Has anyone ever thought (£££££ content)
used to. got me into all kinds of shit. don’t do it anymore. im now firmly in the ‘ if i dont have the money, i dont buy it’ camp. and a lot happier for it.
Yep! I’m paying off the debt I accumulated due to stupidity and lack of patience. Sure I’m skint a lot of the time, but I’m now not buying shit I don’t need, which is liberating. Amazing when you’re not slapping it on a credit card how much more expensive and pointless a video game looks (just one of many examples) 😀Posted 4 years agoTheArtistFormerlyKnownAsSTRSubscriber
Some things I pay cash for, some things go on the credit card, sometimes I buy things I can’t afford, sometimes I think ‘I can’t afford that’, sometimes I have a huge debt, sometimes it’s not so huge, sometimes I make a ridiculous amount of money, sometimes I spend a ridiculous amount of money – it’s all a bit meh! One thing I don’t do is lose any sleep over it!Posted 4 years agobigyinnMember
Once in another life I was like this. I knew things were getting bad, so before the financial vultures started circling overhead, I got a pair of Float RLCs on the card.Posted 4 years ago
Then it turned into 2 years of financial meltdown, nearly got declared bankrupt, but managed to get bailed out that time and havent touched any credit or run up any debt in the last 3 years.
I sleep better now.
Toying with getting a new credit card, using it once a month for the shopping, paying it off in full every month to try and build up some sort of credit rating.DickyboyMember
As a student I cut my credit card up & sent it back to the bank – they sent me a new one by return & my good intention of hitching to the south of france turned into a bit of a trains, planes, automobiles & alcohol fueled event 😳 never really been tempted to overspend sincePosted 4 years agomattbeeSubscriber
I got it all out of my system when I was a student, and 18 years later I’ve pretty much paid it all off.Posted 4 years ago
Now I buy stuff with cash I’ve got. Doesn’t make some of my purchases any more sensible but at least when I get buyers remorse it’s not followed up by a credit card bill.
If I didn’t have my wife to rein me in I reckon I’d be far more profligate.bikebouyMember
I helped out on a mates stand at the London Boat Show ooohhhh back in 01/02 ( scratches head) and the first Thursdays are normally for the press, well the show was closed for 2 hours, incl the press, except exhibitors were open.. Anyhoos a tribe of Arab Sheiks came meandering and bought the two biggest mega power cruisers right there, right then. We all were aghast at the rumours that went around saying things like ” I’ll take that & that *clicks fingers* ” as one of the men in black takes out a black card…..
Me, well I’ve just paid £25 for tea & cake in Betty’s in That Harrogate. I am empowered 😆Posted 4 years agowartonMember
my take on it is it’s very easy to get into debt and pay it back at 0% interest on Credit cards these days. So if I want something bigish that I can’t afford outright, I’ll buy it, and then make sure I commit to paying off the debt in the same time it would have taken me to save for it.
I don’t really see a difference.Posted 4 years agoFuzzyWuzzyMember
My best road bike started off with the idea of getting a really nice frame but mid-range bits to keep the cost sensible, but once in the shop with the parts catalogue out I soon ended up with Dura-Ace and other fancy bits, and a credit card balance I’m still paying off two years later :pPosted 4 years agonjee20Subscriber
Yeah I’m pretty rubbish at this frankly. Always have a bit on cards, gradually chip away at it, then buy something else I don’t really need. Doesn’t bother me hugely, can always pay far more than minimum off, a bit of interest isn’t really the end of the world. Could get myself into a lot of trouble though, got nearly £25k of credit across 3 cards.
I’m very seriously considering buying my next car on a credit card, (c£12k probably), as the interest rate on my Barclaycard is more favourable than most loans.Posted 4 years agoononeorangeSubscriber
I was recuperating from surgery earlier in the year and was pulling apart my Pro II rear hub (stay with me). I realised that I didn’t have one of the Hope bearing tools, wanted to have the proper tools so rang up a decent bike shop and they agreed to split a set and send me what I needed. Of course, during the conversation we naturally turned to their demo bikes and by the end of the conversation I’d bought one.
Seemed a result for a sub-£10 tool being missing!Posted 4 years ago
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