Comments on: Ten Things I Want to Buy, But Won’t http://www.savingadvice.com/articles/2009/05/11/104491_ten-things-i-want-to-buy-but-won%e2%80%99t.html Bridging the gap between saving money and investing Fri, 25 May 2012 15:48:17 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Things http://www.savingadvice.com/articles/2009/05/11/104491_ten-things-i-want-to-buy-but-won%e2%80%99t.html/comment-page-1/#comment-945223 Things Thu, 19 May 2011 02:47:54 +0000 http://www.savingadvice.com/blog/?p=4491#comment-945223 I take an items list that I intend to buy, but impulsive buy something without thinking much about it. I take an items list that I intend to buy, but impulsive buy something without thinking much about it.

]]> By: Leopold http://www.savingadvice.com/articles/2009/05/11/104491_ten-things-i-want-to-buy-but-won%e2%80%99t.html/comment-page-1/#comment-705358 Leopold Sun, 13 Jun 2010 01:11:48 +0000 http://www.savingadvice.com/blog/?p=4491#comment-705358 Yeah, DVC. My sister tried to talk us into that when they first got involved in it. When it first came out (1997?), she got 350 points. It was over $30,000 and of course they didn't have $30,000 so they had to finance it. Well, at 6% over 45 years, $30,000 present value, $0 future value: That's an outgo stream of $1941 per year. ADD to that, the annual dues. Currently about $4 per point or another $1400 per year. Add the two together and you get: $3341 per year. Yeah, they are nice place, but this is really for people who are bad at math. Do you realize what you can get for 3300 bucks? One year she didn't book her points early enough, so in addition to paying for DVC, and since they really wanted to go to Orlando, they ended up paying for a stay at another place. Bummer. These guys must be the best salespeople in the world, because while she is there, they sell her another 350 point plan at a different resort to supposedly help with that. THEN ten years later the kids are grown up and Disney is no longer in vogue. Because they couldn't always get the times they wanted (waited too long to book), they were going to Florida in the summer, which they HATE. And . . . it's costing them a discounted cash flow of nearly $7000 per year to do this. So happy I didn't do this. I didn't want to see Disney every freakin' year. So we got to do other fun things with our $7000 per year. Went to Europe. Enjoyed Vegas. Etc. Etc. Just think people. Do you really want to hear ditzy music blaring in your ears when you are 70? Everywhere you go in Disney it's noise. To each their own. Yeah, DVC. My sister tried to talk us into that when they first got involved in it. When it first came out (1997?), she got 350 points. It was over $30,000 and of course they didn’t have $30,000 so they had to finance it. Well, at 6% over 45 years, $30,000 present value, $0 future value: That’s an outgo stream of $1941 per year.

ADD to that, the annual dues. Currently about $4 per point or another $1400 per year. Add the two together and you get: $3341 per year. Yeah, they are nice place, but this is really for people who are bad at math. Do you realize what you can get for 3300 bucks?

One year she didn’t book her points early enough, so in addition to paying for DVC, and since they really wanted to go to Orlando, they ended up paying for a stay at another place. Bummer. These guys must be the best salespeople in the world, because while she is there, they sell her another 350 point plan at a different resort to supposedly help with that.

THEN ten years later the kids are grown up and Disney is no longer in vogue. Because they couldn’t always get the times they wanted (waited too long to book), they were going to Florida in the summer, which they HATE. And . . . it’s costing them a discounted cash flow of nearly $7000 per year to do this.

So happy I didn’t do this. I didn’t want to see Disney every freakin’ year. So we got to do other fun things with our $7000 per year. Went to Europe. Enjoyed Vegas. Etc. Etc.

Just think people. Do you really want to hear ditzy music blaring in your ears when you are 70? Everywhere you go in Disney it’s noise. To each their own.

