A Farewell to Online Shopping?

Making New Year’s resolutions is for the old generation. The idea that next year could be better than this one seems old-fashioned. Today’s young adults have grown up with year after year of crushing financial stress. Furthermore, holiday creep has made it so that you are ready for the holidays to be over before they even begin. If you are lucky enough to have a job, your employer expects you to spend money on a Secret Santa gift exchange, and even if you are not, there is a Secret Santa gift exchange at your children’s school, plus one at every extracurricular activity in which each of your children participates. The cost of a road trip to visit relatives is prohibitive, and listening to your children complain while you eat bologna sandwiches and clementines at a rest area while other families presumably stop at Cracker Barrel. Meanwhile, these days, some retailers begin observing Black Friday before Thanksgiving, and stores start playing Christmas carols, the nauseating, first date on a snowy night, kinds of Christmas carols devoid of any connection to the Christmas holiday itself, even before the Halloween decorations come down. Buying things from Amazon used to be your way of managing stress, but now it only seems to be making things worse. What if, instead of making a New Year’s resolution to revamp your finances, you decide to refrain from making Amazon purchases for the duration of the holiday season? If this does not put you in a better financial situation, it is probably time to contact a Boca Raton debt lawyer.

What Would Happen If You Deleted Your Amazon App?

There is online shopping, and then there is Amazon. It is one app where you can buy almost anything. Sometimes you can find good deals, and if you get this idea in your mind, you can spend countless hours looking for them. Amazon enables you to pay for many purchases in installments. In the worst cases, this can lead to trying to alleviate your financial stress by hoarding items that are on sale, where the monthly payments would cause you to default on your existing buy now pay later (BNPL) debts.

If you quit Amazon, you might be able to buy things online, even with BNPL, but it would take you more clicks to buy them. You would probably find that you don’t need most of the things you buy, and that the previous purchases you have hoarded will last you a long time.

What If You Are Still Broke, Even After You Quit Shopping?

You will probably find that, even if you delete Amazon and quit shopping online, you will still be broke, and your debt balances will barely inch down. Quitting your Amazon habit will not fix the high cost of living or the fact that your employment income, like almost everyone’s. is insufficient. You may need to apply for a debt consolidation loan, file for bankruptcy protection, or settle your debts outside of court.

Work With a Debt Lawyer About Getting Through the Holidays

A South Florida debt lawyer can help you find a path to debt relief if quitting your online shopping habit was not enough to get you out of debt.  Contact Nowack & Olson, PLLC in Boca Raton, Florida to discuss your case.

Source:

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