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Made in us
Regular Dakkanaut





I think I need help.
I can't stop buying for my army :(
My credit card is sitting on maxed-out and today was payday. So I tell myself "I'm going to get that card paid off, I've got to"
I make a payment to my card then tell myself "ok, now don't buy anything and next pay make another payment on the card"

About an hour later...
purchased 1 more droppod and a stormwolf for my army...


I think it's time for intervention

We're gonna need another Timmy!

6400 pts+ 8th
 
   
Made in us
Sword-Wielding Bloodletter of Khorne






Well, the first step to recovery is admitting there's a problem. So you're on the right track!
   
Made in us
Regular Dakkanaut





LOL Yeah, maybe I'll get this curbed by the time I have enough pieces to complete the entire chapter army...

Oh wait, then there's AoS

We're gonna need another Timmy!

6400 pts+ 8th
 
   
Made in gb
Emboldened Warlock




Widnes UK

How much of your stuff is painted? If you have a lot of unpainted stuff you could try focussing on painting, tell yourself you can't buy any new stuff until everything is painted.

Ulthwe: 7500 points

8th ed: W:4 L:2 D:1 
   
Made in fr
Dakka Veteran




As a non-american, I would just get rid of the credit card, and go for a debit card. So at least you can't spend money you don't have (and end-up buying your stuff at a higher price because of interests).
I know credit cards are a big thing in the US, but I think they go hand in hand with impulse buying.
   
Made in us
Resolute Ultramarine Honor Guard






If you are spending money you don't have - you have a problem. Unless you need that thing to live ofc.

What is your life?
My honour is my life.
What is your fate?
My duty is my fate.
What is your fear?
My fear is to fail.
What is your reward?
My salvation is my reward.
What is your craft?
My craft is death.
 
   
Made in ca
Longtime Dakkanaut





You need to talk to some people in real life. Friends and family. Admit to them the harsh reality that you've spent too much on that stuff. I need you to cancel those purchases (it is early enough that you can do this). You don't need them right now, and they'll be there 6 months from now.

Next, try this method to learn a great way to slow your purchases; paint before you buy. Make a rule to yourself - you won't buy a new unit until you're finished painting the last one you bought. Even if you're a speed painter, this will probably put a week's wait between purchases.

Take care. Shoot me a PM is you need any other help!

 Galef wrote:
If you refuse to use rock, you will never beat scissors.
 
   
Made in es
Deathwing Terminator with Assault Cannon




Vigo. Spain.

fresus wrote:
As a non-american, I would just get rid of the credit card, and go for a debit card. So at least you can't spend money you don't have (and end-up buying your stuff at a higher price because of interests).
I know credit cards are a big thing in the US, but I think they go hand in hand with impulse buying.


Yeah, credit cards are the devil, debit card all the way. All the comodities of a bank card without the problem of spending more money that you have.

 Crimson Devil wrote:

Dakka does have White Knights and is also rather infamous for it's Black Knights. A new edition brings out the passionate and not all of them are good at expressing themselves in written form. There have been plenty of hysterical responses from both sides so far. So we descend into pointless bickering with neither side listening to each other. So posting here becomes more masturbation than conversation.

ERJAK wrote:
Forcing a 40k player to keep playing 7th is basically a hate crime.

 
   
Made in us
Regular Dakkanaut





Almost none of it is painted because I decided my skills have improved a little so it's time to repaint everything! LOL

The Credit card is helping to build my credit by making on-time payments (I actually make extra payments each month) and it's not like it's money I don't have since I basically make a payment to the card, then use the card to spend the payment I just made.

However, I do need to get it paid down so that a) my credit to debt ratio is better and b) in case of emergency funds.

I made a $200 payment this morning and spent $100 of it, so if I can just hold off till next pay then I'll be a little better off when I make the next payment. (which will be another $200) even though my monthly payment only needs to be $25

We're gonna need another Timmy!

6400 pts+ 8th
 
   
Made in us
Liberated Grot Land Raida




kaotkbliss wrote:
Almost none of it is painted because I decided my skills have improved a little so it's time to repaint everything! LOL

The Credit card is helping to build my credit by making on-time payments (I actually make extra payments each month) and it's not like it's money I don't have since I basically make a payment to the card, then use the card to spend the payment I just made.

However, I do need to get it paid down so that a) my credit to debt ratio is better and b) in case of emergency funds.

