Lay-by

Lay-by, you basically pay a holding deposit on an item you want but don't really want to pay for it yet. In simple words, you cannot afford but cannot resist wanting ownership of the item. I call it, cheapskate way of shopping!! I have always been against the idea of lay-by. To me, if you cannot afford it, don't buy it!! 

Today, I became a victim of lay-by and I am so totally pissed at myself!! Why?!?!?! Because, the dress looked stunning and the moment I tried it on, I know it's going to be MINE regardless how much the tag says. As I was about to pay, someone told me to put it on lay-by (and he knows I'm totally against it, but somehow he always thinks I have no money, hence he always suggest lay-by!!). Why?!?!??!? "Just put it on lay-by la, nest week when you have more money then come and pay for it!" And, and...and I can't believe I succumbed to it!! I freaking wonder why?!?!?!? I have the money to pay for it...the dress is not that pricey after all. But why did I freaking listen to someone else's opinion - which isn't even beneficial at all!! What's the point of getting the dress next week when I want it NOW?!?!?!??! And to add to it, to lay-by an item, you have to pay an extra non-refundable $5 for service fee and the most important thing is that I WON'T BE ABLE TO WEAR THAT DRESS TOMORROW!!!!!!!!! Arghhhhhhhhhhhhhh!!!!!!!!!

Please just SHUT UP the next time you shop with me. If you opinion will not be beneficial, please just shut up!! Heard of the saying, "if you have nothing good to say, say nothing"!?!??!?!? This is when this saying come in real handy!! 

Shopping tip: Never bring a cheapskate shopping with you!! SUCKS!!