Burn wrote:I fell into the trap years ago of accumulating TF's without really having the money. One paid off credit card debt later, I learnt my lesson.
Which is good, considering I now have a mortgage. So paying for TF's is a low priority. I wait for sales (HA! That's a joke) or just budget. There's normally one week a month where I may be able to burn $50 or so, that gets spent on myself be it TF's, hookers, or something else.
Unless it's a harder to get must have figure, then I'll pay for it and suffer the consequences later.
I know what you mean. 5 years ago I was in the habit of blowing cash on toys like it was water, and had been for years. I jacked up my credit cards and liberally assaulted my still spam. I was addicted to ebay on top of buying stuff at retail (back when it could be found there!). It came to a head when I started to get into bidding wars over stuff on ebay and began taking cash advances on my credit card to pay for it. Stoooopid. Do you know what they charge for interest on that? Thankfully, I had an epiphany then and realized that I had a problem.
I wised up pretty quick. I had to. Normal people don't buy the entire line of Mego Micronauts MIB (minus the alien vehicles and the European) along with the Palisades offerings and Takara reissue Microman figures in under a year on my income. I got my s**t together, paid my debts down, and learned to prioritize. Fortunately I caught it before my credit was affected.
Long story short (well, it's too late for that!), I pay cash now, and only when the bills are paid. If there's something I want but can't afford, I don't get it until I CAN afford it, meaning it's gotta get cheaper, or I save up over time for it. This has paid off many times such as when I rejected RTS Windcharger at $35+ and eventually found it at 5 and Up for 5 bucks. The same thing happened with Jetwing Prime. After a year of waiting, it came up as an Amazon exclusive for $104.00 shipped. Beats $260.00 any day.
When I buy online, I use my debit, rather than a credit card. I refuse to use anything that charges interest. You would cry like a frightened child if you saw what the interest is on a Sears Mastercard with a $10,000 balance!