Gail Cunningham
Gail Cunningham
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I am personally discouraged. Consumers do not fully understand the concept of credit, that by using credit, they are committing tomorrow's income today.
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And one thing can be disaster, a flat tire or high energy prices.
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Nobody plans to dig themselves into a financial hole, but going into Christmas 2005 many people were still paying for Christmas 2004.
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The government enjoys having the use of your money all year. They get to spend and invest it for themselves, and you don't. So unless Uncle Sam is your favorite uncle, don't be giving him extra money all year round!
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The people who can least afford it sign up for these loans. Adjust your withholding, talk to your landlord or borrow from your mother--almost anything is better than one of these loans.