Let's see if we can put this in terms that you can understand..
Let's envision a couple.. we'll call them Bobby and Mary.
Bobby and Mary had no groceries so they borrowed $300.00 from Mary's dad. Bobby and Mary go to the grocery store with the $300.00 dollars in hand but can't come to an agreement on what food they need to buy. Mary wanted to buy a lot of chicken and vegetables to put in the freezer, but Bobby wants to buy steak and invite his friends to a cook-out. Mary says no, we had to borrow this money and we don't need to waste it and then heads over to price the chicken. Meanwhile, Bobby grabs $300.00 worth of steak and beer and heads to the checkout. By the time Mary gets to the checkout, it's too late to stop Bobby's purchase. Mary is quite pissed about it and reminds him that she thought it was stupid to waste their loan that way, but realizes that since all their money is tied up in Bobby's purchase, and she still has to pay her dad the $300.00 that they borrowed, she may as well try to enjoy the steak.
Did that make it easier?