I made a $200 payment this morning and spent $100 of it, so if I can just hold off till next pay then I'll be a little better off when I make the next payment. (which will be another $200) even though my monthly payment only needs to be $25


If you're making impulse purchases you can't afford, then you're not going to significantly build your credit by using the credit card. You are literally doing the thing that causes people to have bad credit.

From your descriptions of your army, you do actually have a problem with impulse purchases. Take away your ability to do that. Establish a penalty for yourself for it by switching to a card that runs out of money when you hit zero. whether or not this was a jokey ha ha i'm so addicted thread, if this is a real problem, take the step to stop it.
   
Made in us
Regular Dakkanaut





Fortunately I'm not making purchases I can't afford, but it seems I really do have an impulse buying problem (when it comes to warhammer) And if I do let it continue, then I probably will end up making purchases I can't afford (ie spending bill money or missing card payments).
My credit card already doesn't let me spend more money than is on it and same with my bank and I prefer it that way.

We're gonna need another Timmy!

6400 pts+ 8th
 
   
Made in us
Irked Necron Immortal





Michigan

simple fix, you said almost none of it is painted soo.... PAINT for both you and your opponents sake. Nobody likes setting up against a sea of grey.

instead of buying PAINT. much easier to buy, you have to have some dedication and initiative to paint.

Necrons - 6000+
Eldar/DE/Harlequins- 6000+
Genestealer Cult - 2000
Currently enthralled by Blanchitsu and INQ28.
DC:80+S+++G+M+B++IPw40k10+D++A+++/eR++++T(M)DM+ 
   
Made in gb
[DCM]
Tyrant of Badab






HATE Club, East London

the_scotsman wrote:
If you're making impulse purchases you can't afford, then you're not going to significantly build your credit by using the credit card. You are literally doing the thing that causes people to have bad credit.

From your descriptions of your army, you do actually have a problem with impulse purchases. Take away your ability to do that. Establish a penalty for yourself for it by switching to a card that runs out of money when you hit zero. whether or not this was a jokey ha ha i'm so addicted thread, if this is a real problem, take the step to stop it.


Using a card, but paying it off when or before it is due helps your credit rating, not hinders it...

BUT...

I don't think your credit rating is the issue here. The issue is spending money you don't have on things you don't need. Honestly, the first step was telling strangers online. The next step is telling a real-life person and agreeing a plan to not keep doing this.

I have the same problem on a smaller scale, so I know how hard it is to stop. (Rather, I probably spend a lot more than you, but have a lot more disposable income, I expect, but the problem is the same at its root.)

I doubt there is a "plastic crack" support group anywhere, but there are generic "addiction" support groups for anything from gambling to drugs to porn to shopping for shoes. That might seem OTT, but could help. It is possible the underlying problem is that the game is awesome, but more likely is the rush associated with the purchase, not the actual item being purchased itself, so a support group for dealing with that sort of rush is a legitimate choice.

http://www.shopaholicsanonymous.org/

Models purchased in 2017: 12
Models painted in 2017: 0 
   
Made in us
Regular Dakkanaut





I keep telling myself that.

"I need to get painting what I already have. So no more purchases until I get at least a good chunk done..."

And then I see a good deal on something that I either have been wanting to add to my army, or part of the army I've been wanting to expand on.

Such as I only had a single Rhino, then a deal popped up for 5 Rhinos for like $50 or that I've not had any TWC in my army at all, then I was able to pick up 6 of them for $40

We're gonna need another Timmy!

6400 pts+ 8th
 
   
Made in us
Tzeentch Veteran Marine with Psychic Potential





You're not an addict yet. Wait till you start grinding resin models down into powder and snorting them.

It's called a thick skin. The Jersey born have it innately. 
   
Made in us
Liberated Grot Land Raida




kaotkbliss wrote:
I keep telling myself that.

"I need to get painting what I already have. So no more purchases until I get at least a good chunk done..."

And then I see a good deal on something that I either have been wanting to add to my army, or part of the army I've been wanting to expand on.

Such as I only had a single Rhino, then a deal popped up for 5 Rhinos for like $50 or that I've not had any TWC in my army at all, then I was able to pick up 6 of them for $40


Deal hunting is definitely the biggest pitfall to me (and many others) and to me, the core of the matter was just...thinking about why these deals exist in the first place, lol.

I put a ban on myself buying anything time-gated a year ago - instead, I created a list of "things I would purchase for my armies". When I complete a paint project, I go to the list, and look around for it. I do check ebay, barter sites etc first, but if they don't beat the discount I get from my local store (and they rarely do) I just buy it there.

