Are you in debt because of this hobby?

[Marauderspawn]

Just wondering because I am. I only have one credit card, but I do owe a good amount on it. It is mostly from buying toys and video games. Anyway I don't know if this has been asked before.

[Deansta]

Nope, I only buy things that I can afford to. I treat it as a hobby, not a compulsion.

[Amon]

yep but just a little now. i was way over my head but i am slowly payin off bills and getting back on track.

[THE OCTOPUS]

no i scalp :)

[Sugartank]

I buy all of my "unnecessary" hobbies(toys, video games, etc.) straight cash. IMO credit cards are to be used only for emergencies or for food.

[Tablehead]

I pretty much do everything with cash, so nope~

[Marauderspawn]

It kind of hard for me as I am quite obsessed. I need to get my buying under control before I max out my credit card. I buy online mostly so it is kind of hard to pay cash when using paypal. I use mainly debit and credit as a form of payment.

[bekor]

Nope, I only buy things that I can afford to. I treat it as a hobby, not a compulsion.


It's a Hobby,if u take it over that then u will have a problem,ADDICTED IS A Bad Word for the Hobby

[Dark Leonhart]

Yes

[Mandarin_Spawn]

Nope, I only buy things that I can afford to. I treat it as a hobby, not a compulsion.Same here. If you can't afford something, then chances are you shouldn't be buying it. If I want something and can't afford it, then I save up for it and earn it. A little money put back every week adds up in time.

[Marauderspawn]

I can afford some of it, but I just overdo it sometimes. I end up buying more than I can afford. I always make my credit card payments so I can afford it to some degree.

Same here. If you can't afford something, then chances are you shouldn't be buying it.

[ralph427]

Absolutely not.

[Mandarin_Spawn]

I can afford some of it, but I just overdo it sometimes. I end up buying more than I can afford. I always make my credit card payments so I can afford it to some degree.If you have to put it on the credit card and have to end up making payments to eventually pay for it, then you couldn't afford it in the first place or else you wouldn't of had to rely on the credit card for the payment. It would've just came straight off your debit card same as cash in hand. Credit cards are nothing but trouble in my book.

[theMahl3r]

I'm in debt, but not because of the hobby.

[ChargerChris]

Total money spent for the year 2008 (toys, shelves, videogames, collectibles): $5110.03
--------------------------------------------
January: 409.68..........July: 826.66
February: 1050.66........August: 779.06
March: 590.79............September:
April: 558.93..............October:
May: 445.45..............November:
June: 448.8.............December:

:eek::eek::eek::eek::eek::eek::eek::eek::eek:

[Marauderspawn]

Yeah I agree that credit cards are evil. I do use my debit card as well as my credit card to buy stuff. Let's say I buy a video game for $60 I can afford to pay for that with my credit card. It is just I end up buying much more than I can afford.

If you have to put it on the credit card and have to end up making payments to eventually pay for it, then you couldn't afford it in the first place or else you wouldn't of had to rely on the credit card for the payment. It would've just came straight off your debit card same as cash in hand. Credit cards are nothing but trouble in my book.

[skubasteve]

No, not because of this hobby, but I could definitely use a hand ou... er... I mean bail out.

[Mandarin_Spawn]

Who pays $60 for a video game? Two weeks after it's out you can buy copies on eBay for much less than that...

[Sugartank]

Same here. If you can't afford something, then chances are you shouldn't be buying it. If I want something and can't afford it, then I save up for it and earn it. A little money put back every week adds up in time.

And that's how you got your OWN PLACE right? :p

[Mandarin_Spawn]

And that's how you got your OWN PLACE right? :pCorrect. I make a budget at the beginning of the month so I know what bills need to get paid and when and then after that, whatever is leftover is play money or savings money. :cool:

[yzerman_federov]

No. Plain and simple, if I can't afford it, I don't buy.

[j97e]

I can buy stuff, uless crap happens.. Like 2 hours ago.. Got a speeding ticket, which in this messed up State, that's a minimum of 480 buck down the drain :(

[Marauderspawn]

How much less? Maybe if you wait two months to buy a game not two weeks. Usually the newest games out are between $50 and $60 with shipping. They are even more in stores.

