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 Three in a Bikini
Posts: 2035
 
| Great title eh?
Recently I have fallen in love with an expensive saddle.
Now affording this saddle is not the problem. My biggest concern is that it is ~extravagent~.
I do not need another saddle and the ones I own fit/work just fine.
So how do you justify something like this to yourself?
I know I am not the only one in love with fancy shiny things around here!
Do you bite the bullet and say, "I DESERVE THIS BECAUSE I ROCK!"
Or set up some personal goals to reach before spending?
Develop a timeline... like, I will not buy this thing if I dont still love it 3 months from now?
What do you do?
Help me I do not know how to adult very well.
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 The Comeback Kid
Posts: 1564
 
Location: lost in missouri | I am doing this right now with something not near as expensive as a saddle. I am a month and a half into my 3 month wait period. I have a distinct feeling I will be ordering it come March 1st. I am very proud of myself that I have been an adult about it this long. I am spoiled rotten. |
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 Elite Veteran
Posts: 639
Location: God's country...aka TEXAS | If you can afford it, Buy it! You only live once! |
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| If you are financially secure, I say go for it. If you feel like you need to DO something to make yourself believe you deserve it, then set up a small goal to achieve. Lose 5lbs in a month, beat my personal fast time at _____ arena by 2 tenths.....etc and etc.
With it being winter right now, I am finding it TOO easy to splurge on myself. With there being a lack of races to go to, there is extra money in the checkbook that is all too tempting. |
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Expert
Posts: 1343
Location: East Texas | If money is no object and if you end up and buy the expensive saddle, why don't you pass a blessing along by giving one of your other saddles to a well-deserving someone. I can guarantee you that you will get more of a warm, fuzzy feeling from blessing someone than you will from your new saddle! |
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  Witty Enough
Posts: 2954
Location: CTX | a good friend of mine had a great idea, she started putting all the money they won at races in an envelope. So at the end of the season she had a nice amount to get stuff she wanted.
i been doing it for a couple of years now and we have enough to buy a very nice saddle.
Will be ordering a new saddle soon... And am not feeling guilty because I already have the cash in hand. |
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Three in a Bikini
Posts: 2035
| WrapN3MN - 2016-01-18 12:21 PM If you are financially secure, I say go for it. If you feel like you need to DO something to make yourself believe you deserve it, then set up a small goal to achieve. Lose 5lbs in a month, beat my personal fast time at _____ arena by 2 tenths.....etc and etc. With it being winter right now, I am finding it TOO easy to splurge on myself. With there being a lack of races to go to, there is extra money in the checkbook that is all too tempting.
This is my main problem.
Plus if I ordered now the saddle would be available by the time spring races start?!
I just feel like 30 years from now I may end up on some TLC special... "I spent all my money on things that were not necessary". |
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Industrial Srength Barrel Racer
Posts: 7268
| cranky B4 10am - 2016-01-18 2:24 PM
a good friend of mine had a great idea, she started putting all the money they won at races in an envelope. So at the end of the season she had a nice amount to get stuff she wanted.
i been doing it for a couple of years now and we have enough to buy a very nice saddle.
Will be ordering a new saddle soon... And am not feeling guilty because I already have the cash in hand.
I have always done this! |
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Three in a Bikini
Posts: 2035
| cranky B4 10am - 2016-01-18 12:24 PM
a good friend of mine had a great idea, she started putting all the money they won at races in an envelope. So at the end of the season she had a nice amount to get stuff she wanted.
i been doing it for a couple of years now and we have enough to buy a very nice saddle.
Will be ordering a new saddle soon... And am not feeling guilty because I already have the cash in hand.
I really like this idea!
Plus I was keeping track of our winnings this year anyways so I feel more justified doing this.  |
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 I Prefer to Live in Fantasy Land
Posts: 64864
Location: In the Hills of Texas | Kry5ta1 - 2016-01-18 2:26 PM WrapN3MN - 2016-01-18 12:21 PM If you are financially secure, I say go for it. If you feel like you need to DO something to make yourself believe you deserve it, then set up a small goal to achieve. Lose 5lbs in a month, beat my personal fast time at _____ arena by 2 tenths.....etc and etc. With it being winter right now, I am finding it TOO easy to splurge on myself. With there being a lack of races to go to, there is extra money in the checkbook that is all too tempting. This is my main problem.
