Ben_Dover
macrumors regular
Please don't finance a device. Use your money in more important necessities. Or save for a cheaper alternative.
Barclays backing out of finance
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Please don't finance a device. Use your money in more important necessities. Or save for a cheaper alternative.
Please don't tell people how to live their lives.
bruinsrme
macrumors 604
Okay, makes sense. We all have our "fun" money. I definitely buy an Apple product or two out of my fun money nearly every year. So far it has been Air 2 and iPhone 6. Now an SS will come this summer. But this is all very discretionary income for me. I guess I would have financed the watch if it was easy as financing my iPhone was. Simple to just have my cell phone bill be a bit higher every month. No extra bill to pay.
Better not let some goon break that hockey stick though.
Can't buy apple care for hockey sticks.
Just for sheets and giggles my wife cut back on going out to eat and instead having gatherings at the house. We saved $16k in a year. We didn't realize how much we pissed away going out to eat.
I do not have money issues, I just want the device sooner.
This month I have spent the money I was going to spend on the SS watch on a Bluray box set and the boxset was priority as it was OOP and hard to get.
Thus I'm getting finance to get watch sooner, and paying it off next month.
Please don't tell me how to do my finances as I live happily and never struggle money wise, I have all bills and rent paid and then I treat myself. I work hard and don't need telling how to live my life
I'm happy with how I do it, and I don't tell you how to live.
bruinsrme
macrumors 604
Not my favorite card.
wolfpackfan
macrumors 68000
Sheesh, people get a grip. What business is it of anyone how you make purchases. I am still trying to figure out from all this mess, if this is the Barclay iTunes card that is canceling orders. That is how I've placed my order. I can't believe the responses in this thread. A whole lot of self righteous people making judgements about total strangers.
Ben_Dover
macrumors regular
I do not have money issues, I just want the device sooner.
This month I have spent the money I was going to spend on the SS watch on a Bluray box set and the boxset was priority as it was OOP and hard to get.
Thus I'm getting finance to get watch sooner, and paying it off next month.
Please don't tell me how to do my finances as I live happily and never struggle money wise, I have all bills and rent paid and then I treat myself. I work hard and don't need telling how to live my life
I'm happy with how I do it, and I don't tell you how to live.
you can pay both then at the same time. Pardon me for the confusion. Sorry if I offended you. I was truly concerned that people will finance the watch so they could get it.
TWO2SEVEN
macrumors 68040
Why are you concerned with how other people manage their money?
Costino1
macrumors 6502a
Wow this thread got off track.
here's my two cents if anyone cares...
I do use credit cards to help boost my credit to a near perfect score.
Per my advisor, I keep my cards (3 credit cards) at a mere minimal level. I am looking to purchase a new house within the year and was told to use my cards and instantly pay them off. I have the funds set aside for my Watch and used my Apple Barclay card (which isn't an easy card to get) to purchase it and immediately pay it off the month it will be due.
Anyways.....
My order is still standing. Used my Barclay Card (apple rewards) and still is pending. Used it on the preorder day 5 hours into it.
here's my two cents if anyone cares...
I do use credit cards to help boost my credit to a near perfect score.
Per my advisor, I keep my cards (3 credit cards) at a mere minimal level. I am looking to purchase a new house within the year and was told to use my cards and instantly pay them off. I have the funds set aside for my Watch and used my Apple Barclay card (which isn't an easy card to get) to purchase it and immediately pay it off the month it will be due.
Anyways.....
My order is still standing. Used my Barclay Card (apple rewards) and still is pending. Used it on the preorder day 5 hours into it.
bunnicula
macrumors 68040
I'm convinced that the people who raise hell over people using credit cards and swear they never use them anymore are people who are a bit like alcoholics who raise hell when someone orders a glass or two of wine at dinner.
It's not my fault they cannot handle their credit cards and now have to pay cash for everything.
Seriously, this is what my mind conjures up during these threads. I realize that some people just prefer paying straight out cash and that's their business, but the people who get all militant are suspect.
Because... who doesn't like cash back and perks? I mean, if I can manage my credit effectively, it improves my credit score so I can get decent interest rates for bigger ticket items like houses and cars.
Where's the bad in that?
I realize that not all people can use credit without continually falling into a hole they can never escape, but plenty of people can. I'm not referring to people that fell on hard times once or twice and dug themselves out, because I know this happens. I'm talking about genuine credit addicts.
Just like drinking. Some people can have a drink or two, and some get plastered if one drop crosses their lips because they cannot stop.
