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How do you afford it?
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Dec 25, 2015 08:09:27   #
Bkh42 Loc: N.I. UK
 
SDB777 wrote:
Pretty much as the title suggests....."How do you afford it?"

And this isn't all about gear envy, it's time for a long overdo upgrade. I'm running a camera from 8+years ago, with a buttload of shutter accuations. Photo's are no longer crisp coming out of the camera, so I'm guessing 'junk' has moved inside and my images are a waste of time to take.....and looking at the value of this unit, it is not worth sending back to be re-furbed. The lenses are still good(I put them on a different body and they work great).


Not rich. Not even well off. I have two jobs, one is full time 40hrs/week, other is depending on weather and customers needing my services, but when I am doing this....35-45hrs/week added. Disposable income is low, and I'm trying to save for retirement too.
The camera I would like will use the lenses that I have already, but dang...$$$$.$$ price tag and I'd need a metabones too! And that is a used one with X,XXX shutter accusations!

Don't get me wrong, I'm all about eating peanut-butter sandwiches in order to save some cash to make the purchase....I just don't want to do it for three years.


Did you wait for that relative to die?
Did you win the lottery?
Do you have 'babes working the corner'?



So, tell me your secret plan....please?!?!




Scott (don't want to go to prison) B
Pretty much as the title suggests....."How do... (show quote)


IMHO. My best camera to use has been Nikon d40. A cracker of camera

Bkh42

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Dec 25, 2015 08:57:08   #
bigwolf40 Loc: Effort, Pa.
 
SDB777 wrote:
Pretty much as the title suggests....."How do you afford it?"

And this isn't all about gear envy, it's time for a long overdo upgrade. I'm running a camera from 8+years ago, with a buttload of shutter accuations. Photo's are no longer crisp coming out of the camera, so I'm guessing 'junk' has moved inside and my images are a waste of time to take.....and looking at the value of this unit, it is not worth sending back to be re-furbed. The lenses are still good(I put them on a different body and they work great).


Not rich. Not even well off. I have two jobs, one is full time 40hrs/week, other is depending on weather and customers needing my services, but when I am doing this....35-45hrs/week added. Disposable income is low, and I'm trying to save for retirement too.
The camera I would like will use the lenses that I have already, but dang...$$$$.$$ price tag and I'd need a metabones too! And that is a used one with X,XXX shutter accusations!

Don't get me wrong, I'm all about eating peanut-butter sandwiches in order to save some cash to make the purchase....I just don't want to do it for three years.


Did you wait for that relative to die?
Did you win the lottery?
Do you have 'babes working the corner'?



So, tell me your secret plan....please?!?!




Scott (don't want to go to prison) B
Pretty much as the title suggests....."How do... (show quote)


If you are interested in Canon go to the Canon store on the internet and look at refurbished. You get the same warranty as a new camera. A lot of folks on this site buy that way including myself....Rich

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Dec 25, 2015 08:57:43   #
BooIsMyCat Loc: Somewhere
 
SDB777

First weekend in Jan - put $1 in a jar.
Second weekend in Jan - put $2 in a jar.
Third weekend in Jan - put $3 in a jar.
Fourth weekend in Jan - put $4 in a jar.

You now have $10 saved towards that new camera. Doesn't sound like much but, each weekend put $1 more in that jar than you did the weekend before. By the end of 2016, you will have $1300 in that jar.

This takes dedication but is used by many to get that little extra $$ at the end of the year.

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Dec 25, 2015 09:04:33   #
MikeMck Loc: Southern Maryland on the Bay
 
So, tell me your secret plan....please?!?!

I am retired, 70 years old, retired when the bank I worked for was sold when I was 64. If I am looking for a new body, I try and get one that will finance it over 24 months. I only have one L lens that I got on Ebay for under $600. I only buy refurbished equipment and try to buy it from the Canon site. I have two bodies, three lenses and they provide what I consider excellent results. The key is to shop around for bargains. Its not necessary to go full frame. Good luck.

