I have some savings (and absolutely no debt) so I want to keep most of my savings but also get myself something since I rarely buy stuff.
I was thinking of getting a new phone since mine is 3 years old.
I suggest you apply for *lucrative credit cards, set up your cards to auto-pay traditional bills, e.g., gas, electric, home phone/cell, cable/internet, and other regular monthly bills to such a credit card (exclude any bill payments that apply a transactional fee, for instance, I would have to pay $15 bucks to make a payment to my water company using my credit card instead of using my direct bank account).
Remember these bills that autopay to your new credit card are bills you'd already expect every month and that you know your household income will be able to support making such payments. Once set up, then autopay your credit card payment from your checking (or whatever account you normally make bill payments out of). So it's all AUTO. 1) Bills paid by your credit card, 2) Credit Card auto paid from your checking account, 3) You'll rack up points to redeem for cash or if applicable your credit card company might even have said product available for purchase via redeeming your points on their website.
*Such a credit card should specifically be a means to RACK UP "POINTS".
OR
Simply, 1) sell your body for cash on the street, 2) deposit cash-money into bank account via ATM, 3) purchase product of choice, e.g., cellphone (prolly all could be done on the same day, just weather permitting of course) and have stable mailing address to receive product, or 4) schedule a pickup/drop spot and time to complete transaction if mailing address is unavailable.
A sex change.
shareAbsolutely not, I’m still recovering from having to replace the central air unit and furnace back in early summer. Both died about the same time. That was a real kick in the ass!
Since you’ve been so good and disciplined with your earnings maybe you should treat yourself to a new phone. These smartphones seem designed to poop out after three years so you’ll probably have to anyway.
My phone also turned 3 recently, and it's time to get a new one, but I don't need anything fancy so I won't spend much on that.
I'm saving for a guitar, some studio quality condenser microphones, and an audio interface, so basically a home studio.
But home renovations and hopefully, a home addition seem to take this dream away from me. At least for the next 5 years or so.
It’s awesome that you’re a musician, I’m always impressed by that👍
But investing in the property is generally a very good idea if you can make it happen.
A real estate site called Trulia.com can provide you with comps in your area and possibly an estimate on your own place. My home shows up on the site and it’s gone up in price pretty well, even excluding some big renovations inside and out.
I’m not sure where you are or if Trulia is international but in the U.S. it’s a good site for property values, taxes, local crime rates, school systems, etc.
Old age.
shareApart from a bigger house , which i'm not affording anytime soon , I cant think of anything to spend money on , so it just piles up.
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