For posting all the anonymous reactionary bullshit that you can't post anywhere else.
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-What level of treatlerism are you on? - Idk, eating bananas out of season. - Check this out
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62% of high-income earners of over $300,000 a year in the 🇺🇸 United States 'still struggle with credit card debt', according to a survey by BHG Financial. linky
This is how I would interact with hobbies if I was rich I fear
kind of a key move is to just save some bucks before you buy and generally set a monthly cap--based on how much cash actually enters your hands each month which isn't already allocated--for how much you can blow each month on stuff.
probably the majority of costs associated with the financial sector is to induce people not to do this, marketing limited time offers, "0%" financing, no money down, credit card rewards/convenience, etc.
having the cash for the purchase in an account before you buy is like the unspoken, depression-era eccentric grandparent mindset.
its crazy how much one can punch above their weight by doing this, because the buy now-pay later regime of corporate marketing dominates.
there's tons of shit now with small/independents and even franchisees where i inquire about discounts for paying for big items with cash or check and it's like "oh yeah, we can do that!" 3-5% off like a $1000 expense is some real ass shit.
big stores, i think, just can't offer such discounts between credit cards/debit, so acquirer fees are bundled in in all prices, and then part of them are funneled to rewards programs.