Oh, the HORROR of it all! The images of layaway at Wal-Mart just gives me the heebie-jeebies! I have a visual image in my mind of all the people from the People of Wal-Mart site standing in line wearing clothing that looks like they were the rejects from previous eras, butt-crack showing, wearing panda-bear hoodies, clothing with the type of sayings that make you scratch your head and ponder, “wtf…”, parts of their bodies exposed which shouldn’t be, and so on and so on. They are all there carrying on in some strange dialect of English – or whatever their language may be – discussing how horrible their children are, how their boss “dun did ’em wrong cuz I was just a little bit late” (what he didn’t say was “late every day”), how their utilities are going to be shut off – while standing their waiting to buy their 60-inch TV with wall mount, etc etc.
“Buford! Git back over here and quit hittin’ yer sister!”
I know… I’m sounding pretty cruel…. But admit it. We’ve all seen the like – especially in Wal-Mart.
I have a love-hate relationship with this store. While inside a Wal-Mart, I encounter some of the strangest – and rudest – people I have ever met. They accidentally knock something off the shelf. Look at it. Walk away. Oh, my mother would have blistered my ass if I ever did anything like that! And the FOOD they sell in that place! Sugar, fat, junk, prepared, boxed. Sugar, fat, junk, prepared, boxed. The cereal aisle alone puts me into a diabetic coma – and I’m not diabetic! No wonder I see so many overweight people wandering up and down every food aisle, basket over-flowing… that is the result from eating the food sold at Wal-Mart. Admittedly, there are some prices you just cannot beat. And for those few items, I do venture into the jungle land of weirdos.
I have been through tough times myself and have learned not to take the [once] almighty dollar for granted. Bad divorce, previously a mortgage banker (we all know what happened there), and basically… lost it all. Literally found myself on the streets. Stayed in shelters. Lived in run-down housing. But, just like the Bumble from Rudolph the Red Nose Reindeer… I bounce back.
I know… waaaahhhhh… Hey, I am not complaining. It is through that portion of my life I became all the wiser. No longer carrying every gold card under the sun, and understanding it doesn’t take much to lose what I have gained, I BUDGET (oh, no… not THAT word). And I also decide if a purchase is a “want” versus a “need”. Do I really need that? Can I live without it? And I am speaking in logical terms here. We can all live with pretty much next to nothing. Been there, done that. Hell, I was on the streets with nothing but the clothes on my back and a sleeping bag, walking miles, because I did not have bus fair, to the nearest church in town serving breakfast on a Saturday. I know what it is like to do without. Which is why I have gained a strong appreciation for what I do have. I am content. My life is simple. My phone does not start ringing at 7 AM with a borrower wanting to lock in a rate. I now have a solid job, and when there is something I would like to buy for myself – which is probably computer, photo, or video related – I save. Plain and simple. I save. And when I have what I need, I then buy. I no longer view my purchases as a “right” but as something I have earned.
There is life without credit, and I like it.
In getting back to Wal-Mart…. A typical Wal-Mart move. They have come to realize that we are now a “credit denied” nation rather than a “credit approved” nation – which in my opinion, is for the better. So in order to draw in those without credit, they are setting up a layaway. Also a way to make some interest or fees which they would not have if a buyer uses a credit card. Smart move for them. Bad move for those who cannot manage their money. Here comes more debt. And in debt to Wal-Mart. Arrrrggghhhhh!!!!
And you will never see me standing in the layaway line – especially next to this man to the upper left.
My best advise… BUY LOCAL! Boycott Wal-Mart!