Pahami kondisi finansial Anda sebelum meminjam uang. Cobalah meminjam uang kepada orang yang Anda percaya. Jangan meminjam uang kepada orang yang kondisi finansialnya kurang baik.

Given the above summary, write a detailed text in English for it.
Sit down and analyze your money habits. Pay attention to your bills and how much you’re spending in a month. Find ways to cut back on expenses and earn more money. Start a personal budget to keep yourself on track each month.  You’ll need to know as much as possible about your financial situation to present a compelling case to your family. For example, if you see that you’re wasting too much money on dining at restaurants, resolve to cook at home using cheap ingredients. Most people go to mom or dad first for money. If you have a solid relationship with them, great! You and the family member you ask need to trust each other thoroughly and feel free to communicate openly. Asking a distant cousin wouldn’t be appropriate unless the 2 of you have this kind of relationship.  The more trust there is in your relationship with the other person, the more likely they’ll be to give you a loan. You can write a letter or talk on the phone, but having a face to face conversation is more effective. Take the time to think about the other person’s financial situation. Asking someone who isn’t financially stable, isn't in a steady job, or has significant medical bills will seem disrespectful. Try not to pressure someone who is already under a lot of pressure themselves. Your best friend may be the person you trust most, but they aren’t the person to ask when they’re also struggling to pay bills.