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this post was submitted on 23 Nov 2023
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I don't either. I've already told the family Christmas is gonna be light. Other than what I can scrounge up, instead of the "buy now, pay later" model, I've adopted the "don't buy what i don't need, pay never" one.
Skyrocketting prices on everything means I use what i have until it is absolutely unusable/unfixable anymore. And my credit cards stay mostly clear except for emergencies.
It's a lack of self control on a lot of people's part, and financial institutions are loving it I'm sure.
You're not wrong but let's keep in mind these people should have more expendable income to begin with. Virtually everyone is making less than they should be, and they're strangled by cost of living. They shouldn't use credit so irresponsibly, but they shouldn't be in a position where they need too just to be able to participate in our consumer culture.
And I don't mean, like, "mindless consuming", I mean basic stuff like "I'd like to own a couch that isn't torn to shit" or "I'd like to own a car under 150,000 miles"
I agree fully with that. I use one of my credit cards for groceries just to keep padding in my bank account for on hand cash for emergencies (down payment on a car in case mine goes out as you stated, for example) I don't feel like I should have to do that but here we are. There's a fine balance I have to walk financially because of stagnant wages, which is a huge part of the problem.