If you need a flexible payment plan

due to circumstances taking

a toll on your finances

too bad

all that will do is postpone the inevitable

and cost you twice as much in the long run

you should have saved some money

instead of buying everything

you laid your eyes on

you didn't need that fancy Apple phone

you did not need that game system

you didn't need that 50 inch TV with surround sound

you could have packed a lunch

you could have got by with a used car

you did not need to go to California on vacation

and you did not need those Michael Jordan sneakers

so stop complaining

and stop using your credit cards

here's a novel idea

do without

start saving and show some responsibility

your parents want you out of their basement

the key is

Don't Buy It unless you can Pay For It

it's time for you to grow up.




Death Delayed ►


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jennifer Malden

Sat 8th Aug 2020 16:11

Couldn't agree more! Plastic money can lead to finding oneself in dire straits, and it's on record that people think more about making a purchase if they have to actually take the cash out of purse or pocket.
It's sound management to pay for something important, like a car with a 'flexible payment plan', even though it costs you more, as you still have money for other things. Can remember the 'never never' days too ! Used especially for tellies ot washing machines I remember.
What is an EMI, please?


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Paul Sayer

Sat 8th Aug 2020 13:35

There are no pockets in shrouds d.

The other flippant side of the doubled headed coin is...

I came into this world with nothing
If I go out owing somebody something
Then I've made a profit 🤣



Sat 8th Aug 2020 13:04

what is an EMI?

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Stephen Gospage

Fri 7th Aug 2020 17:52

Cheap credit is tempting, but yes, we don't need a lot of this stuff. Time to get out of the basement, or in my case into it, as it's five degrees cooler at night. Nice one.

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M.C. Newberry

Fri 7th Aug 2020 17:51

The general principle is sound but with some sense applied, there
are times when using a system of common convenience to trader
and impecunious customer can be adopted. For example, in 1960,
when I moved to London to start the apprenticeship for my future
working life, I took along a small record player and a few LPs (vinyl
for the unaware). The player was bought on the "never-never" - as
the hire purchase plan was known to us then...cost (after deposit)
= 5/- per week. You can't really convey that in todays devalued
pound days but it was well within my anticipated weekly allowance
of almost £4 (lodging and food paid for) and thus affordable as my
only consolation for being many miles from home.. I think I ended
up paying a £pound or two "credit fee" over the actual cost of £12 complete the purchase. Happy innocent days!

Amatul Wadud

Fri 7th Aug 2020 13:19

I could never understand how people could buy more than their pocket allowed. Many are paying for EMI's without any income, from their savings. How awfully sad!

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