you know when all you lovely people give advice...

skint_spice

if the machine could be guaranteed to bring money in I'd say yes, the safe option would be to put it into savings account as your debt is 0% but it's not like you are borrowing money to buy the machine so.... I'd probably buy it but that's why I'm skint_spice and not rich_spice!

Have you had a look on ebay at resale values? maybe if you didn't use it much you could still recoup a fair bit of the cost?

Snaggles

Buy it and put the rest into savings?

I don't think you should feel guilty about it - you're not in debt, you can afford it, and it might increase your earnings, so there are plenty of reasons to get it, and only a couple to not get it.

SarahNeedle1872

Exactly as Snaggles said...... get ur cutter then bank the rest (in a saving acc for the interest). The £60 odd will still count towards ur Olympic total, regardless of whether u spend it or not... and what you buy has the potential to make u more money..... speculate to accumilate and all that! I'd say go for it!

On a completely random note, I was thinking about hwen I have brea my terr and rememebered u said u were putting urs out ur window..... don't forget to put it in a couple of bags so the cash doesn't go all over the garden!.... Random thought for the day!

Have a good one

S x

Gemmzie

I agree with Snags too. In my first challenge I paid half off my debts and spent half. If you're out of debt and don't treat yourself you're liable to get frustrated and go off on a spending bender in a few months.

embarrassed_about_my_debt

I wouldnt buy the die cutter, my mum bought one and was very disappointed with it. (Although she has bad hands and it was meant to be "easy" so this may be why) Cost her a fortune with all the die cut bits and it has hardly been used as she cant.

yeslek

postingalwaysposting wrote: »

and someone doesnt take it... well i am that someone... and i feel such a stupid idiot... and its all my fault :mad: it can be put right in less than 4 months though but i dont think thats the point... sorry for ignoring you all hope i am forgiven...

i didnt close one of my creditcards... as told to do by all of you... put it into my drawer and didnt close it... knew it was there but didnt bring it out... well my brother used to to renew his xbox subscription (one reason i didnt close it) well then i just had a bad week this week in work... etc etc and this is when my spending takes over to make myself happy again.... only i had none so i dug out my c/c now i have a bill of £477.85 :mad: i can pay it off in nearly 3 months (but it will prob be 4) why have i been so stupid anyways... if my own stupid fault i just couldnt supress that desire...

i dont expect help this time... you have helped me once... the card is now gone (cut up) and i am writing a letter to close the account to put next to my computer... as soon as its all paid that is being sent off... i am just so happy i didnt spent up to the limit this time (nearly £1000.00)... sorry to have used you all and gone back to my old ways...


i dont think i should post here now... i dont feel worth it... good luck with all your milestones... sorry again pap

*young reckless and stupid*

i did a similar thing, but my reasoning was that i drive all over the place a lot and need a card just incase (ie got stuck in cardiff before xmas and was looking at having to get a hotel - can be claimed back from work like - but i would have had to foot the bill initially) and so didnt close my halifax card...as you can see it creeped up loads and now i'm having to start all over again with reducing my debts.
i've not managed to get another, lower interest (6.7%) card with only a grand limit which has not been used and will be the emergancy card i kept halifax as so this time i will have no excuse not to cut it up when its cleared

i've found having a goal in sight a big help - my mom's taking me NYC in nov/dec this year once i've finished uni like, and so i need to save spending money for that and aim to clear all but my loan by then - big goal but i'd rather aim high an fall short than surpass the goal too quickly.

Snaggles

embarrassed_about_my_debt wrote: »

I wouldnt buy the die cutter, my mum bought one and was very disappointed with it. (Although she has bad hands and it was meant to be "easy" so this may be why) Cost her a fortune with all the die cut bits and it has hardly been used as she cant.

Pap, that's a point actually, have you looked into second hand ones? Are there different makes? Can you Google them to see what makes people have bought and what they thought of them.

Your Mum isn't wanting to sell hers, is she eamb?

embarrassed_about_my_debt

Snaggles wrote: »

Your Mum isn't wanting to sell hers, is she eamb?

Dont know i can ring and ask her later if pap wants?

postingalwaysposting

thanks all :j

Umm this is the item its a very new machine and it cuts any dies from any manufacture. I could get one like this but this restricts the dies i can use. I can say i dont know... i really dont, But eamd if your mother wants to sell hers pm me the details etc i would gladly take it into consideration. Thanks all for your imput but i am still not 100% i guess time will tell.

~~~~

ummm ebay stuff finished (well 90% of it) not overly excited. I made £91.53 before postage, however i have £20 worth of fees and postage to take from that... so i guess it may be about £60 in the end. The stuff ending tommrow is up to £46.56 but then i will get more fees for selling that :mad:. Also i will have to buy more jiffy bags tommrow and the such... this is the bit i hate about selling.

anyways i am off to bed i think, in a bad mood today and really down, lots of things not helping and the thought of another 10hours tommorow fills me with joy

JET34

Hi PAP don't know if I have said it before but HAPPY NEW YEAR!! and the very best for 2008

Well at least all the thing's you have sold on ebay aren't cluttering up your room now or they won't be once you have sent them! Oh yea well done on your bingo win's I never seem to win so I am glad someone I know has!!