It’s like those very clever advertisements: “Don’t have cash at the moment? Buy it now anyhow, and we won’t charge interest until next Jan.” Of course, by the time you’ve gotten through Christmas and New Years, you still won’t have any money and they’ll slap on months and months of interest. Gotcha! Life is like that. Today I went for lunch, did some grocery shopping, baked, and went to a birthday party – all with some friends. It was a great time, no doubt about it. But….it is reminiscent of the clever ad: have fun now, overpay later – meaning lots of work for tomorrow. Moral of the story is make sure you plan into the future to have enough cash/work done before you purchase/have fun. Otherwise you might be paying/working more tomorrow than you originally anticipated.