Debt for consumption is always a foolish idea, it is however what we are conditioned to accept. The idea of using a credit card for purchases is common place.

Bottom line, you should only use surplus funds for consumption ( obviously I'm referring to non-essential consumption, holidays, entertainment, restaurants etc etc ), debt should only be used where it will generate a return, or is necessary to make a significantly larger purchase that is not practical to save up for

And of course we all know this, but lose sight of common sense when mired in the daily grind and drudge, constantly bombarded with mind numbing brainwashing media and desperately looking for something to trigger s dopamine hit.

If only it was so easy to maintain the helicopter perspective of our lives at all times

!PGM