It keeps me from spending more to get more models I don't necessarily need, and it keeps me from starting new projects impulsively because I don't even consider something if it hasn't been on the list of "things I would want/need" for less than a few months.

Of course, it does mean I end up with a lot more armies on the shelf or casual-only as I no longer buy models to correct problems with my lists. As soon as I finish these Kairic Acolytes on my table (I sorely underestimated how long it would take to do a good job on 20 very detailed models....curse you for being so swole, tzeentch cultists! would it kill you to wear nerd-robes?) I'm finally going to be able to get around to getting a couple transports for my Genestealer Cult, who are 0-5 in the new edition so far.
   
Made in us
Regular Dakkanaut





Well fortunately at this point, I now have a little bit of everything for my army so holding back from impulse purchases will I pray, be a lot easier.

And I really need to get these suckers painted!

We're gonna need another Timmy!

6400 pts+ 8th
 
   
Made in us
Liberated Grot Land Raida




kaotkbliss wrote:
Well fortunately at this point, I now have a little bit of everything for my army so holding back from impulse purchases will I pray, be a lot easier.

And I really need to get these suckers painted!


Then just put a ban on buying anything for a while. No purchases besides the occasional paint. Don't even plan for purchases, or look at sites for buying stuff. The "paint time barrier" is one reason this hobby works so well for me when other collectible hobbies were so damaging for my wallet - it's not like a card game where I can open the pack, get that endorphin rush, and put them in a box and start to want to buy another card pack.

If I didnt have to devote a solid couple hours to each new mini...jeez, I'd be spending all my money.
   
Made in us
Sword-Wielding Bloodletter of Khorne






I had my whole army painted back at gencon. Then I spent over $500 on more stuff, then I spent some more when I got home....and a little more after that....I eventually decided I had more than I needed and I needed to paint it. I have been drudging through painting everything I recently purchased. I've gotten quite a bit done already but still have lots to do. I've even told myself that I won't play any more games until I'm done painting most of it. That's given me quite a bit of motivation to get it done. Plus I love playing with a fully painted army.
   
Made in gb
Stern Iron Priest with Thrall Bodyguard



UK

First question why a drop pod?

Second WHY A DROP POD???
   
Made in us
Courageous Space Marine Captain






I personally have an addiction to sales

and miniature market is my drug dealer. :X

 MagicJuggler wrote:

"I like my codex like I like my women: 10 years old and nearly dead."
-Dark Eldar players prior to 5th Edition.
 
   
Made in fi
Longtime Dakkanaut





the_scotsman wrote:
kaotkbliss wrote:
Well fortunately at this point, I now have a little bit of everything for my army so holding back from impulse purchases will I pray, be a lot easier.

And I really need to get these suckers painted!


Then just put a ban on buying anything for a while. No purchases besides the occasional paint. Don't even plan for purchases, or look at sites for buying stuff. The "paint time barrier" is one reason this hobby works so well for me when other collectible hobbies were so damaging for my wallet - it's not like a card game where I can open the pack, get that endorphin rush, and put them in a box and start to want to buy another card pack.

If I didnt have to devote a solid couple hours to each new mini...jeez, I'd be spending all my money.


Yeah. That's the great saver in this hobby that keeps price relatively reasonable. Keep yourself PAINTING unpainted models and then buy more stuff. That way you avoid that impulse buy that lasts very short time. Painting unit takes quite a bit of time so if you keep painting you have less need to buy all the time.

Now albeit that can be problematic...Need to get better at it!

Moral issue comes with stuff you get alongside the stuff you really aimed for Like sisters of silence(10) I have from burning of prospero boxes. I got those for the space marines! What to do with sisters? Don't feel like selling them either...But they sure aren't top of priority...ARGH!

This message was edited 1 time. Last update was at 2017/10/27 16:13:19


”Buddhism doesn't tell you what is false and what is true but it encourages you to find out for yourself.” ~ Chogyam Trungpa ~ 
   
Made in us
Liberated Grot Land Raida




tneva82 wrote:
the_scotsman wrote:
kaotkbliss wrote:
Well fortunately at this point, I now have a little bit of everything for my army so holding back from impulse purchases will I pray, be a lot easier.

And I really need to get these suckers painted!


