"Wishers are credit optimists. They have the sunny perception that they deserve the good things; that they are meant to keep up with the Joneses, and can easily afford it all. In their happy dreamworld of credit optimism they focus on the monthly payments, not on the overall debt. They see a $20 (twenty)payment here and a $75 (seventy-five) payment here as doable, never focusing on the thousands of dollars of overall debt, on the crushing interest rates, they have incurred. They are convinced that they can easily pay the bills as they come due.
Such false perceptions of what can be managed are extremely problematic during the Christmas spending season, especially with the sense that the bills are due next year. Wishers, as optimists, see a brighter next year for themselves, better job, with more income, a future whereby all money issues will be resolved.
Unfortunately, not all wishes come true." by Garrett Sutton
PS. This sounds a lot like me. However, I want to keep the vision of all bills paid in full and living the good life along with the "wisdom of God to be a good steward over my finances.
http://www.estherpinkston.com
Posted By: Esther Pinkston
Tuesday, August 26th 2008 at 2:17PM
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