]]> By: eric http://www.savingadvice.com/articles/2009/05/11/104491_ten-things-i-want-to-buy-but-won%e2%80%99t.html/comment-page-1/#comment-600918 eric Fri, 05 Jun 2009 23:05:06 +0000 http://www.savingadvice.com/blog/?p=4491#comment-600918 i have a wii, i played with it for 3 weeks, now it sits, my kids rarely play with it and they are between 6 - 10. i had a new car once, your right, you hate yourself after you do the math, especially if you trade it in a couple years later and have to pay them to take it because it is worth a lot less than you owe. i got some new brushed aluminum appliances, they look like stainless, but do not need to be cleaned. and i got them for a great deal from lowes on a weekend, because thats when they put out their "scratch and dent" stuff, as long as the scratches and dents are behind the units, then i dont care, and saving anywhere from 10% - 60% is great. i got a big screen, i dont watch it much, but when i do! ohh im in visual delight, my kids watch it the most though, but then again, i did not pay full price, i bought it for 50% off on clearance from walmart. im with you on the motor home, we have a old camper, we use it one week a year, cannot justify spending $$$$$ for a new or even newer but used one. i have the iphone 3g, got it for $99 from att.com you must get one! i had a prepaid for years but once i started using $60 a month in prepaid time i went to att, all att to att cell calls are free, and the basic package gives me more than enough minutes and the internet has been a life save a few times, you must get one. magazine subscriptions...i was in your shoes a few years back except it wasnt people it was architectural digest, but i went on ebay and got a 3 year subscription for about $6...thats right, just six bucks, so go to ebay for the subscriptions. i havent been interested in a treadmill pool, but i wanted a hot tub, for years i wanted one, then the magical day came and i finally got one...guess what, it sucked, and i returned it 3 weeks later....then i started telling my stories to neighbors that had one, and guess what, they hated theirs too, they never used it, it cost too much in upkeep and electric (northern indiana its cold up here) and they usually would break down on year 2. and once they finally got rid of theirs they did not buy another one, i dont know anyone that has had more than one hot tub. i have a wii, i played with it for 3 weeks, now it sits, my kids rarely play with it and they are between 6 – 10. i had a new car once, your right, you hate yourself after you do the math, especially if you trade it in a couple years later and have to pay them to take it because it is worth a lot less than you owe. i got some new brushed aluminum appliances, they look like stainless, but do not need to be cleaned. and i got them for a great deal from lowes on a weekend, because thats when they put out their “scratch and dent” stuff, as long as the scratches and dents are behind the units, then i dont care, and saving anywhere from 10% – 60% is great. i got a big screen, i dont watch it much, but when i do! ohh im in visual delight, my kids watch it the most though, but then again, i did not pay full price, i bought it for 50% off on clearance from walmart. im with you on the motor home, we have a old camper, we use it one week a year, cannot justify spending $$$$$ for a new or even newer but used one. i have the iphone 3g, got it for $99 from att.com you must get one! i had a prepaid for years but once i started using $60 a month in prepaid time i went to att, all att to att cell calls are free, and the basic package gives me more than enough minutes and the internet has been a life save a few times, you must get one. magazine subscriptions…i was in your shoes a few years back except it wasnt people it was architectural digest, but i went on ebay and got a 3 year subscription for about $6…thats right, just six bucks, so go to ebay for the subscriptions. i havent been interested in a treadmill pool, but i wanted a hot tub, for years i wanted one, then the magical day came and i finally got one…guess what, it sucked, and i returned it 3 weeks later….then i started telling my stories to neighbors that had one, and guess what, they hated theirs too, they never used it, it cost too much in upkeep and electric (northern indiana its cold up here) and they usually would break down on year 2. and once they finally got rid of theirs they did not buy another one, i dont know anyone that has had more than one hot tub.

]]> By: Meaghan http://www.savingadvice.com/articles/2009/05/11/104491_ten-things-i-want-to-buy-but-won%e2%80%99t.html/comment-page-1/#comment-590460 Meaghan Tue, 19 May 2009 23:29:13 +0000 http://www.savingadvice.com/blog/?p=4491#comment-590460 What a great post! These are absolutely those impulse buys that you really want, but are soooo not worth it! What a great post! These are absolutely those impulse buys that you really want, but are soooo not worth it!

]]> By: Breton Wench http://www.savingadvice.com/articles/2009/05/11/104491_ten-things-i-want-to-buy-but-won%e2%80%99t.html/comment-page-1/#comment-588405 Breton Wench Wed, 13 May 2009 18:34:17 +0000 http://www.savingadvice.com/blog/?p=4491#comment-588405 Ummm. the new car.....why? Husband and I have never bought (or wanted) new cars - we have always been able to pick up perfectly good second hand for cash - no credit arrangements there! Husbands current work vehicle is a 21 year old Renault Nevada - and she runs as sweet as a nut. ....and in 2 years she will be vintage!!! Ummm. the new car…..why? Husband and I have never bought (or wanted) new cars – we have always been able to pick up perfectly good second hand for cash – no credit arrangements there! Husbands current work vehicle is a 21 year old Renault Nevada – and she runs as sweet as a nut.
….and in 2 years she will be vintage!!!

