Guys,
I have created a new competition for myself. My Goal is to buy a G5 System in Late June 2005.
How?
By Saving
I read an article recently that Generation Xs and Generation Ys are very *now* oriented: we want things "now". We're not a patient bunch
. Seeing as spending AU$8000+ now would possibly be doable (but very financially un-wise), I am trying to teach myself better saving habits as opposed to doing either a Salary Sacrifice or Credit Card Purchase...
... Thus my new game: I make additional payments into our home loan (above and beyond the additional ones we already put in), with an imaginary value of 50c in each dollar I put in being "Saved" for the G5. The benefits are:
1. I can go buy my G5 and pay "cash" and not worry about the debt
2. I learn to be a better saver (only over the last two years have I slowly become better at it).
3. I check myself when spending (You start getting very conscious of your spending when it means less gets saved towards the G5). I am particuarly bad when it comes to buying coffee - I could spend significant wads of cash over a month and discover that I have a lot of unaccounted spending and I have really just flushed (pun indented) that money down the toilet.
While I may not quite get to my goal amount next year, I have two get out of jail cards which will offset the final amount I need:
1. An Apple EDU discount (I'm a postgrad student)
2. I can claim a tax deduction (use for educational purposes, some work via VPN etc + depreciation)
Now onto the fun bit
My Goal System is (as at 2004-07-24, this will probably change as the product line changes over the next 12 months):
Dual 2GHz PowerPC G5
512MB DDR400 SDRAM (PC3200) - 2x256
160GB Serial ATA - 7200rpm
8x SuperDrive (DVD-R/CD-RW)
NVIDIA GeForce 6800 Ultra DDL
AirPort Extreme Card
Apple Keyboard + Apple Mouse
Mac OS X - International English
Apple Cinema HD Display (23" flat panel)
AirPort Express Base Station with AirTunes
Notice though I have not specced up the memory or hard drive:- it will work out cheaper to buy these seperately form a local computer store... I will go with an additional of 1 gig of ram for such a rig.
Once a month, I'll post my goal amount %:
July 2004: 1.24% (gotta start somewhere, otherwise you'll never start)
If anyone else is like me and finds it hard to save money, post to this thread and we'll all hopefully encourage each other towards a G5 in '05...
-- Dan
I have created a new competition for myself. My Goal is to buy a G5 System in Late June 2005.
How?
By Saving
I read an article recently that Generation Xs and Generation Ys are very *now* oriented: we want things "now". We're not a patient bunch
... Thus my new game: I make additional payments into our home loan (above and beyond the additional ones we already put in), with an imaginary value of 50c in each dollar I put in being "Saved" for the G5. The benefits are:
1. I can go buy my G5 and pay "cash" and not worry about the debt
2. I learn to be a better saver (only over the last two years have I slowly become better at it).
3. I check myself when spending (You start getting very conscious of your spending when it means less gets saved towards the G5). I am particuarly bad when it comes to buying coffee - I could spend significant wads of cash over a month and discover that I have a lot of unaccounted spending and I have really just flushed (pun indented) that money down the toilet.
While I may not quite get to my goal amount next year, I have two get out of jail cards which will offset the final amount I need:
1. An Apple EDU discount (I'm a postgrad student)
2. I can claim a tax deduction (use for educational purposes, some work via VPN etc + depreciation)
Now onto the fun bit
Dual 2GHz PowerPC G5
512MB DDR400 SDRAM (PC3200) - 2x256
160GB Serial ATA - 7200rpm
8x SuperDrive (DVD-R/CD-RW)
NVIDIA GeForce 6800 Ultra DDL
AirPort Extreme Card
Apple Keyboard + Apple Mouse
Mac OS X - International English
Apple Cinema HD Display (23" flat panel)
AirPort Express Base Station with AirTunes
Notice though I have not specced up the memory or hard drive:- it will work out cheaper to buy these seperately form a local computer store... I will go with an additional of 1 gig of ram for such a rig.
Once a month, I'll post my goal amount %:
July 2004: 1.24% (gotta start somewhere, otherwise you'll never start)
If anyone else is like me and finds it hard to save money, post to this thread and we'll all hopefully encourage each other towards a G5 in '05...
-- Dan