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I agree. They suck. I had one for quite some time that I never really used, but I figured I'd give them a try. After the original use, it was sort of pointless due to the high interest rate so I didn't use it any more. I decided I should probably use it a few times so they wouldn't close it, as closed accounts negatively affect one's credit.
I used it at a couple of restaurants. I think I spent less than 60 bucks.
This triggered them to ping my credit and they saw I'd just opened a couple of new accounts, so they cut my credit limit in half. Idiots. This is exactly what they had on the letter they sent me to inform me of this. I know it was that I used it because the letter was sent out 2 days after the last time I used it (I used it twice while on vacation) and it mentioned me having new accounts (those accounts were over 6 months old). They have some sort of algorithm internally that is averse to new accounts. I opened my new accounts for travel perks and they're better accounts. With the Apple finance only being good the first time you use it (old account rules) why keep the card? Feh. I can use one of my AMEX accounts. Far better rewards.
I closed my account and I refuse to bank with them again.
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I do not have money issues, I just want the device sooner.
This month I have spent the money I was going to spend on the SS watch on a Bluray box set and the boxset was priority as it was OOP and hard to get.
Thus I'm getting finance to get watch sooner, and paying it off next month.
Please don't tell me how to do my finances as I live happily and never struggle money wise, I have all bills and rent paid and then I treat myself. I work hard and don't need telling how to live my life
I'm happy with how I do it, and I don't tell you how to live.
Ignore the naysayers. Your finances are none of their business. Some people always get high and mighty over how other people purchase their Apple devices.
I have NO clue why. It's not like Apple stuff is exclusive or some such. It's a tech gadget, not a private island.
ZombiePete
macrumors 68020
Anyone who really knows how finances work knows that credit used wisely is not something to be feared. Being "frugal" in and of itself is not an example of financial savvy, I'm sorry to inform you.
Ultimately, though, my point was not that frugality is difficult or a bad thing; it's your preposterously elitist attitude about the whole thing, getting judgmental about how others manage their finances. You think being a cheapskate is some amazing newfound monetary philosophy? I've got news for you...
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Haha...good catch. I guess those who don't want us to finance the Watch are advocating stealing it instead.
Anyone who really knows how finances work knows that credit used wisely is not something to be feared. Being "frugal" in and of itself is not an example of financial savvy, I'm sorry to inform you.
Ultimately, though, my point was not that frugality is difficult or a bad thing; it's your preposterously elitist attitude about the whole thing, getting judgmental about how others manage their finances. You think being a cheapskate is some amazing newfound monetary philosophy? I've got news for you...
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Haha...good catch. I guess those who don't want us to finance the Watch are advocating stealing it instead.
I had no elitist attitude you are sorely mistaken. Feel free to trash me any way you like because to anyone that knows me you look incredibly foolish.
I do not have money issues, I just want the device sooner.
This month I have spent the money I was going to spend on the SS watch on a Bluray box set and the boxset was priority as it was OOP and hard to get.
Thus I'm getting finance to get watch sooner, and paying it off next month.
Please don't tell me how to do my finances as I live happily and never struggle money wise, I have all bills and rent paid and then I treat myself. I work hard and don't need telling how to live my life
I'm happy with how I do it, and I don't tell you how to live.
I'm in the UK u can still use the financing option at check out
I ordered my watch on the 10th and got approved same day checked my on line account and my loan agreement is still there and my order is still shown as processing
Ben_Dover
macrumors regular
I'm truly sorry. I really didn't mean to offend anyone. I am under the wrong impression that financing is reserved only for large sums like buying a plane or for people who are unable to pay the house they want at the moment. I erroneously assumed that smaller stuff should just be bought outright. I thought it's such a lengthy and inconvenient way to pay for a watch. You are right it's your money. I'm sorry. I'll show myself out.
jbachandouris
macrumors 603
Although your beliefs are commendable, if more people thought as you did, the economy would grind to a halt. Proper use of credit is not wrong.
A plane or a house? The world would probably be a better place if that is how most of us lived.
kinster
macrumors 65816
He only mentioned a plane to get you to think that he owns one. As you can tell from how he thinks he definitely doesn't.
I think the original poster mentioned that it was at 0% interest. So I guess he's taking advantage of that and using the other money wisely elsewhere.
zmunkz
macrumors 6502a
Can't say fairer than that. most people around here wont step up like that, so, props.
macdaddy86
macrumors 6502
Firstly I hope the OP gets his watch, and others who has taken Barclays finance. Well done to you guys for the clever route of buying your Apple watch.
