I really don't know how else to explain it so I'll take one last stab and call it done since I suppose it's not that important to me that you get it.
You have an income of, let's say for round numbers, $100. You have expenses of $400. That's food, utilities, clothes, booze, scratch-off tickets, whatever. No matter what, something is going unpaid and pushed off (not paying a bill, not buying new glasses, etc) If, in a single month, someone hits you up for $20, you reshuffle your spending to account for 20% of your income disappearing. It hurts but you can potentially get by on the other 80%. If no one hits you up, that $20 is immediately soaked into other stuff out of the $400 you need to cover.
If no one hits you up for three months and each month you use that $20 for other expenses then you get to the month where you owe $60. Now, in a single month you need to give up 60% of your income. This goes from "This sucks" to "No goddamn way in hell". So you just don't pay it because the threat of Mr. Water Man coming to your door in another six months of non-payment is less of a concern than having $40 to spend trying to fill that $400 hole. That's how a quarterly bill can be more painful than a monthly bill even when both come to the total sum.
There. That's the best I can do. God bless.
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Belkira wrote:
Wow. Regular ol' Joph fan club in here.