Level B2 General English

Lesson 4

The Power Of Advertisements
広告の力

First of all, you have to decide what your budget is for buying things for yourself. Make it what you're comfortable with, and what you can actually afford. Then begin saying no when you exceed your limit. It makes a big difference how you say no, and what happens after you do.

Many people cannot say no. Their desire to buy something overcomes their common sense. This leads to them spending outside their means. In the United States, one in four people have more debt than savings. This has a lot to do with the whole buy now pay later idea that is advertised everywhere in the U.S.

Credit cards are easily accessible to people, often with a limit much higher than they can afford. Abuse of a credit card with a high limit can lead to personal bankruptcy. The monthly credit card fees in addition to housing, utilities and other essentials end up totaling more than what the person's income is. Although personal bankruptcy is not something to be proud of it can help the person stabilize their financial situation.