Making decisions

Sometimes little decisions have big consequences.

A 17 year old doesn’t pay a phone bill, which impacts their credit rating, which stops them getting a bank loan for their car, which means they end up going to a payday lender, which means they pay three times the amount for the car, which means they can’t save for a house deposit because they’re still paying off the car three years later. That 17 year old reaches 30 and that unpaid phone bill of a hundred dollars has cost thousands.

Little decisions can and do have big consequences – they just don't feel like it at the time.