Crazy for bags!

[carebear]

poppy15:

carebear,


:yikes: u talked to ur bags? :laugh:

Yup. :oops:
I hug them and tell them how lucky I am to be able to own them.
You know my kids are teenagers and sometimes i got no one to talk to.
So i talk in the forum or talk to my bags.......
You think it is :siao: ?

[limlim]

Happy Mama:

In my opinion, it's ok to sign credit card since we may not carry so much cash for big ticket items... but DO pay the bill in FULL at the end of the month. No point paying late charges and interest.

I always go for interest free installment and pay slowly whenever possible. :evil: :evil:

If no interest free installment, then pay in full for the bill.

[limlim]

carebear:

At least that girl save up to buy bag.

The thing is, did she revert to \"normal spending\" after buying the bag? or is it her lifestyle?

If it is her lifestyle, then there is nothing wrong with it.

Rich pple may feel that bring own water and squeezing MRT or buses is very unglam or un-class. But peasants do it all the time, so it is nothing \"un-natural\".

So, if she is the type who don't excessively spend on transport or food, but spends on things that she likes, then it is just different person's lifestyle..

[Augmum]

Happy Mama:

Augmum:

my take is that whether to scrimp and save juz to save up for a designer's handbag or

to spend on credit
are both unwise doings.......
one shd live within one's means......regardless of buying a house, a car or stuff like a designer's handbag.

In my opinion, it's ok to sign credit card since we may not carry so much cash for big ticket items... but DO pay the bill in FULL at the end of the month. No point paying late charges and interest.

Oh….maybe i shd elaborate more on what i meant by “spend on credit”
yes…..nowadays shoppers do not carry so much cash ard.
So it’s a norm to use credit cards……
i meant Overdraft Spending…….spending on future money not current
i know there are some pple who are spendaholic,
charge to ALL cards available and incurred debts, not juz late charges.

[Happy Mama]

limlim:

I always go for interest free installment and pay slowly whenever possible. :evil: :evil:

If no interest free installment, then pay in full for the bill.

Yes limlim, absolutely agree with you! No harm taking advantage of the interest free installment.

[Happy Mama]

Augmum:

Oh….maybe i shd elaborate more on what i meant by “spend on credit”

yes…..nowadays shoppers do not carry so much cash ard.
So it’s a norm to use credit cards……
i meant Overdraft Spending…….spending on future money not current
i know there are some pple who are spendaholic,
charge to ALL cards available and incurred debts, not juz late charges.

No worries, I know what you mean.

[poppy15]

Happy Mama:

Augmum:

Oh….maybe i shd elaborate more on what i meant by “spend on credit”

yes…..nowadays shoppers do not carry so much cash ard.
So it’s a norm to use credit cards……
i meant Overdraft Spending…….spending on future money not current
i know there are some pple who are spendaholic,
charge to ALL cards available and incurred debts, not juz late charges.

No worries, I know what you mean.

i personally know of someone who is like that... haiz... :roll:

[Augmum]

poppy15:

i personally know of someone who is like that... haiz... :roll:

yalor....terrible isnt it?? run into mountains of debts.
overdraft here to pay that...... :shock:

[poppy15]

this person kenna lawyer letter from various banks somemore...


i donch know what else to say... or hw to help... haiz... :sad:

[xueyan]

I am thinking of getting a branded bag.


I have been working all these years diligently and realized that I really did not pamper myself much. As such, i decided that from this year onwards, I will start to spend more and be more relax about savings.

My budget is $1000, what do you think I should get? I know of many brands that easily exceed that sum, but this is the maximum I would pay for a bag…