Suck it up and get the second job

Suck it up and get the second job. Any embarrassment you feel pales in comparison to having your belongings stacked on the curb later on.

No one wants to work all day long, but you are the one who put yourself in a position of having to make more money in order to pay your bills so take care of your problem before it escalates to the point of no return.
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DON'T do it

It doesn't matter how much sense it makes to lend kids money. Do them a favor and DON'T do it.

For example. Grandpop loans his grandson money to buy a car. All are happy until the grandson quits making payments. Now Grandpop is disappointed and the kid's parents are upset. Nobody is talking to each other. Why do this to your family?

On paper the deal may make sense but emotionally it could cost you.
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You don't own it

If you are debt-free you own what you have. Unless you've paid for it in full, you don't own it.

Do you like wearing rented clothes, walking in other people's shoes, driving someone else's car, using other people's money to eat? This is what you're doing if you live on credit cards.

People who are debt-free value things they own much more than those who are not.


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Pay cash and watch the reaction

Pay cash and watch the reaction of the checkout clerk.

It's sad, but paying cash has become such an oddity the simple act can prompt confused looks and head shakes.

Those who use cash are more likely to spend less than those who use plastic. Studies show even debit cards tend to make buyers spend more than they planned.

Cash only. Try it.

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Debt is debt

While student loans or home mortgages are the only kinds of debt you should ever have, they aren't to be kept forever.

Debt is debt regardless of a good interest rate or whether you can deduct that interest at tax time.

Remember: Home loans should be 15-year fixed mortgages and the total payment shouldn't exceed 25% of your take-home pay. Student loans should not exceed one year's salary of your chosen field.
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No excuse works here

You flat out owe it to your family to keep them out of debt.

No excuse works here.
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Our grandparents

Our grandparents didn't spend what they didn't have. They weren't constantly bombarded with credit offers either.

They paid their own way throughout their lives, and when the end came they owned what they had outright and didn't owe a soul. How are you going to go out?
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