Should I buy a mink coat on credit? Thinking out loud
Argued recently with one girl. The subject of our dispute was the question: “Should I buy a mink coat on credit?” This is not about the very possibility of such a transaction – it is obvious. And about expediency. If there is no money for a luxury item, is it worth it to go into debt to get it? Spectral-Design Shutterstock.com Maybe it is worth buying a fur coat from a muton, which is five times cheaper, or a down jacket? These things are also warm and beautiful. What does a person with well below average incomes feel and think about, or even without a steady income, buying an expensive item for debt? It has never been known to me. Although I do not consider myself to be in need, I still do not have a mink coat. Unfortunately. I set priorities differently: in addition to the mandatory monthly expenses, which are laid out on the shelves, I have purchased accumulative life insurance for 20 years, and in general I have good financial knowledge, which I gladly apply. In general, this is not to boast, but to the fact that I am not an overgrown girl. But the old woman is prorukha, and recently had to deal with the illogicality in their own behavior. New Year is a time of change. But not always expected and not always positive. The probability of reduction at work flashed, and I, instead of saving mode, had brakes for purchases. Everywhere discounts! Winter shoes, two pairs of expensive leather gloves, new clothes for every day, on the way out, one hundred and thirtieth toys to the son – nothing of which could not be dispensed with. The brakes did not work, although I was unpleasantly surprised by my behavior. We’ll reach the end of the month by the 20th, but any purchases are already strictly prohibited. Taking into account my honorable, but unloved status of the breadwinner of the family, the mortgage, the expensive garden of my little son, the prospect of losing a good workplace is not good. But this violent reaction to instability in the form of uncharacteristic tranquility for me, turned out to be an unpleasant surprise. What is the nature of tranquility? The best minds of marketing are struggling with this in order to turn this knowledge into their profit. Spender is the best gift for merchants. Separate species with different stories. It is also those who are frantic with fat, and, in contrast, those who have spent all their childhood in poverty and now, having the slightest penny, seek to compensate for unfulfilled children’s desires. With the first, everything is clear, but those who are not up to fat, but they still flash in the front ranks of consumers of expensive goods – that’s who is of particular interest. Lately it has become fashionable to be financially literate. Known advice to set aside 10% of income. True, there are given visionary recommendations for our reality about where to get such an income, so that 10% of it would be an unmixed amount. So far, most people in the former Soviet Union live below the poverty line. What is poverty? For a person, if he was not lucky enough to be born a nihilist, first of all, it is an alarm for tomorrow. Anxiety is an unpleasant thing that you unwittingly try to get rid of. She eats a person from the inside, making it difficult for him to enjoy life. How can you deal with anxiety? Experts recommend: a hobby, physical activity, communication, a feast (with alcohol and without), relaxing activities – massage, yoga, herbal treatment, etc., and shopping takes a special place here. And shopping in the list of drugs is the most, at first glance, cheap and affordable tool to relieve anxiety and stress. This is a guaranteed option to cheer up. It does not require more effort than walk to the store. Unlike yoga or a session with a psychologist, for example. It turns out a vicious circle. If a person is poor, he feels not always aware of the alarm for tomorrow, goes to the shops and comes off, driving himself into poverty even more. Particularly “helpful” assistants in this sense are wise marketers and helpful credit institutions. Discount sales! Any goods on credit or in installments! All sorts of new-fashioned gadgets, elite fur coats, even some kind of magic cosmetics are now being sold on credit, working in conjunction with credit cerbers. Everything is convenient, everything is close by, and a person with the thought “We live once!” Buys a luxury item with a monthly payment of half an hour for a year. From the client – only consent, as if under hypnosis, and an identity card. She emerged from hypnosis and became a happy owner of a set of incomprehensible cosmetics and a tidy credit. It is called, fought with anxiety. The buyer (in this case, the buyer) relieves stress, increases its importance in its own eyes, follows the slogan “if you want to be rich, behave like a rich”, fulfilling your dream today and now, and tomorrow – even if the grass does not grow. But no worse than all. Consumerism – consumption as the goal of life – is flourishing. More and more people suffer from shopaholism, or, scientifically, onomania. To cope with onomania itself is difficult. Even to recognize the fact of the disease is not easy. Experts give the following tips: get rid of credit cards altogether.