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The math is off.
$455 is not $450 + 15%. 15% of $450 is 67.50....Layaway is way cheaper than 15 percent interest on a credit card. According to the example, $455 layaway vs. (450 + 67.50) for the theoretical credit card. A $5 fee is a lot closer to 1%. Layaway is much cheaper than the credit card option (in the...more
We also live on quite little~$24,700/year, and we are a family of 4 with two little kids! Obviously we live very cheaply, but also happily. A year ago our income was more than double and we are much happier now-go figure. We live off only our present income, and can save ~$200/month Our expenses go like this: Rent f...more
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