]]> By: Natural http://www.savingadvice.com/articles/2009/05/11/104491_ten-things-i-want-to-buy-but-won%e2%80%99t.html/comment-page-1/#comment-587712 Natural Tue, 12 May 2009 18:10:15 +0000 http://www.savingadvice.com/blog/?p=4491#comment-587712 i play my wii once a month. i don't regret the purchase though. i'll play a game when i get home. :) i'm with you on the rest of the stuff. i want a new car V6, stick shift, but i won't and can't do it. i play my wii once a month. i don’t regret the purchase though. i’ll play a game when i get home. :)

i’m with you on the rest of the stuff. i want a new car V6, stick shift, but i won’t and can’t do it.

]]> By: Neil http://www.savingadvice.com/articles/2009/05/11/104491_ten-things-i-want-to-buy-but-won%e2%80%99t.html/comment-page-1/#comment-587562 Neil Tue, 12 May 2009 12:14:41 +0000 http://www.savingadvice.com/blog/?p=4491#comment-587562 Hi I agree totally with the spirit of your list. You say you travel extensively and I think that is exactly the sort of thing that is worth spending money on (if you can afford it). Pay for experiences, prefereably ones shared with your friends and family) and the memories will be with you forever. Much better than a "thing" that will inevitably become obsolete/worn out! Hi

I agree totally with the spirit of your list. You say you travel extensively and I think that is exactly the sort of thing that is worth spending money on (if you can afford it). Pay for experiences, prefereably ones shared with your friends and family) and the memories will be with you forever.

Much better than a “thing” that will inevitably become obsolete/worn out!

]]> By: mickeylily http://www.savingadvice.com/articles/2009/05/11/104491_ten-things-i-want-to-buy-but-won%e2%80%99t.html/comment-page-1/#comment-587486 mickeylily Tue, 12 May 2009 06:41:16 +0000 http://www.savingadvice.com/blog/?p=4491#comment-587486 it's easy to get a designer purse, if you don't mind discount items. You can easily find such items at followsales. I once found a Bottega Veneta 50% off, and saved about $1000~ there. it’s easy to get a designer purse, if you don’t mind discount items. You can easily find such items at followsales.
I once found a Bottega Veneta 50% off, and saved about $1000~ there.

]]> By: Debbie M http://www.savingadvice.com/articles/2009/05/11/104491_ten-things-i-want-to-buy-but-won%e2%80%99t.html/comment-page-1/#comment-587447 Debbie M Tue, 12 May 2009 02:32:43 +0000 http://www.savingadvice.com/blog/?p=4491#comment-587447 Interesting. I was thinking my list was different, but now that you mention it, iPhones are cool (except for that expensive monopoly on the phone contract). Also on my list: * mansion - too expensive and hard to maintain * big piece of wooded land full of hiking trails - too expensive and too far away * my own ballroom dance hall and set of ultimate frisbee fields - too expensive, I'd rather retire early * paint job for my car to make it a prettier color - just a waste of money * glamour shots, quick before I get too old - too late :-) * mansion in a big piece of wooded land full of hiking trails, with a big ballroom dance add-on and several large open fields for ultimate frisbee with my freshly painted sparkly midnight blue 17-year-old car in the driveway. Oh, wait, I sort of mentioned that already. The buying-used strategy won't work for me, but the occasional rental strategy does. Interesting. I was thinking my list was different, but now that you mention it, iPhones are cool (except for that expensive monopoly on the phone contract).

Also on my list:

* mansion – too expensive and hard to maintain
* big piece of wooded land full of hiking trails – too expensive and too far away
* my own ballroom dance hall and set of ultimate frisbee fields – too expensive, I’d rather retire early
* paint job for my car to make it a prettier color – just a waste of money
* glamour shots, quick before I get too old – too late :-)
* mansion in a big piece of wooded land full of hiking trails, with a big ballroom dance add-on and several large open fields for ultimate frisbee with my freshly painted sparkly midnight blue 17-year-old car in the driveway. Oh, wait, I sort of mentioned that already.

The buying-used strategy won’t work for me, but the occasional rental strategy does.

]]> By: David Stillwagon http://www.savingadvice.com/articles/2009/05/11/104491_ten-things-i-want-to-buy-but-won%e2%80%99t.html/comment-page-1/#comment-587445 David Stillwagon Tue, 12 May 2009 02:28:04 +0000 http://www.savingadvice.com/blog/?p=4491#comment-587445 I didn't realize that a subscription to people mag. is 120 dollars a year! I think I'd pass on that to. I didn’t realize that a subscription to people mag. is 120 dollars a year! I think I’d pass on that to.

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