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ETTM: "If you can afford it..." or "I can afford it"

What's the point of these phrases? If a person is asking about something, isn't it implied that they know how they're going to pay for it? Isn't it none of our business if they can actually afford it?

 

Re: ETTM: "If you can afford it..." or "I can afford it"

  • imageLegalBritt:
    I would use "If you can afford it." When I don't really think what the person is asking about is worth the money or I think it's a waste of money but I don't want to say it.

    Yeah, this for me too.  I would say "I can afford it" if I knew it was a waste of money, but I had enough spare money.

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  • I think over on MM and a few other boards "if you can afford it" means you aren't tapping into savings for it, aren't charging it to a credit card that will rack up interest, etc..

    Just because you want it and know how you will pay for it does not mean you can afford it.

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  • imageLegalBritt:
    I would use "If you can afford it." When I don't really think what the person is asking about is worth the money or I think it's a waste of money but I don't want to say it.

    This.  Or you're asking if it's worth it.  Like w/ a housekeeper.  There's a difference b/w saying I would love one, but I can't afford it.  And saying I can afford it, but it means I'll have to sacrafice other things and I'm not sure I'm willing to do that. 

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  • Ah ok, that makes more sense.
  • imagekarimychel:

    Just because you want it and know how you will pay for it does not mean you can afford it.

    The thing that gets me about it when it comes to this, is it's none of our business how other people spend their money. 

    Like when someone says "do you like this purse" and people chime in with "I like it but only if you can afford it." In this example the OP wasn't asking for advice on how to pay for it, but only if others liked it. I guess this is when I don't like this phrase. It makes me feel like people are butting in to other people's financial lives.

  • Oh I agree from that standpoint. But I if you're posting a $1500 purse on a board that everyone talks about their Target steals and deals - of course you're going to get opinions. 
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  • h and i use the phrase loosely. we can "afford" a lot of things w/o tapping into our savings account for it. but anything we don't think of as "worth it" we say we can't afford it. i.e. our friends want to go out to eat all the time, and we tell them we can't afford it. truth is, we can...we definitely can spare some change to go out...but we just don't want to. so we don't use it in the literal sense.
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  • hmm.. i don't ever hear people talk to friends about this kinda of stuff.. i'm not sure i'd ever say, i can afford that or this or it..
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