|These guys are true fans.|
2) Appearances can be kept up, for a while - Keen and eagle-eyed sports fans noticed that, even though the Chargers were off to their greatest start in years, the Chargers weren't, you know, all that good. In their first game of the year, we had a hard time putting away the Minnesota Vikings, whose quarterback for that game only passed for 39 yards with one touchdown, one interception, and a QB rating of 47.9 (to compare, a decent game for an NFL QB would be 250 yards, two touchdowns, and no interceptions). Still, the Chargers managed to give the impression that they were a good team, because they had more wins than losses.
When we're in debt, there's usually some amount of time where those around us probably don't know it yet. If we need more money for something, we can just charge it on the credit card, all while only paying the minimum amount (if that!) when our bills come in the mail. "Can I go out for an expensive sushi dinner tonight? Why the crap not?"
3) Unfortunately, hiding from problems makes them worse - After that blazing 4-1 start, the Chargers have lost six games in a row and currently have a record of 4-7. There are a lot of theories about what's wrong with the Chargers (it's the coach's fault, it's the general manager's fault, etc), but one of my favorite theories is that the quarterback, Philip Rivers, is hiding an injury that is affecting his performance.** If you watch tapes of him throwing the ball, you can see his face contort in pain, and there is speculation that this apparent, though phantom, injury is why he has thrown so many interceptions this year. If he would have come out with this information, the team or his trainers could have worked with him to make him better; instead, he may very well be making himself (and the team) worse.
Similarly, try though we might, we can't hide from our debt. Though we can spend our time thinking about other, more pleasant things (or by simply throwing bills right in the trash), neither of those actions helps to pay off our debt. If we can realize how bad debt is for us early on, we'll have a much easier time getting out of it. On the flipside, the longer we let debt accumulate, the longer and harder the journey will be to get out of it. "How do I owe so much money? Oh crap."
4) To get better, we may have to cut off relationships - It is generally accepted at this point that Coach Norv Turner will be fired by season's end (unrealistic playoff run notwithstanding), and there's also a good chance that A.J. Smith (the general manager) will be fired as well, and both are due a fair share of blame for the team's issues. Norv's playcalling and clock management (i.e., not taking a timeout before the end of the fourth quarter to give the Chargers one last chance to win the game before overtime this last weekend) are suspect,*** and Smith has a knack for trading away good to great players and then replacing them with cheaper players with average skills. For the Chargers to get better, there is a general consensus among fans and sportswriters that one or both of these men needs to leave the organization as soon as possible.
|Why so serious?|
***Norv is also supposed to be an amazing offensive playcaller, so it's, at least, surprising that we've only scored 17, 20, and 13 in our last three games.
Photos taken by me!
This post was featured in the Carnival of Personal Finace #337 that was hosted by Afford Anything.