Comment Re:Or.... (Score 1) 58
...you could have a jar where you put, say, $20 a week. Or $10.
Even if you have a device now.
Let that jar fill. In 2 or 3 or 4 years, when you need a new phone, there'll be enough in that jar to buy that new phone outright without having to finance.
I understand if you can't do it the very first time. Fine. Finance that first phone. But immediately start on the saving $10-20 a week, for years.
You'll break the cycle, and it is liberating
(jar is metaphorical. You could open a savings account that you don't touch for anything except phones. And direct-deposit a tiny slice of your paycheck into it, and forget it exists until new phone time.)
Try it.
Whoa, whoa, whoa there Tiger...
Firstly you're suggesting people live within their means... are you some kind of Commulinst or something? Why do you hate 'Murica?
Most people are already so far beyond their means that $10 a month being saved would be a huge improvement. When I was a lad (I'm only just over 40) saying you were living "payday to payday" was a sign you had money troubles, now it's a sign you're doing well as most people are living debt repayment to debt repayment. They got into debt to get a shiny car, then the banks suckered them into putting their daily expenses on the card too, so when the money enters their account it immediately leaves to service their debts leaving them with nothing so next months expenses have to be financed on credit too...
It's hard to put $10 away per month when you're $3000 in the black to begin with before you get to your mortgage... And they thing is, they'll call you and I stupid for not paying for everything through credit.
BTW, I save enough each month that I could afford to buy a new phone from that alone. I never fell into the credit trap as a young fella so I'm not stuck in that trap in mid-life.