The $5/month Road to Hell

The $5/month Road to Hell August 31, 2013
© Agromov | Dreamstime.com - Money Dollars Wealth Millionaire Photo
© Agromov | Dreamstime.com – Money Dollars Wealth Millionaire Photo

Needing to be very busy procrastinating this morning (anything to avoid actually cleaning off my office desk), I idly flipped through a morning newspaper. Full of ads, of course, as it is Labor Day Weekend, and many will be shopping.

One color, two page spread caught my eye, as it was intended to. SALE!  SALE! SALE! THREE DAYS ONLY!! And in the middle of the page were multiple photos of furniture with price listed only as “$5/month!”

Now, under the ad, it is possible to see that the actual price for each of those items is $250. So at $5/month, it will take 50 months to pay off any one of them. Fifty months:  over four years for items that may very well not last four years as they are probably cheaply built.

And way too many will be suckered into this. Eventually, they will be living in a $5/month hell.

On occasion, I’ve asked people who are struggling financially just to sit down and make a full list of all their debts, their monthly payments, and what is left over after those obligations have been met. One time I did this, the person in question had a grand total of $72. That was it, for food, clothing, car repairs, any other incidentals.  Survival was possible because family had taken pity and offered free housing, most of the food, plus carried the necessary cell phone charges.

This is no way to live. It’s just pure misery.  It’s bondage, and bondage of our own making.

And now I shall start my desk-cleaning tasks. It is my way out of bondage as well. Parts of life just are not pleasant–but they must be done if we are to have freedom and lightness of spirit.  Handling our finances–and our paperwork–are holy acts.


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  • We have “credit unions”, small organisations with people saving £1 a week or similar sums, and borrowing small amounts at low interest. They get more popular. Meanwhile, I had a leaflet through my door, offering a loan of £500, with weekly repayments commencing immediately and finishing within a year, at a cost of £210. This was a boast: it is cheaper than their rival’s, which would cost an additional £200.

    • It really is a predatory practice, isn’t it? Where in England do you live? I have family near London.

      • Seventy miles north of London, in rural Northamptonshire. Rolling farmland. It is rather lovely.

  • We have “credit unions”, small organisations with people saving £1 a week or similar sums, and borrowing small amounts at low interest. They get more popular. Meanwhile, I had a leaflet through my door, offering a loan of £500, with weekly repayments commencing immediately and finishing within a year, at a cost of £210. This was a boast: it is cheaper than their rival’s, which would cost an additional £200.

    • It really is a predatory practice, isn’t it? Where in England do you live? I have family near London.

      • Seventy miles north of London, in rural Northamptonshire. Rolling farmland. It is rather lovely.

  • We have “credit unions”, small organisations with people saving £1 a week or similar sums, and borrowing small amounts at low interest. They get more popular. Meanwhile, I had a leaflet through my door, offering a loan of £500, with weekly repayments commencing immediately and finishing within a year, at a cost of £210. This was a boast: it is cheaper than their rival’s, which would cost an additional £200.

    • It really is a predatory practice, isn’t it? Where in England do you live? I have family near London.

      • Seventy miles north of London, in rural Northamptonshire. Rolling farmland. It is rather lovely.

      • Seventy miles north of London, in rural Northamptonshire. Rolling farmland. It is rather lovely.

        • Oh it sounds like it. My nephew and his family have also moved to England for a few years. They found a place in the Cotswolds and I visited them last year. Not sure I have ever seen such beautiful countryside before. I was enthralled.

          *The Rev. Dr. Christy Thomas* *940-220-4152* *The Krum Church* *”Thoughtful Pastor” Blog* * **Follow me on Twitter * **

      • Seventy miles north of London, in rural Northamptonshire. Rolling farmland. It is rather lovely.