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.