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Dec 25, 2015 09:20:53   #
Impressionist
 
Budget and research.

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Dec 25, 2015 09:24:33   #
Tracy B. Loc: Indiana
 
My next purchase will be bought after I sell my 2004 Toyota Celica GT.

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Dec 25, 2015 09:28:47   #
Hacksaw Loc: Pacific Northwest
 
As others have said, it's all about priorities. Every time the talk of furlough comes up at where I work (gov), others always whine and complain that they can't pay bills if they miss even one paycheck on time. My reply is that everyone should be able to save at least $1,000 for minor emergencies. When they say they can't afford to save even that, I tell them that saving $20 per week will net them $1,000 in a year (like bringing your lunch to work instead buying lunches every day). They look at me like I'm crazy.

My approach has been this: I bought the best equipment I could afford as I want it to last a long time. I'm also sensible about what my plans are for the equipment I acquire. I'm not a professional and I will never be. I have a 28mm 2.8 Nikkor and a 16-300mm Tamron lens. As I would like to get longer reach, instead of spending thousands on a new lens, I plan on acquiring a Nikon P900 in the near future to supplement/backup my D7200.

I also put the word out to my kids that gift cards make a great Christmas gift (which I would apply to my future purchases). :lol:

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Dec 25, 2015 09:29:36   #
mikegreenwald Loc: Illinois
 
You made your first mistake long ago. The best way to get all the top of the line photo equipment is to pick wealthy parents :D :D :D :-D :lol:

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Dec 25, 2015 09:32:57   #
inbigd
 
I've bought some decent lenses at estate sales cheap but you have to be careful obviously. I have seen a lot of film cameras but not that many digital ones. If it's during the last few hours of the sale and a lot of camera equipment is still sitting there unsold the staff will be very motivated to sell it. I have bought a 'lot' of lenses (3 or 4), sold a couple on eBay, then ended up with a couple for free.


The other option, which may not be the best, but will get you equipment fast, is to charge it. I guess this is ok if you can afford 25-35 a month but don't have 500-800 dollars available for a purchase.

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Dec 25, 2015 09:33:30   #
Flyerace Loc: Mt Pleasant, WI
 
Every day both of us put our change in an old pretzel jar. No one realizes how much change they waste. If something is $21.02, we take the $.98 cents change and add it to the jar.

We usually go somewhere every 6 months and we convert the change to bills. Like free money.

We average $350 every six months. So save your change and you should be able to pay for your new camera in a year.

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Dec 25, 2015 09:38:19   #
Dick Z. Loc: Downers Grove IL
 
SharpShooter wrote:
Scott, I don't need babes working the corner, they come to ME and pay good money for what I give them! Must be good cause they all keep coming back for more!!!!

777, it's all priorities so stop crying and whining and start prioritizing.
I know guys that drink more beer every year than what I've got in camera equipment.
Others drive a fancy German car or live up on the hill. All those are ok, just their priorities!
You only got to jobs???? Maybe your just lazy.
If I count photography(for which I often get paid) I've got 4 jobs. I wish I only worked 60 hours a week. I'd spend the rest of it laying belly up at the beach drinking beer and up-skirting!!! :lol:
If you can make it with two jobs, get a 3rd and use it only for cameras.
Sounds pretty simple to me!!!! :lol:
SS
Scott, I don't need babes working the corner, they... (show quote)


Quitting smoking, if you do, will give you a lot of cash also.

:) :) :mrgreen:

:thumbup: :thumbup:

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Dec 25, 2015 09:42:13   #
Hacksaw Loc: Pacific Northwest
 
Flyerace wrote:
Every day both of us put our change in an old pretzel jar. No one realizes how much change they waste. If something is $21.02, we take the $.98 cents change and add it to the jar.

We usually go somewhere every 6 months and we convert the change to bills. Like free money.

We average $350 every six months. So save your change and you should be able to pay for your new camera in a year.


