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  1. #31
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    Usually buy when I get my tax return. If I need something throughout the year it goes on interest free and I pay the balance when I get my tax return; or I make sure I pay for it before the interest free period runs out.

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    blissfulfairy  (08-04-2012)

  3. #32
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    We buy off ebay and fb buy swap sell pages

    Sent from my GT-P1000T using BubHub

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    blissfulfairy  (08-04-2012)

  5. #33
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    Buy outright from savings. If savings is running low, then interest free paid off well before the expiry.

    When DF and I first moved in together we needed a whole house of stuff. We rented a lot from Radio Rentals and I will never, EVER do that again... I'd MUCH rather interest free over inrent! Such a rip off.

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    blissfulfairy  (09-04-2012)

  7. #34
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    While we were building our house we lay by most of the stuff. We had to get everything, also saved us storing while it was getting built.
    We still layby or if cheap enough just buy out right or if on gum tree ect

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    blissfulfairy  (09-04-2012)

  9. #35
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    It depends on the price of the item & how quickly we need it.

    If its under $1000, we usually have enough funds to pay for it.

    If its over $1000, it will usually go on a credit card.

    We've only used interest free once.

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    blissfulfairy  (10-04-2012)

  11. #36
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    DP usually just buys whatever we need. If it's something I really want I wait until tax return and save. Like Witwicky, I would rather go without and save than have some sparkly new thing but not actually own it. I'm really stubborn when it comes to this, I drove a crappy car for a couple of years while saving for a new one so I didn't have to take a loan, I know too many people who have been caught out with an expensive mortgage, car loan, several things on high purchase only to lose a job/fall pregnant/get injured etc.

  12. #37
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    We have used interest free before with no issues. I always work out the payments myself to make sure its paid off in time and then cut up the credit card that they send out. I think a lot of people get into trouble with interest free when they buy more stuff & then run out of time to pay it off.

    I'd rather pay it off interest free than take a lump sum out of our offset account.

  13. #38
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    Wouldn't it end up on your credit rating each time? I'd prefer to take the money out of the account and slowly replace it with what would have been going to the repayments, works out the same without having a new application on the rating.

  14. #39
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    It does go on the credit rating, but I don't think thats a bad thing really as we will always pay it off and its usually under $5k.

    We already have a mortgage, so extra cash we have offsets the mortgage and saves us interest. For someone wanting to get a mortgage it probably would be best to have paid off any loans first.

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    Benji  (09-04-2012),blissfulfairy  (10-04-2012)

  16. #40
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    Interest free only goes on your rating for your initial application.


 

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