"Credit buying is much like being drunk. The buzz happens immediately and gives you a lift... The hangover comes the day after."
Above quote describes the bad habit of buying things on credit. The author 'Joyce' has compared it with alcohol. It gives you pleasure for that present moment and you feel like king. But when the bill comes, you get lot of shocks and pressures as same as you feel the next day of drinking. What a great fact with fun!