You Don’t Have to Pay To Play

I had a great win on the ol’ eBay the other night.  I meantioned at one point that I downsized all of my photography gear a few years ago and have been using the Canon G15 for a while now. I really love​ that camera but don’t like that it is missing an external mic port and a real viewfinder. 

I didn’t want to buy another camera with detachable lenses so I did a little research and found that the Nikon P7800 had a usable view finder and a mic port. This was the one to have, so I fired up my thinking mill and planned what it would take to own that camera. 

Step one, find out how much it is new and used to get an idea of what is considered a deal. Done. 

New, it was over $600 and we already know I’m not looking for a new one.  Used price was $400, consistently.  So I wanted to find one for under that. But I couldn’t. 

I went to Amazon and paid the $390 to be done with it. Then, just for the hell of it I went back on eBay and happened to see an auction ending soon near $300. I though that if I could win this one for anything less than $400, I’d be saving, so I threw down $316.90 and was immediately outbid. Like a squirrel trying to get out of a garbage can I tried to flip in another bid. I was too slow and lost the auction, at a final price of like $320. I was pissed that I missed that chance to save $80, but just for the hell of it, I looked to see if there were any other auctions going on. I happened to look at the right time, because a guy had just posted his camera for $200,  buy-it-now style, which man’s no auction, you just get it. I thoufht, it must have been for parts or something? That was half the price of what they had been going for. 

Fast forward three seconds and I bought it.  It is home now and doing just fine. We actually recorded a video on it this morning for mother’s day. 

Now my G15 is listed on eBay and has 10 bids on it and two days left at $158. I’m expecting that one to go for around $200, which would mean that I was able to slip right into the camera I wanted, for nothing but a little time and research. I got lucky on this one though. 

I ended up cancelling the amazon order of course. 

The point is to make sure you shop around thoroughly before making a purchase. 

Victim of a Sale, Almost

A few days ago, somebody told my wife that Gander Mountain was going out of business and everything was on sale.  My wife went and scored a few great deals on raincoats for the kids that have been hard to come across, and she picked up a coat for herself. One of those two-in-one coats so she can get rid of a few other jackets. 

I decided I would go check out what they had to see if I could find a deal for myself. I have been wanting to find a coat to replace several for a while now anyway. 

I got there and pretty much everything was at least 20% off. There did appear to be some good deals after all. I went straight to the clearance section and didn’t like the selection they had in my size. I looked at every jacket they had in the place and ended up walking around with two, trying to decide which one to get. I was caught up in the sale-price-moment and was blinded to the point where I forgot that I didn’t have to buy anything at all that day. 

That’s what sales do. They make you feel a sense of urgency. Buy it now or you’ll regret it. 

I wasn’t particularly fond of either of the jackets I was walking around with and realized that I can probably find exactly what I want if I do some more shopping. 

I beat the hell out of the 20% off deal that day by saving 100%. 

Set Your Goals and Timelines

I think that one of the primary reasons people with good intentions of getting ahead fail to do so is because they don’t put time-frames on their goals. If you don’t do this, you could be chasing your goals to your funeral.

Decide if your main goal is to pay off a loan, become debt free, retire early, whatever.  Then, do what I mentioned in Where to Start and get everything written down and calculate how long it will take you to pay off each debt using the snowball principal. There is your timeline. If you aren’t hitting those goals, something is wrong. Maybe life happened, but it’s always going to, so don’t let that be your excuse. If something comes up that saps some of your money unexpectedly, try to find a way to make up that cash another way. Do some odd jobs, sell some of your junk, downgrade a big ticket item, do something. 

You want to stay on course with this and slacking or telling yourself you’ve got time won’t work. Don’t make the mistake of telling yourself you have your whole life to get ahead or that’s exactly how long it will take you to get there.