘅銀行申請。最緊要係收得平,仲要不成功不收費嘛,哪有錢,你老母。

呢段期間,我盡量去補多啲習,洗少啲,用大部分嘅錢去還卡數。但結欠數字嘅增長,絕對可以媲美班高官花費公帑嘅速度,我甚至懷疑班官做政府之前就係做銀行……

幾個月之後房署批咗我哋嘅申請。終於搞掂咗條數數,我有種好似急屎終於搵到廁所嘅舒懷感覺。

母親節嗰晚,媽咪提議不如全家去個日本旅行:「我好想去北海道呀,嗰到有間新開嘅溫泉酒店好靚架,仲有呢……」唔知點解,我同阿哥好似感覺到一絲嘅不對勁,繼而對望。阿媽繼續講:「怕咩吖,碌卡咪得囉。我仲想去埋大阪添呀,聽講梅田好多嘢買架,我都仲未去過日本……」

嗯,反正居屋按揭條數有成廿五年還款期咁耐。長命債,咪長命還囉……可?

 

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