Who pays $60 for a video game? Two weeks after it's out you can buy copies on eBay for much less than that...

[Mandarin_Spawn]

How much less? Maybe if you wait two months to buy a game not two weeks. Usually the newest games out are between $50 and $60 with shipping. They are even more in stores.

W - R - O - N - G . Thanks for playing though. :)

[Sugartank]

Correct. I make a budget at the beginning of the month so I know what bills need to get paid and when and then after that, whatever is leftover is play money or savings money. :cool:

Same here. The most I've spent on figs the last month and a half is roughly $100, damn Halo figs are so addictive. Plus I buy for me and for my 11 year old nephew so technically it's not that bad.

[Marauderspawn]

You never answered my question how much less? I would like to know where you get such good deals. Maybe I will start shopping where you do.

W - R - O - N - G . Thanks for playing though. :)

[Mandarin_Spawn]

You never answered my question how much less? I would like to know where you get such good deals. Maybe I will start shopping where you do. I already told you...Ebay...from the sellers who offer dutch auctions two weeks after the games come out...they want to move them quick and they don't have any overhead to pay so they liquidate them for cheaper than retail outlets. :cool:

[rxsheepxr]

No, I'm not an idiot. Contrary to popular belief.

[Marauderspawn]

I guess I will have to look into that then. How do you find dutch auctions?

I already told you...Ebay...from the sellers who offer dutch auctions two weeks after the games come out...they want to move them quick and they don't have any overhead to pay so they liquidate them for cheaper than retail outlets. :cool:

[Mandarin_Spawn]

I guess I will have to look into that then. How do you find dutch auctions?A dutch auction is an auction where they list several of the same item on ebay all in one auction so people can just buy however many copies they want for the set price.

[Marauderspawn]

Oh I see. I will have to keep an eye out for them then.

A dutch auction is an auction where they list several of the same item on ebay all in one auction so people can just buy however many copies they want for the set price.

[Spawnomite]

I have no problem. I buy what I want.

[oldboy26]

no credit cards. Only spend the cash i have in my pocket.

[Mandarin_Spawn]

I have no problem. I buy what I want.Yeah, but you are rich. :p

[happynoodle]

Nope, I'm only in debt because of medical bills.

[Starfig]

Technically I'm in debt because of my father using up my credit card...so, yeah. That sucks.

[85bengals]

Nope

[mmevile]

Yeah I agree that credit cards are evil. I do use my debit card as well as my credit card to buy stuff. Let's say I buy a video game for $60 I can afford to pay for that with my credit card. It is just I end up buying much more than I can afford.You're calling a piece of inanimate 2 x 3 plastic card evil? When's the last time you ever heard of a credit card come to life, grow arms & legs, grab a knife & stab someone to death? ;) CCards are not evil.......inanimate objects are rarely evil.....people who take action using credit cards are more to blame. :D

[Karnis]

No.
Straight cash, homie.
If you are in debt because of a toy & video game hobby (and you live at home at the age of 30) you need to get your priorities straightened out....real fast. :eek:

[Marauderspawn]

I am in debt for other reasons as well. Who said anything about my living situation?

No.
Straight cash, homie.
If you are in debt because of a toy & video game hobby (and you live at home at the age of 30) you need to get your priorities straightened out....real fast. :eek:

[Spawnomite]

Yeah, but you are rich. :pShhh, keep it a secret.

[Mandarin_Spawn]

You're calling a piece of inanimate 3 x 4 plastic card evil? When's the last time you ever heard of a credit card come to life, grow arms & legs, grab a knife & stab someone to death? ;) CCards are not evil.......inanimate objects are rarely evil.....people who take action using credit cards are more to blame. :D
So you're saying that if I grabbed a credit card and stabbed someone to death with it, then I'd be evil? :confused:

[sprig0701]

I'm in debt because of car payments, mortgage, wife, kids etc. I was collecting most of the series pretty heavly but made a decision to just collect Steelers figs, and the others I have are put away. I don't really even remember what's down there. A lot of Alien and Predator, some later Spawn series, some CC exclusives...aw hell I should just sale em. Oh, and how's the quality of the current series nowadays? The SP's are pretty crappy, especially the NFL wave 2 that just came out. Just check out the sports forum and you'll see a lot of people complaining about them.