Another great way to save. It's too easy to use debit cards instead of cash. Using cash for me makes me think about the purchase since it's taking money out of my wallet. I also don't like carrying change. I have one of those coin jars that automatically counts the amount you add to it. It quickly adds up over time.

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Dec 25, 2015 09:49:09   #
Rongnongno Loc: FL
 
To all who suggest using a CC to buy... Have you lost your mind???

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Dec 25, 2015 09:53:24   #
Howard5252 Loc: New York / Florida (now)
 
Do you really need to come to a website for advice on what should be obvious? Here are a few choices 1- Keep using what you have. 2- Buy what you can afford. 3- If what you want is beyond your means, lower your sights, think about used, start saving for it, or any combination of the three. Does this not make sense?? I did not suggest using a credit card, that would be the most expensive way to go and I would counsel you not to go down that path.

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Dec 25, 2015 09:57:51   #
imagemeister Loc: mid east Florida
 
Rongnongno wrote:
Well, sorry that I cannot relate in some aspect of your life since I basically retired at 35...

The key is budgeting.

When I want something I start a budget, even before looking at anything meaning that when I purchase something I am already planning for the replacement.

The result is that I/we (my wife included) is that we always pay cash, even for the car she purchased 5 years ago.

You will not believe the power of cash. No financing, no extra cost, no interest, no monthly payment. Basically no pressure exists in life.

You seem to be well, off so what do you know? Well, we started hand to mouth but early on after seeing that we created a spreadsheet to see where our pay was going, to the penny. The result was telling: we were spending too much in stupid stuff*.

We put a hard stop to that, took two years.

After that we started looking at other expenses and started killing them, one at a time. We do not drive in new expensive cars, in fact two are antiques. We do not have a 'fancy' house. We live simply within our means.

Still we budget everything, vacations, purchase common or individual and move onto it only when we can pay.

So, you want a 'How'?

Observe your spending habit.
Kill what is unnecessary.
Retire your debt
- Stop using credit cards that have a running balance
- Kill all store credit cards, even if you pay them in time. Seeing your cash flow through your hand will slow your spending, trust me.
- Consolidate your payment into as few as possible (best is one, a personal loan at 8~12% is much less than 19 to 22%)
- Kill all but two credit cards and place these two under lock and key so as not to use them
- Pay off the higher interest bearing debt first
- Always pay more than the balance due
- Pay your monthly obligations (rent, stuff like that)
- Pay yourself (retirement, saving for whatever)**
- Budget your daily/weekly/monthly expense (food, hair cut, whatever)
- Never pay full price, there are always promotions, rebates and stuff like that. Thrift shops often offer some surprisingly good deals. Specialty stores that sell about to expired food item often sell for pennies over a $, huge daily savings there.
- At the end of the month place the positive balance toward paying your debt in addition to what you have already paid. Do not wait for the due date to that by the way, the balance is accrued every day so the earliest you do the less interest.

All this will not make you rich but will have several positive impacts in your life:
- You are back in control
- Your self appreciation will go up (the most important in my opinion)
- You will find yourself in a situation where you can actually afford things from time to time
- The closure of credit and store cards will raise your credit worthiness
- A single payment on a personal loan will also raise your credit rating (ratio income/debt+obligation)
- In the end, if you are able and consistent in following this 'advice' you have taken healthier habits that will last the rest of your life.

There is really no secret to 'how'. Just discipline and self control and stop paying the damned banks. The whole capitalist system is geared toward spending on credit, fight back.

For anyone reading this: YES I am a cheapskate.

Edit: Something that will demolish the cheapskate issue... If you really want something purchase the best possible for your budget. This maybe more expensive in the short run but in the long run, you save $$$.

-----
* Neither of us smokes or drinks so other stupid stuff like not paying attention...
** Why pay yourself instead of paying your debt? Because once you have enough you can do something for yourself and this what is is all about. You should not work for a bank but for yourself. Think of #1 (You).
Well, sorry that I cannot relate in some aspect of... (show quote)


Wow ! - the most sane and lucid posting I have seen by you ! ( meant to be a compliment ) very impressive.

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