I’d agree with that... if you look at monthly rolling figures, it’s much more difficult to take into account future life factors and something completely out of your control can leave you with a mountain of debt you can’t afford any more because of a change in circumstance.
And yeah, disposable income is more than just taxes and social security... it’s all the basics, like roof over your head, food in your belly and whatever else... with room needed for the unexpected.
It’s easy to get sucked into the consumerism culture and buy into what you can’t guarantee you can afford because it’s being offered to you immediately with a little squiggle to pay a fraction of the cost per month over a long period.
I’ve been there, it’s not fun when you have to let a payment slip because you’ve had to priories the things that are actually important.
But heck, even my post above demonstrates clearly... I still very much have the “I want it yesterday” bug... can’t help it, I like the shiny... must’ve been a magpie in a past life.
We humans get wrapped up in our emotions and they can lead where logic should be allowed to prosper... advertisers target this part of us because they know it works and they’ve become very good at it, it’s one of the reasons I try to avoid it as much as possible and haven’t watched broadcast TV in my home for many years... although still watch certain shows and films which have similar things built into them all the time.
Even though I have a rough idea of what to look for, am actively working to avoid it hooking me in and am lucky to have more capable mental faculties than your average Joe, it still gets me.
Would love to see that form of emotional manipulation dialed back... it’s an altered form of subliminal messaging, which in its basic form was banned a long time ago. Can’t blame many for playing along with the game & picking the less logical option to satiate their cravings, whether their own or “implanted” by the content they surround themselves with... even exposing yourself to it is often not a conscious choice.
So the only answer is to shrug off all forms of media and go live in a cave, right?