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A pleasant but mechanical voice replied, "Of course, Mr. Novak. We can offer a skip-payment option. However, interest will continue to accrue, and the term will extend by one month. Would you like to proceed?"

"Have you considered the financing plan, Mr. Novak? Only $199 a month for 24 months." windows upgrade cost

Marek did the math. $199 times 24 was $4,776. Almost $300 in interest. But the alternative was another winter of shivering and another spring of painting peeling frames. He signed. A pleasant but mechanical voice replied, "Of course, Mr

He called the finance company. "Can we defer a payment? Just one." However, interest will continue to accrue, and the

By summer, he understood the architecture of his debt. The windows were costing him far more than the $4,500 quote. There was the "origination fee" folded into the loan, the "document processing fee," the "electronic payment fee" charged every month, and the interest that compounded not annually, or monthly, but daily. His $199 payment was so exquisitely calibrated that only $87 of it actually touched the principal. The rest was grist for the mill of financing.

The quote from the window company was brutal: $4,500 for the whole flat. He didn’t have $4,500. But the salesman, a cheerful man named Pavel with a tablet full of 3D renderings, had a solution.