Some simple advice is probably in order at this point.

1. You should try very hard to live within your means and save money that you do not spend. This will mean that you do not have to seek to borrow money if you suddenly find yourself wishing to buy something a little out of the ordinary in terms of cost.
2. You should try very hard if you do end up borrowing to make sure that the interest rates that you pay on the loans that you borrow or as low as possible. There is nothing that will cost you more money in the long run than high interest rates on loans. this type of expenditure is largely invisible because you simply do not know at any point what you are paying compared to what you would be paying if you were successful in borrowing money at a lower rate of interest.  But believe me, the cost can be considerable over a time period for your loan as little as five years.
3. On a more general basis one of the reasons why people find themselves feeling as though they need to spend considerable sums of money is because they are trying to impress other people or keep up with the apparent expenditure that other people are making. This is a fools paradise and does not stand up to serious scrutiny. You should spend what you can afford to spend which means what you earn.
4. The final piece of eyes is to make sure that when you do have something that is of value to you that you look off to it because if you do not look off to it than you are simply wasting the money that you spent on it; whether it be owned or borrowed it is still money and will still cost you dear in the long run.

This is not meant to be a preachy article however the attitude that has been created in society these days where debt is considered to be normal and even to be encouraged is not in my view a good situation to find oneself in. 10000 dollar personal loans sound as though they could be the gateway to happiness but believe me that is not a sensible course of action to take.