We've all heard the saying that "time is money", and sometimes you find that to be all too true. There are a lot of reasons that time can cost us. For one, buying an item on sale can mean a huge difference in the amount you have to pay. If it's fifty percent off until Friday, then Saturday is going to be a much more expensive day. Then there are always finance charges that are added to things we purchase on credit and that increase our balance over time.
Sometimes companies put it plainly. They tell you how much you can pay now, how much in one month or how much in six months and you can bet it won't get any cheaper as time goes by. What it all comes down to is that it can be a lot less expensive to pay now than it is to pay later. But what do you do if you don't have enough cash to cover the payments until payday? Are you destined to pay the larger amount?