Then just put a ban on buying anything for a while. No purchases besides the occasional paint. Don't even plan for purchases, or look at sites for buying stuff. The "paint time barrier" is one reason this hobby works so well for me when other collectible hobbies were so damaging for my wallet - it's not like a card game where I can open the pack, get that endorphin rush, and put them in a box and start to want to buy another card pack.

If I didnt have to devote a solid couple hours to each new mini...jeez, I'd be spending all my money.


Yeah. That's the great saver in this hobby that keeps price relatively reasonable. Keep yourself PAINTING unpainted models and then buy more stuff. That way you avoid that impulse buy that lasts very short time. Painting unit takes quite a bit of time so if you keep painting you have less need to buy all the time.

Now albeit that can be problematic...Need to get better at it!

Moral issue comes with stuff you get alongside the stuff you really aimed for Like sisters of silence(10) I have from burning of prospero boxes. I got those for the space marines! What to do with sisters? Don't feel like selling them either...But they sure aren't top of priority...ARGH!


I don't buy box sets unless I want absolutely everything in the box. Otherwise, I just buy the parts I want aftermarket.
   
Made in us
Regular Dakkanaut





hobojebus wrote:
First question why a drop pod?

Second WHY A DROP POD???


Never had or used a drop pod before. And to be able to plonk a storm bolter or deathwind launcher just about anywhere at any time on the table with a fresh squad seems like it could be useful

This message was edited 1 time. Last update was at 2017/10/27 16:29:40


We're gonna need another Timmy!

6400 pts+ 8th
 
   
Made in us
Calm Celestian





St. Louis, Missouri USA

kaotkbliss wrote:
I keep telling myself that.
"I need to get painting what I already have. So no more purchases until I get at least a good chunk done..."
And then I see a good deal on something that I either have been wanting to add to my army, or part of the army I've been wanting to expand on.
Such as I only had a single Rhino, then a deal popped up for 5 Rhinos for like $50 or that I've not had any TWC in my army at all, then I was able to pick up 6 of them for $40


There's always another good deal down the road... You aren't missing out on anything. I'm sitting on 2k of unpainted still on the sprue KDK. I want to start a GSC army, but I won't let myself until my Khorne is painted.

 Desubot wrote:
I personally have an addiction to sales

and miniature market is my drug dealer. :X


I live in STL and get to pick up everything from MM at the store.

3200
2100
1000
900 
   
Made in us
Regular Dakkanaut





I'm going to force myself, no more purchases! At least, not until my card is completely paid off.

I've got 3 bids going currently on ebay, but that's money I have set aside in my bank and I'm not going to use my credit on those. I also have my bid set at the most I'll pay (which is actually lower than what those units usually go for so I'm really expecting not to win any of those auctions) so if it goes over that, then I don't get the item and that money will go for an extra 3rd payment to my card this month.

We're gonna need another Timmy!

6400 pts+ 8th
 
   
Made in de
A Crystal Tree in the Dome of the Seers






Hamburg

40k. It costs your time, it costs your money, it costs your life (wife).
You can't get out of the spiral.

Former moderator 40kOnline

Lanchester's square law - please obey in list building!

Illumini: "And thank you for not finishing your post with a "" I'm sorry, but after 7200 's that has to be the most annoying sign-off ever."

Armies: Eldar, Necrons, Blood Angels, Grey Knights; World Eaters (30k); Bloodbound; Cryx, Circle, Cyriss 
   
Made in us
Calm Celestian





St. Louis, Missouri USA

 wuestenfux wrote:
40k. It costs your time, it costs your money, it costs your life (wife).
You can't get out of the spiral.


I have a buddy who is currently being forced to sell 40k stuff to pay for his divorce... Irony in action.

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2100
1000
900 
   
Made in us
Regular Dakkanaut





Yeah, I definitely need to stop before that happens :O

We're gonna need another Timmy!

6400 pts+ 8th
 
   
Made in fi
Longtime Dakkanaut





the_scotsman wrote:
I don't buy box sets unless I want absolutely everything in the box. Otherwise, I just buy the parts I want aftermarket.


Pretty sure all the miniatures minun sisters of silence would add up to more than the box set fully costs. That's still 3 squads of marines, 2 HQ and custodians.

Plus not that they are COMPLETELY useless. Just not on priority. I would probably get them later anyway so...

”Buddhism doesn't tell you what is false and what is true but it encourages you to find out for yourself.” ~ Chogyam Trungpa ~ 
   
 
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