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13-May-2020 16:27

No, I don’t need a budget to pay back my debt, and I certainly don’t need two more credit cards.

I simply need to do zero extra spending until my debt is corrected.

In the absolute worst case, it is at this moment that the emergency bell should sound, for anyone in the world. I just totally blew it and spent more money than I earned!

I need to fix this immediately, so obviously all spending beyond food, and getting to and from work in the cheapest way possible, is now suspended.

On another occasion I was visiting some friends – a married couple.

The guy was showing me his new TV and video game system.

This unique history and perspective allows me to see some things that are not immediately obvious to people who have been raised in the current consumer/debt society.

You don’t start a family or get yourself a dog, and you don’t go out for drinks and dinner with your friends.The credit card debts above are eating up over 00 per year of your after-tax salary just due to interest payments.That’s hundreds of lattes, several pairs of shoes, thousands of miles worth of gasoline for your SUV, and even some massages at the spa and a couple of cross-country flights that you are foregoing every year.Can you please stop punching me in the face and let me adjust my consumption gradually instead of suddenly? Even if you are an absolute Beginner Consumer Sucka and your goal is still to consume the maximum amount of luxury products, you are still cheating yourself out of stuff just by running a consumer debt balance.

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Every dollar you pay in interest to the credit card company is stealing dollars away that you could be using for more luxury purchases for yourself.

Those dollars are gone forever, and you’ve permanently lowered your ability to consume luxury products, for the rest of your life.



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