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I have often heard commercials from banks and mortgage companies that have literally made me angry: “you can have that vacation you’ve always dreamed of, that living room suite you’ve always wanted, that new garage you’ve meant to have. We’ll lend you the money you need." Yeah, for a fee. "Don’t defer your dream," they tell you, "don’t wait until you can actually afford buy it now!!!"

That’s the kind of thinking that got the Prodigal Son into trouble!

When buying something for your family, you need to ask – do I NEED this, or do I merely WANT it? And whether you need or want something – "can I wait until I can afford it?"