I always dreamed of going to Hawaii. Relaxing on a sunny beach, sipping pina coloda’s, while rubbing sun tan lotion all over my glorious body… taking long walks on the white sand as the sun sets over the glistening pacific ocean… enjoying the feasts of the traditional luaus… forgetting about all the stresses of my real life here at home…
I always thought, if I could just do all of that, it would surely make me happy.

So, one day I saw a happy couple living it up in Hawaii on a tv commercial. i wanted to live it up like them, and I thought, if I go to Hawaii with my wife, this will make me happy. So, I booked a trip to Hawaii through my travel agent. Of course, I couldn’t afford to go to Hawaii, but that’s ok… I have a credit card company that told me I could spend $10,000 and I would only have to pay them $200 per month… I am sure I can afford that. So, my wife and I go to Hawaii, and we live it up for seven glorious days and nights. Then we come home. The fun is over, back to real life. A few days later, I get the credit card bill for $10,000, plus $187 in finance charges. I don’t have the money, so I send them a check for $200, paying $187 for interest, and a whole $13 towards my balance.

Am I happy now ?