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Why? I guess because we don't think long enough before me make a decision which is what businesses want us to do all the time - hand over our hard-earned cash without a second thought.

You know they have become very good at what they do when businesses have devised sophisticated computer models and hired professionally trained specialists to accurately predict our behaviors and take advantage of our various hard-wired psychological weaknesses without us realizing it.

Layout of the web, the colors, the font size, the font types, the slogans, the placements of the products on the shelves, the background music, the discounts.... everything is calculated and arranged to make us pay as soon as possible. We all know about it conceptually yet we still fall for it from time to time you simply won't be able to put up your rational defence forever (which is why good salesmen almost never let us hang up the phone or leave the meeting because a moment of weakness is what they are looking for). That 697 dollars is what they are after because we are careless about our spare money and it is immediately available.
 

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This is exactly what I was thinking for a while now. I was looking at how adults live and how I will have to live. At first I was only dissatisfied with how much apartments cost or any king of dwelling in city, which is pretty much a necessity for anyone. More or less I came to conclusion that most of them are highly overpriced, but then I looked at other things. It's not only that, but it seems that there is a strong culture pushing people to higher paying jobs, then people get them. The loop continues as you get your salary. Then you spend a lot on many overpriced things or things that you shouldn't even buy. As a person you always get poor deal for many things, but it seems that many people have either no sense or abysmal sense of what they need and what is a good deal. It seems that even dumb things sell well and average person is okay with wasting their own resources on crap. This is bullshit. At least in USA situation roughly looks like this:

The article says that after paying taxes, buying necessities, average American has 697 dollars left for anything they want. That's a lot of money, in other words you could buy a computer every month. And most of it goes to various things. Also it's not even that. It's not even about money, but about nearly everything. It can be money, time, food, clothes, cars and etc. And not really anything specifically American either. Pretty much every developed country has loads of people, who often overwork, waste their time on Facebook, have hardly any savings, are gullible to shitty ads, waste cash... It happens and it's a massive phenomena. It seems that managing yourself is somehow not done well or at all, even though everyone makes loads of decisions everyday. I just wonder why this happens, because it's frankly hardly comprehensible to me.
Because we don't care.

We use what it needs to be use, and then throw it away. Most people to this with objects. Some people do this with other humans and animals too.

That is true, a lot of people either don't know how to spend so they spend money on everything they can or are simply buying expensive things to falsely impress other people, in other words, snobbish. At the end of the day, everyone is free to do their own thing, as long as you're not forced, isn't it fair game?

As long as you're not forice, is it really the company's fault that they are giving a supply for a much needed demand? There have always been people that needed to feel superior to others through clothes, cars or whatever. It's not the company's fault that those people are buying their products.

You could argue that it's immoral, but what exactly is immoral here? the expensive clothes don't hurt anyone, they're not selling poison. If you're an adult but can't be responsable with your spendings like one, is it really the company's fault? isn't USA the land of the free? you are free what to do, and the companies are free what to do. It's not the company's fault that you make bad decisions that you later come to regret in your snobism.

It's funny how the people who think that they can't be influenced by ads are the most gullible to ads.

I find it quite normal, people have always been overspenders, they always wanted more stuff. If were were living in the dark ages and you needed wood for fire. You would have taken more wood, just in case. The same principle is applied here. People like to have stuff. People like to collect things. Because it was evolutionary beneficiary to us to have as much stuff as possible. We didn't really had a problem of "having too much" until recently. Arguably, even now the problem is not having too much, but rather having too little money for that too much we want. The collector looks at things not at money.

People make bad spendings with their income, it's not surprising to me, it's just normal. It's also worth pointing out that "need" as in the form of "desire" is subjective.
 

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I mostly have it under control and I keep a budget file. But whenever I go through tough times I stop filling that in and start throwing money at whatever I think will make me feel better. It never does though, or not for very long at least.
 

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I mostly have it under control and I keep a budget file. But whenever I go through tough times I stop filling that in and start throwing money at whatever I think will make me feel better. It never does though, or not for very long at least.
I thought he meant it in a philosophical way, like why are people wasteful as a species. But you may be right that it might have been a pragmatic question focused on how to keep a balanced budget.

In order to save money, I usually split the money in 3 categories: necessities, spendings and savings. Necessities are the money for food, gas, bills, etc. Spendings are the money I'm allowed to spend each month. And savings are the money I won't touch unless I really really have to, as in there's literally no other choice. I try to keep the numbers between the 3 categories equal. It helps if you have big banknotes for savings, as you're reluctant to spend big banknotes.
 
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