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Can you afford it?

Discussion in 'iPad 2 Forum' started by sjleworthy, Mar 6, 2011.

  1. sjleworthy
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    sjleworthy Super Moderator Staff Member

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    A few hundred bucks, for the majority of people, is a fairly tall order whether your a kid, a student or an adult in full time employment.

    How are you going to pay for yours? Have you saved? Are you saving? How long will it take? Will the patents surely pay? Will the crefit card take a battering? Will you juat go into debt? Will you sell your posessions? Will you steal? Or just go unsatisfied and sad?

    Personally speaking, even though i've a job, a house and a family, i have got the funds at the ready, but it isnt that easy of course. Family, mortgage and costs of living come first.

    So its a fast savings regime for me. The wife is happy about it but im looking at around a 5 - 6 month wait minimum, and im soooo eager!!!

    Oh well, what else can i do? I'll probably save half then use a credit card.

    Sk what are you doing?
    Last edited: Mar 6, 2011
  2. Seadog
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    Seadog Super Moderator Staff Member

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    I will not be buying one, which is why I will have the money when I do decide to get a new model. It is all a matter of money management or being rich. Since I did not inherit a fortune, I have to be patient.
  3. packaok
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    packaok iPF Novice

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    My wife and I subscribe to the belief that if you cannot pay for something in full 100% at the time of purchase, then you cannot afford the item. This is true for cars, electronics, furniture, etc... Anything beyond a standard mortgage on a home.

    We save up and pay for our stuff. As a result, we actually have money in our accounts instead of charging everything on a credit card and then making payments to the bank every month.

    This philosophy helps us make more reasonable decisions about our purchases. It makes me ask the question "Do I want iPad 2, or will my old one be good enough until iPad 3 or iPad 4 comes out?"

    Personally, unless a disaster happens and my iPad gets broken somehow, I'm holding off for iPad 3. However, to answer the original question, when that day comes, we will simply pay for it in cash because we do not believe in consumer debt.
  4. jhood2323
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    jhood2323 iPad Fan

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    The real decision maker will come for me friday. As i do not for definite if garageband and imovie will work for an ipad 1. If so then its 32 refurb for me
  5. Truck Guy
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    Truck Guy iPF Novice

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    Afford it, yes. Paying cash for this one, no.
    Been saving up CC points and this is a good time to use a chunk of them :D
  6. iPadOhana
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    iPadOhana iPad Fan

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    With my trade in for my iPad 1 "yes", will I "no"...I'm happy with my current iPad...
  7. pencerm
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    pencerm iPF Noob

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    I'm a broke college student, but I really have been wanting an iPad since the first one came out. Luckily, I am a communication/journalism student and have been writing for a sports website for quite some time. With a little begging, I got my boss to pay for $300 of the costs since it is a great reporting tool. I sold off a an autographed Fight Club movie poster :( and now I have the funds to afford the 16 gb model. I am still considering throwing an extra $100 out there to get the 32 gb model though.
  8. iPadOhana
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    iPadOhana iPad Fan

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    I highly suggest you try and do that if you can...64 could be a luxurious overkill, but I think 32 is a great amount of memory...
  9. the_john
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    the_john iPad Fan

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    I've searched around the house and found things that I don't need / want anymore and have sold them to raise the funds. I'm putting it all on the Best Buy card to get the reward points but will be paying it off completely in the first two months.
  10. DontUnderstandMyIpad
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    DontUnderstandMyIpad iPad Guru

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    By spending less than I receive.

    I find that electronic devices half such a short life, that they should only be bought, if I can pay the whole price upfront without stretching myself.

    The other contributing factor is, that I only receive income on a quarterly basis, which means I have to pay a lot of attention to what I spent money on. The first time was hard, but now I am used to watch my money and hold of larger purchases until the end of each 3-month period. I don't earn all that much, but have always money left over.
    Last edited: Mar 6, 2011
  11. Rlarson_mn
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    Rlarson_mn iPad Fan

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    I passed up upgrading my HP 2140 net book and saved the money for this upgrade.
  12. Demandarin
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    Demandarin iPad Addict

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    Great Philosophy!
  13. BearsBairn
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    BearsBairn iPF Noob

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    $100 discount on the original version


    Now that apple has put the original on sale in their clearance area, you might want to think about going that route rather than the ipad2. That way you can get more memory for the same cost as the 16GB ipad2.
  14. sjleworthy
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    sjleworthy Super Moderator Staff Member

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    my parents are like this. we found it a very good way to financially live, but as kids we were never bought anything 'expensive' or cool :(

    i too dont like going into debt, but you can always get an interest free credit card to use. i find this the same ethos as saving up :)
  15. Mike_73
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    Mike_73 iPad Fan

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    +1 for this one. I don't really have to save on it, but I usually ask myself whether or not I really need (or just really badly want) something.
    I still take a look at my account before purchasing anything to see how low my baseline will go if I make a purchase.
  16. tzimisce
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    tzimisce iPad Addict

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    We grew up poor, so habit I've always been frugal, although these days we live comfortably enough to be able to afford most things without worrying about finances. These days the more important question for me is, do I really need this (as opposed to 'want') and the longer I wait, the less I feel the compulsion to spend and in many cases end up not buying at all.
  17. SweetPoison
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    SweetPoison iPad Legend

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    ITA. I don't have one credit card. Love it.
  18. pencerm
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    pencerm iPF Noob

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    I've been back and forth on this now for quite some time.. and I may not make a decision until this Friday. The thing that is preventing me from doing that is that I do shoot some video for my website (press conferences, etc.) and then I do some light editing before posting them to the site. Obviously, my iPhone 4 would do the trick as far as taking the video, but editing and posting them on that little screen kind of sucks. Plus, my horrible mindset towards every electronic in this world is that if it isn't the newest out when I buy it, then I really don't want it. I don't always need to upgrade (i.e. I'm not getting iPhone 5) but when I buy, I get the latest.
  19. Mipad2
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    Mipad2 iPF Noob

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    Saved something

    i didn't buy the Ipad1 (i think the first revolutionary model in most of case is a 'beta') (i have learned this from when i bought the CD-ROM reader for PC at 2x speed)

    i'm not going to buy the Ipad 3 (from 1 to 3 there will be substantial difference, from 1 to 2 and 2 to 3 not enough to justify an upgrade) (but i use this for every kind of tech product)

    what is the sense of buying EA Fifa 2000, 01, 02, 03, 04, 05 a part feeding the industry ? (if i was rich i would do it, because money falls from the sky)

    IF (i had no Ipad at all, going for the 2) i will upgrade or add a second ipad for the family, it will be number 4 or 5

    ps: i forgot to say, from one Ipad X to the next Ipad X there will be more or les 12 months of life, 12 months is 'nothing'
    a tech product should last or get enjoyed for 2 to 3 years at least


    Notice: what i write above is a terror for the big industry leaders (money makers, big % shareholders)
    a message that shouldn't get popular

    :)
    Last edited: Mar 7, 2011
  20. zorah
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    zorah iPad Junkie

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    Since I just got mine in the end of November, for me, simple answer-like Seadog, I don't have to think about affording it as I'm not getting the upgraded one.
    In the case of a tablet-realizing that an upgrade can skip at least a year. I figure, when the battery starts to go on iPad, that's when I will upgrade, as it's not user replaceable anyway and wouldn't be worth the bother of sending in at that point.
    In terms of budgeting-we do a mix. We pay with cash, or a credit, but if with credit, it's usually like the next month anyway. We don't drive late model vehicles and go on fancy vacations, etc.

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