Secondly, how dare you snobby ***** tell anyone what to do!? People get finance for different reasons, which is none of your business. Showing off that you have a spare 1000 or whatever immediately is just damn right snobby. Start your own thread and try and get it stickies so people look up to you and notice you "STICKY: I just paid in full for my gold Apple Edition - Paupers/finance takers not welcome" this way we paupers who take the finance as you may as well have called us, can avoid people like you.
If you have a phone with a contract (no matter how much you pay initially) you are using your credit/finance. Bet you don't have a pay as you go phone with £/$2000 credit pre loaded? I can't believe some ppl in this thread!
To most ppl (as stated before) the cost per month is minimal and 0% APR or very little % APR and incentives, you'd be dumb not to. The people who pay upfront mostly are decent people who keep their lives to themselves, but the ones in this thread are a joke, thinking they need to change the thread into a grilling session on people who take out finance. It's a 1st gen product, I'd rather pay a small amount per month than pay 1000 or whatever in one go, which would likely put me in debt more than taking finance. But hey, your the one with all the money and debt free lives.
Secondly, how dare you snobby ***** tell anyone what to do!? People get finance for different reasons, which is none of your business. Showing off that you have a spare 1000 or whatever immediately is just damn right snobby. Start your own thread and try and get it stickies so people look up to you and notice you "STICKY: I just paid in full for my gold Apple Edition - Paupers/finance takers not welcome" this way we paupers who take the finance as you may as well have called us, can avoid people like you.
If you have a phone with a contract (no matter how much you pay initially) you are using your credit/finance. Bet you don't have a pay as you go phone with £/$2000 credit pre loaded? I can't believe some ppl in this thread!
To most ppl (as stated before) the cost per month is minimal and 0% APR or very little % APR and incentives, you'd be dumb not to. The people who pay upfront mostly are decent people who keep their lives to themselves, but the ones in this thread are a joke, thinking they need to change the thread into a grilling session on people who take out finance. It's a 1st gen product, I'd rather pay a small amount per month than pay 1000 or whatever in one go, which would likely put me in debt more than taking finance. But hey, your the one with all the money and debt free lives.
bruinsrme
macrumors 604
Really? You know what I do for a living and what my salary is?
macdaddy86
macrumors 6502
Yeah my poor decision would have been to pay £600 upfront, and not feed my family for a few weeks to cover the unexpected drop in income.
Paying finance was the better option for me. I pay an affordable amount per month, which will not effect me or my family what so ever.
Result. I'm not in debt, where I would have certainly caused myself to be in debt paying in full upfront, it's not debt taking finance, seriously, I'm paying for it per month instead of in one, there's no debt about it.
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TallManNY
macrumors 601
Can't buy apple care for hockey sticks.
Just for sheets and giggles my wife cut back on going out to eat and instead having gatherings at the house. We saved $16k in a year. We didn't realize how much we pissed away going out to eat.
That is a lot of eating out.
Me and the GF have been eating at home more in the last six months. We've seen a similar savings I suspect as a ratio of our income (which I assume is less than yours). We are going to get a grill this summer and see if that gets friends to come over to hang in the backyard. Grill might pay for itself in two years is my guess.
bruinsrme
macrumors 604
It wouldn't be out of the ordinary to drop $75 to $120 on an average meal.
Couple drinks a piece ($35), appy $10 and two entrees it apps up quick.
We could do the same thing at home for $30.
We bought a weber silver series, it runs about $900 with the side burner, a turkey fryer for clam bakes.
I grill year round even in the winter.
We have had surf and turf clambake a for 8 people for under $200 and under $40 for beverages.
We have done dinner out dates at friends houses. The visiting people would bring salads and appies. The host would cook the entree and supply beverages.
Great food, company and the best bang for the buck.
Last year we made a commitment to put $100 each week into the Hawaii account, just to see what would happen. Any rebates or cash for computer services or second jobs went into the fund.
It adds up quick.
Between the two of us we are taking 5 vacations this summer.
Unheard of for us.
We have changed the way we go out as well.
Many places you can easily split a meal.
We have split meals with other couples and vice versa. It's fun.
Think about that.
Between an appy, salad and entree it's plenty.
We also go out for appies and drinks.
3 or 4 appies and beverages, can be enjoyed for $50 to $90 for 4 people including tip.
Many creative was to save and still enjoy.