That’s Buy Now, Pay Later, for you unsavvy about abbreviations people. Actually, I (think I) just made that up, so don’t feel bad. Just yankin’ yer chain. And I’m including myself here, but only to an extent. See, I went to help brother, T, with his budget last night to see if he could afford to buy a house. That’s a negative, Ghost Rider…as he would say. Except all of my 7562 hours of number-crunching (”Your cable bill is HOW much?!?”) and an additional 3281 hours of sound advice (”You’re an idiot if you pursue this right now.”) didn’t help AT ALL! I’m so confused as to why he would ask me for help and then, as I’m sitting there, tell me that, regardless of my time and effort to dissuade him, he is ABSOLUTELY NOT GOING TO LISTEN TO ME!!!
I’m finding that he isn’t the idiot here…I am. I continue to put my time and effort into helping him when I KNOW beyond a shadow of a doubt, that he will NOT listen to me. He never has and he never will. WHAT IS WRONG WITH PEOPLE?!?!? This could potentially ruin him. He can NOT afford this!! I have even shown him on paper that he cannot afford this. But, lo and behold, he WILL have a house. Even if it means he won’t get to keep it because he can’t pay for it because he doesn’t have any money because he won’t quit making more bills for himself because he doesn’t have any discipline when it comes to money because he is a 2 year-old in a 25 year-old’s body and he wants it ALL and he wants it NOW!! ( how’s THAT for a run-on?)
Anyhooben, I just can’t figure out people like this. I have done my fair share of buy now, pay later, but I know my limits. If I want something, the first thing I do is research how much it will cost. I then go directly to my budget sheet (do NOT pass go and, even though the $200.00 would be nice, do NOT collect $200.00) and look at my income minus bills minus savings minus emergency and see if the end result is enough to afford said item. I have bought things on credit with 0% financing. I am still paying those bills…WITHOUT defaulting. Everything I’ve bought 0% interest I’ve paid by the end-of-promo date. I, like T, also want a new house. I went to the budget, looked at the income minus bills minus savings minus emergency minus realtor fees for selling current house minus repairs to current house to make it sell minus closing costs of new house minus new mortgage fees minus things potentially being wrong with new house and decided that the end result was about -$452193.15…or something…the actual number isn’t important. It’s the moral of this story that counts. And all this means??? CORRECT!! I can NOT afford a new house. What is so effing difficult to understand here????
So, done helping T. He is going to drive me to drinking. Which may not be a bad thing. Because I can afford that since I’m not paying for that new house…
