Here's a scenario for you: Two years ago, you bought a beautiful, very expensive wedding dress. You weren't engaged yet, but you were in a steady relationship, saw this dress, and thought it would be a great investment. Eventually, it would pay off, you told yourself. And damn, it was a nice dress.
Then your relationship ends. And you're sitting here with this expensive dress hanging in your closet -- in fact, you got it on a payment plan and you're still paying for it every month. You have no use for this dress any time soon, and you really need that extra money each month.