You are walking to the parking lot one afternoon from the office when you bump into a crazy offer of one of those shoes that you always wanted for yourself.
Prices have been halved; unbelievable. You are about to pull out your credit card then you remember that you have overdrawn it. Due to the Covid-19 pandemic, your employer slashed your salary by 30 per cent. You are even lucky because many other people that have been laid off.