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Very few here will answer " I have my Butler run along and buy them from petty cash in my Trust Fund "
Nobody will answer " If I see a Vintage Gibson must-have I go out on the Rob / Rolex muggings / etc "
I'm happy to be transparent tho ....If it's something I must have I usually kidnap a neighbours wife or children and use the Ransom money to satiate my six-string craving .
So you’ve got zero pedals then.
It means my saved money can stay put in my offset mortgage account.
So taking credit (for me) is not alway a case of affordability it’s what I like to call money management. I’m good at money management!
I’ve funded gear in all sorts of ways in the past though - buying, selling, credit etc. I’m not actively looking for gear now. My recent stats are very good - sold 5 and bought 1.
My personal view however is that is not good money management as I am taking on a debt, unnecessary debt one at that. Even if the overall payment works out the same. I rather have the asset outright, the only exception would be a house.
When I am buying, I would look for ways to put it on my Amex to accumulate points, which do add up and they offer best value return when used correctly.
I'd never do finance or take money out of savings; that way madness lies.
*Obviously not mine but Tinder is a great way to meet new donors friends
I used to teach and do depping work to buy gear, but the last couple of years I stopped that. To be honest not much gear interests me these days....