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Gucci

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need $ advice
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So our government has given out checks to everyone in the province the tune of $400 in "energy rebates". (Since we make so much money from oil and gas we had a huge tax surplus).


I haven't been shopping all month and I feel slightly overwhelmed by my choices of what to do with my money. Help me...


#1. I need new work shoes. Since I am on my feet 9+ hours a day I need a new pair of something comfortable and durable. This is a must. About $100 or so?


#2. I want a snowboard, bindings and helmet. Everytime we go it costs me an extra $40 in rentals. However if I wait until the end of season (ie March) there might be some good deals. But I don't want to keep wasting the money on rentals in the next two months. (We will probably go atleast 3 more times in Feb/early March =$120 in rental fees). I haven't found anything in my size in used equipment places. Would like to spend $300 but looks like it may work out to be closer to $400. 


#3. Currently have slightly under $200 cc debt. Can pay this off no problem but should I do it now rather than wait until middle of the month when I get paid?


#4. I really want to save (hence the shopping ban) I am feeling very "hoardy", I don't want to waste my free money. Since buying our house have no savings of my own and that makes me uneasy. Also would like to go on a trip next year and need to save for that.


Please give me your thoughts...



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atlgirl


Gucci

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Obviously the work shoes are a priority. I say, do that first.

Then I would...well, I'd be torn on the snowboarding stuff and putting the $$ in your savings. I know how it is when buying a house - we bought ours two years ago and our savings account balance still isn't back to where it should be. But it's unlikely that you will give up / stop snowboarding, so I think maybe you should get the equipment so you don't have to rent anymore. You'll have that equipment, I'm assuming, for several years at least, so it will end up being relatively affordable if you keep going snowboarding that often.

Just under $200 in CC debt? That you can pay off in a couple of weeks? First of all, congratulations on your discipline (and what are you doing on this forum, LOL? I thought we were the poster children for shopping CC debt (kidding)). But really - if your CC debt is that low and you can pay it off in the very near future, then put your bonus $$ to something else.

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Elle


Hermes

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Nothing like free money to bring out the indecisiveness in all of us, huh?


Well, you obviously can't do everything on your list.  I think you really need to whittle it down to your top 1 or 2 priorities.


My opinion is that you should give up saving any of this - that is the point of your shopping ban, yes?  So just use this for shopping and continue to save your own money that you aren't spending on shopping.


A $200 CC debt is going to cost a negligible amount in interest before you get paid next.  Or, you could also pay this debt off with $200 of your 'free' money and then use $200 of your pay check to put with your leftover free money to buy your board/bindings/helmet, saving you a couple bucks in interest.


I think you might be able to do better than $100 for shoes - any specifics (color/style/heel/brand) so we can help look?



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To be yourself in a world that is constantly trying to make you something else is the greatest accomplishment ~ {Ralph Waldo Emerson}
needsfashionadvice


Kate Spade

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I would put $200 on my CC, use $100 for shoes, and save $100 for my trip.

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tara t


Marc Jacobs

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needsfashionadvice wrote:

I would put $200 on my CC, use $100 for shoes, and save $100 for my trip.
i agree with this one...  i think work shoes are super important.  dansko clogs perhaps? 

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