New Year Resolution No. 9: Overspend

Boxing Day special New Year Resolution No. 9 in our glittering HETLoR - 2025 Honest ET List of Resolutions - is arguably the most honest one: live unapologetically beyond your means. Why? Because the age demands it. Credit cards, hardly an option for payment in these online zapping days, are solely there as mood enhancers to make use of credit. Debt is not a burden but a lifestyle subscription. Banks practically beg you to treat overdraft as a personality trait. The economy itself thrives on your inability to say 'no' to a third streaming service, a fourth smartphone, or a fifth 'essential' ergonomic chair.

Living within your means is so safari suit and Doordarshan. Today, restraint is suspicious. If you're not financing a vacation you can't afford while simultaneously buying artisanal dog biscuits for a pet you don't own, are you even participating in modern civilisation? Every maxed-out card is a confetti cannon of capitalist joy. You are not irresponsible - you are avant-garde, a pioneer in the art of financial surrealism. So, raise a toast to reckless abundance. Let your digital wallet weep, your CA take more BP-controlling meds. Why worry about your future self sending angry reminders from some bankruptcy court? The present demands spectacle, and nothing is more spectacular than living like tomorrow is a rumour.