It’s a standard out. No matter what, I just blame it on the Bosa Nova. I spent too much on Black Friday — it’s the Bosa Nova’s fault. I waited too long before I started my Christmas shopping — it’s the fault of that crazy Bosa Nova.
Hey, I’m not sure what it means either, but it’s no more of a flimsy excuse than some of the others I hear for making the Christmas season so commercialized. “Well, the kids expect it,” or “we didn’t intend to spend that much money this year, it just happened.”
“Well, we need to help boost our economy because it’s really been bad.” The Swine Flu is bad, but that doesn’t mean I’m going to try to catch it so someone else will feel better about having it.
I know. “This blog sounds like so many others who are talking about Jesus being the reason for the season, and how we shouldn’t get so caught up in the commercialization of it,” but you don’t understand, my kids have been wanting this ever since they first saw it on television.
I’ve been wanting that new car with all the latest features on it too, but I’m going to have to pass. Can’t compare a new car with the price of the latest laptop or the sale of the technologically-advanced toy? Well, let’s compare payments with payments.
It doesn’t make a difference whether it’s a new car or a new laptop, if we’re charging money we can’t afford, there is enough similarity to give it a second thought.
After all, there are some fine prints that everyone must be aware of. That no payment down, no interest until 2011, usually has some little writing that comes with it. For instance, be late on a payment, or miss one, and the no interest/no payment contract goes out the window and interest begins accruing on the sale from the date of purchase. I know, because as much as I dread admitting this, I figured up that I once paid over $3,000 for a $1,000 laptop, after back interest and penalties were assessed. Then, add on the “low, affordable payment plan, which was mostly high interest and very little principal, and voila’, my sweet, original deal wasn’t so sweet after all.
When it comes down to it, we can get caught up in the commercialization of Christmas and all of its enticements, and we can pay for it for the next 24, or 36 months, or however long we agree to take to pay for it. We can blame even blame it on others, or on the Bosa Nova, and fail to take responsibility for overspending, or, we could remember the real reason for Christmas, keep the pressure off of our wallets, and create one of the greatest opportunities to teach our children the value of a dollar, the importance and good feelings that come along with doing something for someone less fortunate, and just what Christmas is all about.
Now that sounds like a real cost-saving bargain.