Plus if I ordered now the saddle would be available by the time spring races start?!
I just feel like 30 years from now I may end up on some TLC special... "I spent all my money on things that were not necessary".
You need to have a savings for the future but you also need to enjoy the present. There are some things I'm sorry I didn't do and spend money on worrying about that what if scenario. Now there are things I can't do so I wish I had spent more on things that I wanted and things I wanted to do but didn't.
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I Prefer to Live in Fantasy Land
Posts: 64864
Location: In the Hills of Texas | When you buy quality you don't lose as much as if you buy cheaper that you end up losing your butt on. Example...When I bought my Caldwell I about choked on what I spent and right now I can get what I paid for it. |
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Blessed 
Location: Here | Nevertooold - 2016-01-18 6:11 PM Kry5ta1 - 2016-01-18 2:26 PM WrapN3MN - 2016-01-18 12:21 PM If you are financially secure, I say go for it. If you feel like you need to DO something to make yourself believe you deserve it, then set up a small goal to achieve. Lose 5lbs in a month, beat my personal fast time at _____ arena by 2 tenths.....etc and etc. With it being winter right now, I am finding it TOO easy to splurge on myself. With there being a lack of races to go to, there is extra money in the checkbook that is all too tempting. This is my main problem.
Plus if I ordered now the saddle would be available by the time spring races start?!
I just feel like 30 years from now I may end up on some TLC special... "I spent all my money on things that were not necessary".
^^^THIS^^^^ |
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 Accident Prone
Posts: 22277
Location: 100 miles from Nowhere, AR | When I buy a new saddle, horse, whatever, I either save up the money or I sell something else to help pay for it. I feel guilty otherwise even tho we could afford it. |
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Three in a Bikini
Posts: 2035
| Nevertooold - 2016-01-18 4:13 PM
When you buy quality you don't lose as much as if you buy cheaper that you end up losing your butt on. Example...When I bought my Caldwell I about choked on what I spent and right now I can get what I paid for it.
You are so awesome NTO. |
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 Friendly horse swapper
Posts: 4122
Location: Buffalo, TX | Nevertooold - 2016-01-18 6:13 PM When you buy quality you don't lose as much as if you buy cheaper that you end up losing your butt on. Example...When I bought my Caldwell I about choked on what I spent and right now I can get what I paid for it.
I want to know how you got all your dogs to sit for the picture??...LOL
Back on topic....I agree with this, buy quality and it will hold it's value. Nothing is getting cheaper.
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 Undercover Amish Mafia Member
Posts: 9992
Location: Kansas | I have buyers remorse if I spent a large amount of money on something.....because I could of used it for something important.
But you only live once!!!! If you like it, get it!!!
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 Hugs to You
Posts: 7551
Location: In The Land of Cotton | Nevertooold - 2016-01-18 7:11 PM Kry5ta1 - 2016-01-18 2:26 PM WrapN3MN - 2016-01-18 12:21 PM If you are financially secure, I say go for it. If you feel like you need to DO something to make yourself believe you deserve it, then set up a small goal to achieve. Lose 5lbs in a month, beat my personal fast time at _____ arena by 2 tenths.....etc and etc. With it being winter right now, I am finding it TOO easy to splurge on myself. With there being a lack of races to go to, there is extra money in the checkbook that is all too tempting. This is my main problem.
Plus if I ordered now the saddle would be available by the time spring races start?!
I just feel like 30 years from now I may end up on some TLC special... "I spent all my money on things that were not necessary".
I'm trying to bite the bullet and turn in a trailer order...............baha........................do I get a used one - or do I get what I finally want because I am older and deserve it...................................... Vonda, help me.............................. |
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Elite Veteran
Posts: 883
Location: Southern Indiana | If you fall in love with an item and you know you'll use it, love it, and will be happy for years then buy it! The main thing is spend the money on what you really want that's going to last for years! Justify it by not buying the "little" things your temped to pick up for a couple months. That's what I did when I bought my new saddle last year. If you don't buy it, you'll always think about it and be sad you didn't. |
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