Forum adverts like this one are shown to any user who is not logged in. Join us by filling out a tiny 3 field form and you will get your own, free, dakka user account which gives a good range of benefits to you: No adverts like this in the forums anymore. Times and dates in your local timezone. Full tracking of what you have read so you can skip to your first unread post, easily see what has changed since you last logged in, and easily see what is new at a glance. Email notifications for threads you want to watch closely. Being a part of the oldest wargaming community on the net. If you are already a member then feel free to login now.

When it comes to buying, find yourself a stopping point. Sure we could always use more or some new release looks really sweet, but find yourself a point where you can go "ok, I can make due with what I have for now" And don't buy any more until you get into a better spot.

For a while I was spending faster than I was paying on my card and I could see the balance going up and up. I had to stop and convince myself "I have enough options for my army that I can hold off with anything else until I get the card under control"

kaotkbliss wrote:
For a while I was spending faster than I was paying on my card and I could see the balance going up

As an adult, I am going to tell you that is a terrible thing to do to your personal finances. When you borrow money, it should be for things that add value, not luxuries and hobbies. Carrying debt for bad reasons digs you deeper into the hole. Interest, especially credit card interest is just burning money for nothing. If you find yourself in debt, sell as much stuff as you can.. Keep a minimum of what you love the best, and dump the rest. When money comes back, you can always re-buy. Otherwise, pay down debt as best you can. It's a guaranteed payof.

As perhaps a more odd suggestion, I suggest playing in more tournaments. Start with an army, then hone it through a series of tournaments or tournament-style games. Each game/event, work on incremental changes to your list, and try starting with models you already have. In the short run you might buy more stuff, but once you've got your army optimized your purchases will slow as the changes become less drastic. Then once you have a set of models you consistently use, consider selling/trading the ones sitting on the shelf. Depending on how good you get, your hobby can also be self-sustaining via trading your existing models or winning prizes (store credit, etc) from local tournaments.

 JohnHwangDD wrote:

As an adult, I am going to tell you that is a terrible thing to do to your personal finances. When you borrow money, it should be for things that add value, not luxuries and hobbies. Carrying debt for bad reasons digs you deeper into the hole. Interest, especially credit card interest is just burning money for nothing. If you find yourself in debt, sell as much stuff as you can.. Keep a minimum of what you love the best, and dump the rest. When money comes back, you can always re-buy. Otherwise, pay down debt as best you can. It's a guaranteed payof.

Trust me, I know. Which is why I stopped. Basically what I was doing was I had a budget to spend each pay, I used my card for these purchases, then on payday would pay off those purchases. That way, my card was being used but did not carry a heavy balance - for credit rating (on-time payments and credit to debt ratio).

It's when my spending started going over budget (or I kept raising my budget) that I realized I had to stop buying.

kaotkbliss wrote:

 JohnHwangDD wrote:

As an adult, I am going to tell you that is a terrible thing to do to your personal finances. When you borrow money, it should be for things that add value, not luxuries and hobbies. Carrying debt for bad reasons digs you deeper into the hole. Interest, especially credit card interest is just burning money for nothing. If you find yourself in debt, sell as much stuff as you can.. Keep a minimum of what you love the best, and dump the rest. When money comes back, you can always re-buy. Otherwise, pay down debt as best you can. It's a guaranteed payof.

Trust me, I know. Which is why I stopped. Basically what I was doing was I had a budget to spend each pay, I used my card for these purchases, then on payday would pay off those purchases. That way, my card was being used but did not carry a heavy balance - for credit rating (on-time payments and credit to debt ratio).

It's when my spending started going over budget (or I kept raising my budget) that I realized I had to stop buying.

OK, all good. I know people who have really hurt themselves with cards.

With all these comments I've actually managed to control myself.

Saw a cheap box on eBay.. But I just thought about the effort I'd need to get that painted on top of all my other stuff and it instantly turned me away. The effort outweighed the price. At least until I'm caught up.