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Post by danaustin1975 on May 20, 2008 11:52:09 GMT
This may sound incredibly stupid to some people reading this, but recently I seriously thought about getting a loan out, first of all it was just to have some spare cash, some spending money, then I realised how many transformers I could buy. The idea became addictive, just thinking about it - I love the boxed Transformers especially and thought if I just get a loan for a grand, I could get an instant small collection. But, I came to my senses!
How incredibly stupid it would be, a hobby shouldn't put you debt, and it seemed so easy, just forty quid a month in repayments and I thought 'that'll be no problem' but I don't get much money as it is, and paying that back at ridiculous APR rates would just be crazy, and probably back fire on me.
So, I guess I was wondering is there anyone, who would admit anyway, considering getting a loan or going to other lengths to get the money they want for those toys, which at the end of the day, are just toys in a ways, old toys admittedly, amazing toys yes, but still its better to have cash in your pocket and a roof over your head.
Anyone else experience this kind of temptation? Anyone else want to get loads of cash and buy a shed load of transformers? Am I alone in this?
On retrospect, what I'm going to do, is the sensible and right thing, and that is collect gradually, enjoy it while I'm doing it, and enjoy getting the purchases I do get - basically, that is the best way I think.
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Post by nightbird on May 20, 2008 12:42:00 GMT
Never been tempted by a loan but I have fallen dramatically into my overdraft especially earlier this year. Sometimes my love of seekers gets the better of my sanity.
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Post by TheGreatDestroyer on May 20, 2008 14:34:20 GMT
I never go into debt for more than one months wages, it's why I haven't brought any Transformers since I moved. That said I am sorely tempted to load up my credit card every time I look on ebay, see a new film with lots of merch or find a new anime series but thankfully my dad has burned the never go into debt into my skull through nagging me all my life. Asides from goodbye it was the last thing he said to me before he went on holiday last week - don't go into debt while I'm gone!
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Post by phantomfish on May 20, 2008 15:01:07 GMT
I do have to admit I have loaded my credit card a few times with TF's. Especially recently with the large influx of new figures constantly coming out there is barely ever a months respite from it.
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Post by danaustin1975 on May 20, 2008 16:08:01 GMT
It looks like I might not be alone then - its so easy to go overdrawn, or overspend, especially with overdrafts and credit cards.
I don't get that much money, and when I see these MISB going for a hundred odd I wonder, wow whoever is affording these babies has to be on a good salary! And you see some collections on display, like on this forum, and they're unbelievable.
TF collecting, great, but addictive stuff, and your wallet pays lol. The best thing is definatly not to go into debt, or try to keep it under control - when I browse ebay I find the same thing, I wish I could have that that and that lol.
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Post by Starscreams Ghost on May 20, 2008 21:14:22 GMT
I once took out a £5000 loan for a car
took it to a toy fair instead
not my wisest choice and I wouldn't recommend it to anyone unless they won the lottery
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Post by Xbot on May 21, 2008 3:25:41 GMT
I once sold a kidney to buy some smack
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Post by Rev. Mirage on May 21, 2008 15:04:47 GMT
No need to sell body parts. Some of us would Smack ya for free...
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Post by Minion on May 21, 2008 17:07:03 GMT
I try not to buy what I cannot afford right here and now. If I don't have the money I simply walk away. That said there are things in life you do need to borrow money for like houses, cars, etc.
It's all about priorities really.
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Post by Moonbug on May 21, 2008 17:37:44 GMT
Yeah, I've only been overdrawn once ( I think) by a few quid, in-between payments, several years ago. I have a personal policy that I'd never borrow money for anything, other than a house. I don't think I would even take a loan out for a car, it would be what I could afford of nothing.
Living at home has meant we've been able to spend without too much hassle, but at the same time we've been saving away every month since we started working (10 years ago). I try to save, but we often save for 3-4 months, then blow it all.
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Post by Galvy on May 26, 2008 21:20:51 GMT
i lent two quid of my son the other week at the boot sale. astrotrain with gun , and i had run out of cash. he charged me intrest. i confiscated his ds lite ;D astrotrain has a dodgy leg, but worth the grovelling  |
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Post by danaustin1975 on May 27, 2008 10:22:52 GMT
i lent two quid of my son the other week at the boot sale. astrotrain with gun , and i had run out of cash. he charged me intrest. i confiscated his ds lite ;D |
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Post by TheGreatDestroyer on May 27, 2008 21:03:01 GMT
i lent two quid of my son the other week at the boot sale. astrotrain with gun , and i had run out of cash. he charged me intrest. i confiscated his ds lite ;D The time and effort involved going to countless carboots versus the likelihood of finding vintage transformers is not good. If you're going looking for other things and stumble across some then awesome, but if you're only looking for TFs, you might as well try ebay and hope no-one else bids. |
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Post by Galvy on May 30, 2008 20:54:36 GMT
i agree with great destroyer, but i can honestly say tfs do spring up and you can walk with great bargains. i see many beast wars toys, g1 are harder to find or ridiculously priced.
now action man toys are another thing, there bloomin every where at the boot sales.
just keep your eyes open and dont be afraid to dive into ppls boxes and you may get a suprise now and then. plus its fun.
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