Above Your Means

How often do we feel we need something?  We want to buy things it makes us feel good. Whether it’s for personal use or for the intent of trying to impress someone else.

But what it really does is get us into trouble. Everywhere you look these days we are bombarded with credit, 0 down, and no interest for however many months.  We are accustomed to buying things when we don’t have the money.

But this is a dangerous game to play, because it stretches us beyond what we should be capable of.  It builds our debt rather than our wealth, and it doesn’t teach us to wait for things, but feeds into the idea that whatever we want we can have now.

What’s worse is it feeds into a cycle, you want to feel good, or better so you go buy that new toy, but soon it loses it’s lack-luster and it’s time for the next bigger and better thing. Your phone still works great but 7 months after buying it the newer version comes out and you have to get it.  Why is this?

It’s time we are more aware of our buying decisions and start to be cautions with our spending as well as putting off purchases that we can’t afford to make.

It will be worth it.