And there you are right now, counting the cost and complaining that you don't have enough money to cover the mortgage/rent. You Poor Thing!
There you are, giving the kids the evil eye for requesting a lollipop, arguing with the wife about the ongoing bills. Robbing Peter to pay Paul trying to make ends meet. Oh you Poor Thing!
There you are, pleading poverty, looking for your dead grandmother's diamond ring to Pawn. Begging your own father to help you out because you are in dire-straights. Now his hard earned savings are to be dwindled on you.
But I just don't understand it anymore. Why do people subject themselves to conforming to what others do in society? That flexible credit card is not your friend and neither is it YOUR money. Why do people opt for 'buy now and pay later'? Didn't it cross your mind that your financial circumstances might change, especially during this economic downturn? Job today, gone tomorrow! Now you're off to the food bank. Well, you really are a poor thing now.
You thought you could create the perfect Christmas/New Year merely by throwing money at it. Now little Johnny won't have nowhere to put his Playstation because the house is gone!
After all, you've done everything you can to make sure your family/friends had a good time for a few days, but at the cost of the long term security. Isn't the whole year more important than those few days of indulgence?
'Waste not, want not' has become a 'can't wait, won't wait' world. Is this the kind of example you want to teach your children?
I'm not trying to blight anyone's fun. I'm not asking you to do nothing at all. I'm just saying, let's not ruin your own life by falling into a financial trap based on traditions. Count the cost mate!
So my question is:
- Have you ever over-spent during a holiday season and regretted it later?
- What pressurises you into being tempted to spend more than you've got?
- Have you ever had to dig yourself out of debt, and if so how did you manage this?