[Mandarin_Spawn]

I'm in debt because of car payments, mortgage, wife, kids etc. I was collecting most of the series pretty heavly but made a decision to just collect Steelers figs, and the others I have are put away. I don't really even remember what's down there. A lot of Alien and Predator, some later Spawn series, some CC exclusives...aw hell I should just sale em. Oh, and how's the quality of the current series nowadays? The SP's are pretty crappy, especially the NFL wave 2 that just came out. Just check out the sports forum and you'll see a lot of people complaining about them.Sell me your unwanted figures. :D

[mnbvcxzlp]

Im not in debt, but im 100% broke because of it. luckily i almost have everything i need/want and i can start saving again.

[D2eux]

somewhat, not to the extent of debt tho..

[Salvatore Lucania]

My wife is the one with all the charge accounts. I pretty much can cover all my desires with the cash I make. Too bad I end up paying for my wife's debts, even though she eanrs her own money.

[Mandarin_Spawn]

My wife is the one with all the charge accounts. I pretty much can cover all my desires with the cash I make. Too bad I end up paying for my wife's debts, even though she eanrs her own money.Kick 'er to the curb! :p

[InnerRayg]

How much less? Maybe if you wait two months to buy a game not two weeks. Usually the newest games out are between $50 and $60 with shipping. They are even more in stores.

And how terrible -that- would be, right??

I think Karnis is right, time to straighten out your priorities.

[Kskull2511]

I refuse to get a credit card, even though I have been tempted many times. I only buy what I can afford. If I did break down and get a credit card it would be only for emergencies!


If you have debt from toys, you need to get your priorities straight! ;)

[Kskull2511]

No.
Straight cash, homie.
If you are in debt because of a toy & video game hobby (and you live at home at the age of 30) you need to get your priorities straightened out....real fast. :eek:

Exactly what he said!

[habs98]

I'm in debt period!!!!

[tatoman2525]

If you are in debt due to your hobby, you should consider finding a new one which doesn't involve spending money;) I'm sorry, but it's just a lack of responsibility and priorities on behalf of anybody who is debt over their uncontrollable behavior.

[Masked Moron]

I refuse to get a credit card, even though I have been tempted many times. I only buy what I can afford. If I did break down and get a credit card it would be only for emergencies!

That doesn't factor in the times you want an exclusive or something that is only available online, and the site only accepts credit cards.....

Cases like that, having the cash in hand doesn't do you a damn bit of good. ;)

[Marauderspawn]

Toy and video games are not the sole reasons I am in debt. There are other reasons as well. I agree that changing my spending habits is something I need to do.

[Marauderspawn]

Exactly.

That doesn't factor in the times you want an exclusive or something that is only available online, and the site only accepts credit cards.....

Cases like that, having the cash in hand doesn't do you a damn bit of good. ;)

[Psymon]

You're the guy that posted the topics about his mom whining about you buying toys, right? No offense or anything, but if you're actually in debt because of this hobby I'll side with her...

Anyway, I know how much my bills are each month, so I'll make sure I have that amount on my account, plus an additional €100 just in case. Plus I have a second account with some spare money, that I never really touch. So no, I'm not in debt, and even if I were it certainly wouldn't be because of this hobby.

[Karnis]

Exactly.

Ever heard of a D-E-B-I-T C-A-R-D?

[IxSL4Y4xI]

Just wondering because I am. I only have one credit card, but I do owe a good amount on it. It is mostly from buying toys and video games. Anyway I don't know if this has been asked before.

No, I only spend the money I have. I always set a little bit of money aside for collecting every time I get paid, and that is all I spend.

[big-e]

No way will I allow this hobby to put me in debt. I do use a credit card to pay for a lot of stuff, but that is only because of the convenience of it. Plus, I get a certain percentage back in rewards and all that fun stuff. But I still make sure I have enough money in the bank to mirror the credit card so the whole balance gets paid off every month. There is no way I will ever pay any interest to a credit card company.

