But sometimes (for some people) time is a consideration. Time spent saving, waiting to get the item, and having no use or benefit from said item during the iterim. After two years, the item may be gone from the market or replaced with something different. Products, marketing nowadays is so dynamic. Here today, gone next week.

It's up to the individual to determine if finance cost outweighs benefit gained from having the item.

And if the proce of the item increases while saving your $18 is depleted anyway.

Two fairly legit points, folks.

Never said that I know it all. Although, of ccourse, I figure that if I don't - I come pretty close.

Or that I'd said everything relating to the issue.

Just one point of view with regard to using one's money effectively.

It's your money - do with it as you choose.

And, of course - we all have to live with the consequences of our earlier choices.

Have a happy week - and weekend.

o j

The same old paradigm...spend and consume now, or save and consume later...borrow and pay someone interest or forego borrowing and save yourself some interest.

"Needs" are often really"wants" in disguise and those who are able to suppress them will do better, from a financial perspective, in the long-run; and, maybe, even realize that they really did not need what they thought they needed in the first place. For those who have experience analyzing banks' financial statements, it is now hard to comprehend why their own balance sheets are so strong, while many of their borrowers' are not.

The banks know how to manage money!

Most of us don't.

And TV, whose advertisers want us to spend more than we have, doesn't help.

The schools, who teach very little about money management and other consumer issues, don't help much, either.

It's an uphill grind to convince folks that, as no one cares about their welfare in the use of their money as they, it's to their advantage to learn how to use it effectively.

I was going to say, " ... no one cares about their money ... " - but others *do* care about their money - they want to shift as much of it as possible from the pocket of the present holder into their own pocket.

If the current holder gets good value, and other financial needs, present and future, are provided for, then it may be beneficial to both parties to the exchange.

Just one proviso - many people have been making quite substantialy inadequate provision for funding their retirement.

Filet mignon now may be nice - but if it results in being forced to eat mainly turnips in retirement - not so hot a deal. Or foregoing necessary medicine ... or food, etc. As many, especially women, now are forced to do.

Have a happy, healthy, peaceful, recreating and prosperous weekend, everyone.

When you're retired - every day is weekend.

And I've told a lot of people over the years - if you give me 10% of your income - I'll have you retire early.

Not actually " ... give me ... ", for I've been dedicated to helping people learn how to manage their own money more effectively, and helping them do it, so far as they wish.

ole joyful

Credit cards are a useful tool, if you don't lose your head.

I use them for most everyday expenses. Gas, food, etc. So much easier to swipe my card at the pump than go inside and pay cash. Phooey.

I pay them off at the end of the month, except for occasional large purchases that I might pay off in a month or 2. Don't do that much, tho.

Speaking of 'swipe at the pump'--NEVER use your debit card thusly. You can be wiped out. Just happened at the local Sam's club.