You shouldn't buy it, and here's a flowchart to prove it
Even when times are financially tight, logic isn't always invited along to our spending decisions. Some we make on impulse, but even longer term investments are made on what we want, rather than need. We'll happily piss thousands of pounds up the wall if it'll make us feel better.
What you weak-willed individuals need, obviously, is a flowchart. Discovering she was likely to drown in a hot oily vat of financial decisions while building a house, April Dykman had a word with herself before emptying her bank account. She created the chart below to ensure the right products were brought to meet the end goal, rather than satisfy whims and wants before she reached it:
If there’s one thing I’ve learned from being in credit card debt, it’s that the seemingly small things accumulate quickly. The only way to combat this is to be conscious of what we buy — and why we are buying it.
Fair point, well made. Hopefully the last year has taught must of us to knuckle down when it comes to finances - sometimes we need a Gibbs-style smack about the head to remind us of that.