[RMC]

I am not in debt because I don't own a credit card but a debit card. I am broke and I have no job at the moment, but I do have some cash in the bank. I live with my parents and I learned to prioritized myself by not using money at all. I have just enough money to buy all the toys I want, but I won't do it. Know why? Because I really don't have a lot of money and I need it for importance situations. I don't want to look bad by being a 22 years irresponsible child and I don't want to be a leech to my parents either. It's bad enough that I am living under their roof and eating their foods, and so by not having a job, I make it up for being a part time college student and helping my parents around the house and being a gentleman to them, listening to them and following their rules.

What make you think I want to be a 30 something years old guy with my mother onto me all the time, nagging me while I put myself into debt? I want to be out by the time I am 30 and I don't expect myself to leech on them.And if I still happen to be living with them in the next ten years and I do hold a job, I damn well better make sure I won't throw all my money away on toys and games and instead use my money to contribute to the house.

[koreapeekay]

No.

[Kskull2511]

That doesn't factor in the times you want an exclusive or something that is only available online, and the site only accepts credit cards.....

Cases like that, having the cash in hand doesn't do you a damn bit of good. ;)

Exactly.

Ummm.That's why banks have debit cards. So you only spend what you have.

Ever heard of a D-E-B-I-T C-A-R-D?

Exactly

[Wrestling Fan]

No I don't have a credit card so i can't really go in debt. I'm also putting myself through school right now (at 19) so I have to bust my ass during the summer to even have spending money at all during the winter. Am I still buying toys? Yes, because I have enough money to buy food first. Food, then toys. That's how I roll :cool:

[rob3291]

yep but just a little now. i was way over my head but i am slowly payin off bills and getting back on track.

Same Here! I only buy what I can trade for other stuff I need or what catches my fancy!!

[Naughty Messiah]

When money started to get tight, I stopped buying crap because basically thats what toys are. Just more useless crap. I've even cut way back on comic books and only spend about 10 bucks a week at the most on them.

So even though times are lean right now I'm not in debt at all. Graduationg in 3 semesters and then I should have plenty of money again... so it's just a temporary setback. :cool:

[Marauderspawn]

I love being in debt. It feels great. The more debt the better I say.

[kramwartap]

I only buy what I can afford with cash--going into debt over toys is a big no-no in my book--gotta be realistic/responsible about my finances, especially in this economy.

[spectre_I]

anyone who is worried about being in debt becuase of action figures has never been injured without health insurance. I need me some socialized medicen for me and the comrads!

[Mr. Wiggity Man]

No, but I don't have any credit cards and don't really want one. I say now it would only be for emergencies but I don't trust myself hehe. But what I do is I just calculate how much is needed for bills and whatnot every time I get paid and take notice of my "play money" limit and try my damndest not to pass it.

[Tandm5]

No sir.

[Masked Moron]

Ever heard of a D-E-B-I-T C-A-R-D?

De-bit? :confused:

He's a witch! BURN HIM!... :mad:

;)

[Spider Man]

I am in debt but not from buying toys or videogames

[Filthyrich]

Partially on my part.Having a credit card bill does not show a sign of irresponsibility like many people make it out to be, if used responsibly it just extends your purchasing power. If i see a good deal for a hard to find or grail piece I take advantage of it.

A majority of my bills aren't just from the hobby though, and the portion that is wasn't spent on 37 different Halo variants. The hobby is more than just the toys themselves, for me it goes into furniture for displaying and my big trip to SDCC every year (which probably makes up a bulk of the hobby's spending when you take into consideration all the non-toy purchasing i.e. food, gas, hotel, parking and let alone adding in the potential income you may be loosing by taking time off from work).

So a little debt doesn't bother me, Im young , working, getting an education and am helping pay a mortgage, I dont mind spoiling myself a little.

[Nash61]

Partially on my part.Having a credit card bill does not show a sign of irresponsibility like many people make it out to be, if used responsibly it just extends your purchasing power. If i see a good deal for a hard to find or grail piece I take advantage of it.


QFT! It helps to build credit. It's someone's choice to live or not live beyond their means.

[Mandarin_Spawn]

I dont mind spoiling myself a little. You go girl! :D

[Filthyrich]

You go girl! :D

:p

[Viking Spawn]

I'm not in debt... But constantly going broke because of it. :o