Now that Christmas is becoming a more distant memory, businesses need a new angle to try to separate you from your hard earned money. Sure, Valentine's Day is coming up, but the Super Bowl will do just fine for now.
This week you will be bombarded with messages that may cause you to ask yourself questions like: How can I watch the big game on my little old TV? How can I enjoy the game in my tired little rec room? What would it cost for a last minute flight to Florida (and ticket) to catch the game in person?
Let's focus on the TV question. The answer retailers are looking for is that you need the biggest, latest high definition flat screen to appreciate the subtlety of the 350 pound linemen.
What it comes down to is temptation and separating wants from needs. I recently read a good article on this topic. Here's my two cents:
Having a new television is not going to change your life for the better. If you have the money saved up and want to indulge, suit yourself. If you have to put the purchase on a credit card, maybe you should stop and think twice. Maybe think about three or four times, maybe more.
In meeting with people in our Kitchener-Waterloo bankruptcy offices, I see too many people who were not able to control impulse spending on credit. We are all guilty of it to some extent. Most people survive just fine until something else happens like having reduced hours at work or being laid off entirely.
The bottom line is that CASH IS KING. Each of us is in the best position to analyze our own financial resources. Each of us should pause and reflect before parting ways with our money.
If you find your debt situation overwhelming, feel free to give us a call at 310-PLAN. You can also send us an e-mail. We will discuss your situation and talk about all the options, including consumer proposals and personal bankruptcy.
posted by Ian Martin @ 3:39 PM
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