maxdown
Fractal Fanatic
All my credit cards (1 for business and 1 for personal) are set to direct debit the full statement amount from my bank accounts. If I knew I wouldn't have the dosh in the bank on the card's debit day then I wouldn't buy.
Credit card interest is madness .... arrange a quickie loan or overdraft (jeez remember those??) from your Bank with a sensible APR if you can and use it to pay the credit card balance if you plan to take a few months/years to pay it back.
Or ... swing a 'free interest for x months on existing purchases' transfer to another card company if you find a deal like that ... but make sure the funds are there before the free period is up or they can backdate the interest!
There's loads of luxury things we'd all have if we could afford them.... but if you go through the pain of saving before you buy then sometimes by the time the money's there in your hand you take off the rose coloured glasses and see that luxury item somewhat differently. Or, if you go ahead and buy said item with the hard earned cash, then you get the satisfaction of achievement to add to the pleasure of owning the new toy.
Credit card interest is madness .... arrange a quickie loan or overdraft (jeez remember those??) from your Bank with a sensible APR if you can and use it to pay the credit card balance if you plan to take a few months/years to pay it back.
Or ... swing a 'free interest for x months on existing purchases' transfer to another card company if you find a deal like that ... but make sure the funds are there before the free period is up or they can backdate the interest!
There's loads of luxury things we'd all have if we could afford them.... but if you go through the pain of saving before you buy then sometimes by the time the money's there in your hand you take off the rose coloured glasses and see that luxury item somewhat differently. Or, if you go ahead and buy said item with the hard earned cash, then you get the satisfaction of achievement to add to the pleasure of owning the new toy.