Get your head out of your ass, you can’t afford that!!! Haven’t you ever wanted to just grab someone by the shoulders and shake them like a rag doll while screaming that phrase in their face? I know I have…plenty of times, and even more often lately. Whether it’s a family member, friend, co-worker, client or whoever, there has to have been at least one or two times where someone just blew your mind with their thoughtless, reckless, or even ignorant attitude toward spending. Forget about failing to budget, or the fact that they use a credit card instead of cash, I’m talking about the person who is months behind on their bills yet continue to spend on “frivolous” things like they have and endless supply of money (with frivolous being a subjective term of course).Keep going…
This post is from Daisy, who runs the blog When Life Gives You Lemons, Add Vodka. If there are any grammar or spelling mistakes in this post, you can blame it on the fact that she’s Canadian.
I’m wandering the mall with a friend, window shopping. “That’s cute”, my friend says, pointing at something glittery in a favorite store. “Let’s not even go in. I’ve applied for my credit card, but it hasn’t shown up yet so I can’t buy anything”, I lament. I’m 18. I’ve just graduated from high school. I work almost (but not quite) full-time for just above minimum wage in a store in the mall, living and breathing constant temptation for 8 hours a day. I have an older friend dating a bouncer in my hometown, who is able to get me and my friends into bars.
People out there think that by only using cash, shunning credit cards in the process, they will put themselves in a better position to stay out of debt and control their spending. They think that simply because cash is a finite resource, they can only spend what they have available and no more. They also believe that the only form of debt is overextending themselves with credit and credit cards. Unfortunately for all of these people, that line of reasoning cannot be further from the truth.