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Blu-ize
Plan B is Now Plan A
Member since 7/05 32475 total posts
Name:
Susan
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Be honest
If you buy a high end luxury item $$$$$ do you pay cash or is it usually on credit and you pay it off?
If you pay cash, did you save up or does it just come out of your regular everyday funds?
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Posted 4/18/11 9:09 AM  |
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Long Island Weddings
Long Island's Largest Bridal Resource |
JennZ
MY LIFE!!
Member since 8/05 25463 total posts
Name:
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Re: Be honest
I debit everything. If dh was buying, he would charge it. I hate to chage, he hates to debit. It balances.
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| Posted 4/18/11 9:11 AM |
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sunnyplus3
:)
Member since 11/05 8749 total posts
Name:
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Re: Be honest
I don't buy very much high end stuff at full price but when I do shop I always debit or use cash.
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| Posted 4/18/11 9:37 AM |
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headoverheels
s'il vous plaît
Member since 6/07 42079 total posts
Name:
LB
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Re: Be honest
Ever since getting ourselves into debt  if we buy a high end item we only pay cash (or on the debit card).
The only things we really charge these days are items from Target and that's only because we get 5% off purchases. We don't use any of our other credit cards.
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| Posted 4/18/11 9:44 AM |
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julesrbf
Baby Girl
Member since 6/09 3882 total posts
Name:
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Re: Be honest
Posted by JennZ
I debit everything.
Me too.
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| Posted 4/18/11 9:45 AM |
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-Lisa-
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Member since 5/05 6530 total posts
Name:
Lisa
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Re: Be honest
I use my credit card for almost everything, but I never carry a balance. It all gets paid off when the bill comes in.
I rarely have a lot of cash on me, and I only use my debit at the ATM. Plus I like the benefits my CC provides and the miles/points.
Message edited 4/18/2011 9:47:05 AM.
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| Posted 4/18/11 9:46 AM |
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Blu-ize
Plan B is Now Plan A
Member since 7/05 32475 total posts
Name:
Susan
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Re: Be honest
so when you guys are buying high end luxury items like bags, shoes, jewelry is it because you saved up for a special purchase or did it come out of regular funds?
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| Posted 4/18/11 10:06 AM |
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sunnyplus3
:)
Member since 11/05 8749 total posts
Name:
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Re: Be honest
Posted by Blu-ize
so when you guys are buying high end luxury items like bags, shoes, jewelry is it because you saved up for a special purchase or did it come out of regular funds?
I have "mad money" that I save up and since I don't shop for sport anymore I can splurge on big ticket items sometimes.
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| Posted 4/18/11 10:20 AM |
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jilliibabii
Mrs. O'Connor
Member since 6/10 12821 total posts
Name:
Jillian
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Re: Be honest
Posted by KellyFG
I don't buy very much high end stuff at full price but when I do shop I always debit or use cash.
Ditto.
ETA: I usually have to budget it a little between like maybe two paychecks, but since I don't shop so often it usually comes out of my regular money.
Message edited 4/18/2011 10:39:31 AM.
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| Posted 4/18/11 10:37 AM |
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KartveliT
...
Member since 1/08 8363 total posts
Name:
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Re: Be honest
Ever since having DD I don't buy high end items any more , I just can't justify spending the money even if and when I can afford it. But IF I do buy something that's a little bit more $$$ than I normally spend I use cash, always cash, I don't like charging. And usually I just save up for the item I know I want.
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| Posted 4/18/11 10:54 AM |
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headoverheels
s'il vous plaît
Member since 6/07 42079 total posts
Name:
LB
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Re: Be honest
Posted by Blu-ize
so when you guys are buying high end luxury items like bags, shoes, jewelry is it because you saved up for a special purchase or did it come out of regular funds?
Regular funds, we just don't get anything unless we can afford it. Really, really big purchases we also tend to wait until after a birthday or holiday and use some of that money as well (like when DH got his Macbook Air).
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| Posted 4/18/11 11:09 AM |
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robynfs
12/6/10!!
Member since 9/05 4947 total posts
Name:
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Re: Be honest
Big ticket items are paid by credit card and paid when the bill comes.
We usually only buy these types of items when we know we don't have any other out of the ordinary expenses that month. For example we just bought some new furniture last weekend so no bags, shoes etc for us this month.
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| Posted 4/18/11 11:17 AM |
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Beth
The Key to your new home....
