Reptile Hobby Related Debt

[daniel1983]

A post in another thread got me thinking about this subject, so I wanted to do a poll and get everyone's opinions. It will be not be public, so no names will be shown unless you want to make a comment.

I have bought reptile related things 'here and there' using credit cards, but never to the point that I couldn't pay off the charge in a month or two. In most cases, I charged because I was too lazy to get to the bank and get the cash

[Broseph]

No debt here, if i see a snake or something i want, and i dont have the money then oh well, i'll save for it, but if it sells by then i'll have the money for a different one..lol

[Stewart_Reptiles]

Yes I do use my credit card however it is used for security purposes only, and paid off entirely each month, so no, no debt here either.

[fishmommy]

no debt!

hobbies and entertainment must be paid for up front in our household, and are the first to get nixed if money gets tight.

[SPJ]

No debt. All my animals and caging is paid for.

I just save up or trade for what I want.
No point in going into debt to get something.

[PythonWallace]

I saved up enough to pay for all of my snakes, but I spent most of my savings that I hadn't needed to touch in years. As soon as I had all my new snakes I started having all kinds of unforseen problems that has left me $4k in debt and without a vehicle. Now my heat went out last night in my condo, so I'm off to HD for a few space heaters before my snakes start cycling. 2007's looking like it's going to be a hell of a year.

[mlededee]

ouch. well let's just say that in the past i certainly racked up some reptile related debt. i don't really know how much nor do i want to know.

there was a period of about a year when i used credit cards for a lot and just kinda let it get out of control. STUPID thing to do. it is all paid off now and i cancelled all of the credit cards in order to avoid letting myself get into trouble again. it seems so simple--just don't charge stuff, but once you start it is just SO easy to keep doing it.

[Spaniard]

I'm in some pretty bad debt right now, but I don't think there is any college kid out there paying his own way that isn't. Most of my supplies have gone on credit cards, my last two snakes I purchased in cash. Its definitely temping to buy a snake everytime I free up some room on those cards. I need to get my debt under control, has gotten a little bad but hey, pay on time and you're in the clear.

I've made a vow to myself not to breed until they're all paid off. I've got my collection up in size, and a few females to raise up into breeding size so I have more than enough to keep me busy until then.

[firehop]

WOW....there is one of us that put $20,000. I pay in cash otherwise I would have that $20,000 too!!!! I am so glad I cut most of my credit cards...LOL

[TekWarren]

So far I have only purchased what I can pay for in full, I've never even done a payment plan. My fall-back for regulated spending is my wife I don't have all that many actual morphs: 1.1 YB 1.0 pastel are the only "visuals" the rest are hets or normals. I've come to the conclusion that I can be content with what I have and take one step at a time even if it takes a few years with some hets to get what I want.