How are you funding your Apple Watch purchase?

[MH01]

I'm preordering and if I don't like it, sending it back.

Suggest saving up, it's not like apple did not give enough time from announcement to launch

 

[SgtPepper23]

i've kept my personal non-essential expenses at a minimum these last few weeks, using my tax refund instead, and working straight through my Spring Break instead of being a normal college student and going out... this watch better be worth it!! i'm 23 and going for the Black Sport with black band(s)

 

[Tar Sniffer]

Anyone who runs a proper budget has a place for every dollar that comes in. Any money that isn't used for bills or necessities should go into savings or whatever.

Therefore, since Apple Watch isn't a line item on my monthly bills, then it would, by definition, come out of savings.

Stop being so judgmental and acting like you have a clue what people mean by "savings". It can mean different things to different people. I'd argue that if you just have money laying around for the Apple Watch, you're not managing your money properly and are therefore worse off than the people you think are making poor decisions.

Perhaps you missed my point. I don't mean to come across judgemental or condescending, I am just genuinely concerned that people are prepared to take on debt 'that may take a while to pay off'. I certainly don't care how people spend their discretionary income or what items they budget for, but to take on debt for a want purchase seems like a serious problem. Believe me, I've witnessed many people go down this route and they suffer for it.

If people think I'm an ******* or communist than so be it.

 

[capitanbuzo]

I managed to get in 30hrs of overtime last month. Using that.

I've done that in about a week, every week, for the last three months.

A. I’ve worked about 120 hours of overtime this month.

Must be nice to not be salaried where you get paid overtime.

As to the topic, I just got some per diem coming my way so I'll use that. Otherwise, just savings or normal income since the definition of those two seem to be of debate in this thread.

 

[mmartinezs]

They're so selfish; why won't they get you the good one? Must not love you enough.

Poor kid

 

[jk4lebron23]

I started saving $20 a week here and there since they announced it last year. So I've already got the money saved up and ready to go. In fact, I went to Kroger and just bought a huge Apple Store gift card. This way, the money will be set aside for the Apple Watch and I can double dip by getting those sweet, delicious fuel points. Gift cards are 2x points!

You are a genius...... Thanks for that reminder on the gift cards and fuel points!

 

[Bazooka-joe]

I am a regular monthly saver and use my salary paid bank account for regular purchases, bills and luxuries. I transfer a fixed amount every month to a savings account and in addition to that, every week I transfer money to my 'toy' fund and over each year that allows me to replace my iPhone and iPad and other gadgets. I have increased payments to my 'toy' fund to cover purchasing the watch.

 

[TimUSCA]

You are a genius...... Thanks for that reminder on the gift cards and fuel points!

I buy gift cards for any large purchase! But just a heads up... the Apple Store gift cards max out at $500. You can obviously buy more than one, but it's worth noting. I'm getting the Sport edition, so <$500 is fine for me.

 

[Fester1952]

Will be going on my credit card, score frequent flyer points, then pay off on the due date. I never pay interest!

 

[djransom]

I was going to purchase this from savings, but my lady agreed to grab it for me for my birthday in July so I'll just wait until then.

 

[rebe1]

My AAPL dividends funds all my Apple purchases, and the rest goes back into more AAPL.

 

[daijholt]

Fortunately, I have enough disposable cash left each month to bank roll an apple watch, but given that I'm now saving for a house (and that my girlfriend would castrate me for wasting money on a watch I don't need) I'll be selling my iPhone 6 and using the money to buy the apple watch.

Crazy you say? Not so.

I'm an Apple Master for my CPW store, so I get a free iPhone 6 anyway # perks of the job and all.

I should really save the money, but you know how it is. If I break even I'm no worse off anyway, so it all works out in the end.