During a hot summer in upstate New York in the late 1980s I was talked into attending summer school for a day. In those days I enjoyed swimming in a pool, watching TV or playing basketball for most every day of the summer.
I had avoided summer school because of my extreme desire to avoid excessive work during the summer and because playing basketball was more fun. Also attending school in July with no A/C seemed like the Hanoi Hilton.
My friend Tim convinced me it would be fun to attend summer school with him. He told me that the teachers would let me stay because he would tell them I was his cousin from Ithaca and had to be with him.
This seemed like a fun idea until I suffered through a few oppressive classes in the immense heat.
Eventually a teacher recognized me and kicked me out of summer school.
Later in life I accumulated massive debt that reminded me of hot, repressive summer school.
Playing now and paying later is what summer school is all about for many students. Don't try too hard during the school year and then try to atone by attending two months of summer school.
This same mindset is what financing purchases is like. We think buying an object will be fun and the future payment will be easy. But when it is financed and bought out of a desire to compensate for true character or to please others, then we get trapped in a hot building when we could be enjoying a relaxing summer day.
We give up our freedom, our liberty, our happiness in order to have it now.
Pay now and play later is the best way to avoid the blistering hot payments and the confinement of summer school-like purchases.
(Photo courtesy David Castillo Dominic)