Credit card binge

iVillage Member
Registered: 07-27-2009
Credit card binge
10
Tue, 02-19-2013 - 3:59pm

I went on a binge this weekend and I am now suffering from buyer’s remorse…I need accountability, so here goes.

 

We purchased our home in August of 2010. It had never been renovated or updated in any way since 1950 when it was built. We repainted almost every wall, refinished the hardwoods and replaced the light switch covers and outlet covers. Over the past few years we have updated the electric panel, added the HVAC unit, fixed the roof over the front entry, and updated the electric meter (as I posted last week). None of the recent changes have been visible improvements on the interior of the home, so I am feeling kind of blah about my surroundings. This weekend I decided that we needed to take care of the light fixtures that have been giving us fits (flickering lights and burning out lights quickly). I really don’t want to burn my house down and the scare with the electric meter has been on my mind. I spent about $300 on new fixtures and put it all on the credit card. I justified the purchases the entire time by saying that the tax refund is on its way. While these were probably needed for the safety of the home, I could have put off the purchases for a month or so while we waited for our tax refund to come through…

 

Old and new fixtures pics below

JenAaron.jpg picture by jen2075


iVillage Member
Registered: 07-27-2009
Fri, 02-22-2013 - 2:17pm

I love that idea Marie! DH will think I have gone mad, but I am going to do it :)

JenAaron.jpg picture by jen2075


iVillage Member
Registered: 07-26-1999
Thu, 02-21-2013 - 11:00pm
Marie, that's brilliant, the idea of an "I'm not paid for yet" tag on everything that isn't paid for. I LOVE that.
Community Leader
Registered: 08-25-2006
Thu, 02-21-2013 - 6:16pm
MV - What a great idea! I love it..... Jen, all is well. Don't beat yourself up.
Serenity
iVillage Member
Registered: 12-31-2010
Thu, 02-21-2013 - 4:13pm

A very nice new fixture indeed! 

Ok, to ease your guilt, why not hang a tag on the fixture that says "I am not paid for yet."  Then when you do pay it off, take down the tag!! LOL 

I am going through the "I wants" really badly.  You gave me an idea for a post.

-MV

#Marie
iVillage Member
Registered: 10-17-2010
Thu, 02-21-2013 - 1:13pm

I would consider that money well spent.  Anytime you don't feel safe or you're worried, anything to take your mind off of it is a good thing.  Pay it off with the tax refund when it comes in if the purchase is weighing on your mind.

iVillage Member
Registered: 10-01-2008
Wed, 02-20-2013 - 3:01pm

Stop beating yourself up.  This was a needed and smart expense.  if you feel terrible, pay it off when the tax refund comes.  You did the right thing in my eyes.

iVillage Member
Registered: 10-01-2008
Wed, 02-20-2013 - 3:01pm

Stop beating yourself up.  This was a needed and smart expense.  if you feel terrible, pay it off when the tax refund comes.  You did the right thing in my eyes.

iVillage Member
Registered: 11-14-2008
Wed, 02-20-2013 - 11:05am

Jen the only this this post does is piss me right off. LOL! Just kidding, the fixtures are great, so beautiful. I say pissed off because mine look worse! Can you say 70s!!!! and I just hate them and you post makes me want to run right out and buy some. I do want a new house so I try to tell myself to save money for that instead of getting new things for this house. I need to talk my husband into transfering money into our house account when I feel like this.  I try to remind myself though that i can take things like that with me and I should do a few of those things. Love your new fixtures, enjoy please! Oh and the safety is important too lol!

Avatar for poorboy2011
iVillage Member
Registered: 10-02-2011
Tue, 02-19-2013 - 7:58pm

These sound like necessary repairs. So perhaps you can regard the $300 as a worthwhile investment.

Avatar for mahopac
iVillage Member
Registered: 07-24-1997
Tue, 02-19-2013 - 5:56pm

I can tell you that my DH, whose dad was a self-employed electrician, would NEVER consider that money ill-spent.  $300 on fixtures vs burning down your home?  That's a no-brainer.  Glad you did it!

I felt the same way as you for a long time after we bought our house.  We had to spend $9400 on the roof and another $6800 on drainage in the first two years, just to keep the water out of the house from top and bottom, but it made no difference to the way it looked.  We had lived in it since 1995, bought it in 2005, and weren't able to afford to have new siding put up until 2010 - and you would not believe what it looked like up to that point <shudder>.

Relax about your purchase, and enjoy your new lights!