The research seeks to identify temporal influences in decision making of low-income consumers, relating to indebtedness. Living in a society whose culture glorifies consumption as a way of being and belonging, those individuals have today the opportunity to buy goods previously inaccessible. The encouragement given by easy credit and a favorable macroeconomic environment, where interest and unemployment rates corroborate the sense of stability, may prove a trap for this group of individuals who want to consume, but depend on the credit as a way to expand your purchasing power. The research is qualitative in nature, based on in-depth interviews. Based on individual narratives that reveal the dreams and aspirations of a group of 16 individuals and their need to decide between immediate consumption or saving for achieving your goals. Although rationally agree on the importance of thinking and planning for the future, the experience of life itself, or from family and friends, witness against any predictability and reinforces the thought that the future belongs to God.