Evaluate your financial situation and determine the specific amount and what you need that money for. It is essential to borrow money responsibly, considering your immediate needs and ability to repay the loan comfortably without creating additional stress. Be realistic about your financial capabilities and choose the amount that aligns with your monthly income and expenses. Many people take money because, at the moment, they believe they can quickly pay it back, but in the end, there are problems doing it because they need to take the time to consider all their expenses.