Member since 2/06 24849 total posts
Name:
Beth
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Re: Be honest
there is a bag I want
if I don't get it for my bday I am going to put $200 a closing a side for it
it's easier when your single- I don't have to answer to anyone but me
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| Posted 4/18/11 11:28 AM |
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KittyGags
LIF Adult
Member since 7/09 5614 total posts
Name:
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Re: Be honest
I don't buy things unless i have the money for them. I always use a CC though because I earn either cash back or points. I pay all my ccs in full when i get the bill
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| Posted 4/18/11 11:44 AM |
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Blu-ize
Plan B is Now Plan A
Member since 7/05 32475 total posts
Name:
Susan
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Re: Be honest
Posted by Beth
there is a bag I want
if I don't get it for my bday I am going to put $200 a closing a side for it
it's easier when your single- I don't have to answer to anyone but me
that's what I was getting at. Not the single part because we both like to spend when we have it but putting away a little each pay so you can get it.
or just having that kind of cushion so you can always treat yourself..
or sacrificing other things to get it..
or..just flat out putting it on a credit card and paying it off.
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| Posted 4/18/11 12:21 PM |
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Re: Be honest
Credit card but with the money in the bank to cover it. BUT I have a ceiling for stuff- I can't see spending $500 or more so a splurge for me would less. I have never spent more than $200 on a bag, for example. I was in debt when I was single and I never want that to happen again.
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| Posted 4/18/11 12:23 PM |
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Re: Be honest
I don't buy too many things now that I'm unemployed. But when I was working, I would treat myself to things as long as we made our savings goal that month. Now, I've never spent more than $300 at a time on any one item, and usually it is a lot less than that. I have a dream to have an LV bag someday, and that will come out of savings from my paycheck, once I have one.
ETA: to answer the original question, we pay credit for almost everything and pay off the balance every month in full.
Message edited 4/18/2011 12:27:34 PM.
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| Posted 4/18/11 12:25 PM |
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CunningOne
***
Member since 5/05 26975 total posts
Name:
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Re: Be honest
I charge everything - BUT all my cc bills are paid in full each month. I never carry a balance.
Before I make a big $$ purchase, I always look at my accounts and make sure I can swing it that month.
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| Posted 4/18/11 12:36 PM |
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orchid24
PARTY OF FIVE PLEASE!
Member since 3/06 2018 total posts
Name:
D
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Re: Be honest
put it on credit card and pay it off in full with next statement.
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| Posted 4/18/11 12:38 PM |
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LisaI
Momma's Little Beans
Member since 1/06 3923 total posts
Name:
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Re: Be honest
debit or Amex (amex to us is like a debit).
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| Posted 4/18/11 12:39 PM |
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DanaRenee
Fitness Junkie!
Member since 6/06 6470 total posts
Name:
Dana
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Re: Be honest
I charge everythign but we pay off our amex every month. I dont buy anything unless we could typically pay cash for it but just use the credit card out of convienence. we dont have any debt except our mortgage
eta: i am getting something expensive coming up and i'm going with 24mo interest fee financing to pay for it instead of charging it on the card or paying cash
Message edited 4/18/2011 12:42:48 PM.
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| Posted 4/18/11 12:40 PM |
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computergirl
LIF Adult
Member since 5/05 3118 total posts
Name:
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Re: Be honest
Posted by -Lisa-
I use my credit card for almost everything, but I never carry a balance. It all gets paid off when the bill comes in.
I rarely have a lot of cash on me, and I only use my debit at the ATM. Plus I like the benefits my CC provides and the miles/points.
This is exactly how I do it too.
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| Posted 4/18/11 1:46 PM |
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2PreciousBlessings
The Perfect Pair
Member since 5/06 19861 total posts
Name:
Best Wife & Mommy
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Re: Be honest
Either cash or debit. Rarely use charge card for certain items.
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| Posted 4/18/11 2:01 PM |
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CathyB
Member since 5/05 19403 total posts
Name:
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Re: Be honest
Posted by chmlengr
I charge everything - BUT all my cc bills are paid in full each month. I never carry a balance.
Before I make a big $$ purchase, I always look at my accounts and make sure I can swing it that month.
This is what we do too.
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| Posted 4/18/11 2:24 PM |
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fabrichick
LIF Adult
Member since 5/05 2479 total posts
Name:
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Re: Be honest
i don't buy any big ticket items in cash or debit
all on credit card
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| Posted 4/18/11 2:32 PM |
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