You know you're bad at paying bills when you set up a phone line just to avoid debt collectors. However, one should not set up said phone line so that it will ring throughout the house and sent to an answering machine that is loud enough for guests to hear. That is not only annoying, it should be embarrassing. (And might I add, yet another bill to pay).
You see, the financial world has this nifty thing called a budget. A budget can help you manage your income, spending and debt in a neat, orderly way of understanding where your money is going. I like to put mine in a pie chart that's color coded. Apparently, I am a minority of americans that like to do this. Because you know, money grows on trees.
If you really, REALLY, want that item that is staring at you through the window glass of the shop, please for the love of all that is holy, do NOT open a line of credit or apply for a store credit card. Save up for it. Credit is the reason this country is going under. Too many people owe too many companies too much money.
Sure, that diamond ring looks gorgeous and you really needed that 50" LED 3D HDTV for the games, but was it really worth it when you had to sell them three months later just to pay the rent? If you said yes, please do not breed. You are the very thing that is wrong with America.
There is no nice way of saying it.
I have tried to ignore the trends I see. I even tried to be the voice of reason to some of my friends and/or family. Sometimes, their wants overcome their needs, or their lesser judgement gets the better of them. But most of the time, it's just plain old greed and vanity.