Stupid Credit Cards...

illinoisgolf99

Well as a few of you know, I was PLANNING on splurging on a couple boxes of cigars for my 21st birthday, but alas, the little money I do have will be going towards paying off my credit card. It's sad to think that I have to limit my cigar budget. So this got me thinking, how do you guys budget your money for buying cigars? Being a full time college student and not having a job, I should have known that my cigar collection would burn a whole in my pocket..

sightunseen

MrMoke

xmacro

KCW

illinoisgolf99:

Well as a few of you know, I was PLANNING on splurging on a couple boxes of cigars for my 21st birthday, but alas, the little money I do have will be going towards paying off my credit card. It's sad to think that I have to limit my cigar budget. So this got me thinking, how do you guys budget your money for buying cigars? Being a full time college student and not having a job, I should have known that my cigar collection would burn a whole in my pocket..

First off, let me give you a big peice of advice. If you can't pay your credit card balance off at the end of the month IN FULL. You can't afford what you've charged. Credit card debt is some of the worst debt you can have (second only to owing the Mob). So, once your credit card debt is taken care of, get a Cigar wish list. When you can spare the $$$ get your smokes. When I was building my "collection" I was buying stuff left and right too. You learn what you like and how much you should pay for it over time. Then I take advantage of any "deals". If I want to try something new, I buy a single or do a trade. My $.02

rwheelwright

In reality I just buy what I want. However, with that being said I do acknowledge that I have a cigar buying problem and sometimes I have it under control and other times I don't. When new stuff comes out I want to try them. However, with the amount of smokes I have I have no business buying any more. So, I use the excuse that it's new and I wanted to try it. Other than that, I try and be good now that I have a house.

xmacro

betasynn

I have a credit card I use for rent only, to build credit, but I only use it when I have rent money, and I keep my credit 'balance' at zero. I use my debit card for most things, because I like the idea of tangibility. As far as budgeting goes, I am also a full time college student, and work 40 hours a week. I try to limit myself to 1/3 my paycheck every two weeks, as I have a scholarship to cover my tuition, and an award that covers housing.

rossdavey2

zeebra

sirfoster83

Joeyjoe21_8

nj has bad property taxes..but cali is getting worse by the day....now we have a tax for sugary food, you want a soda, extra .10cents of tax....want a plactic or paper bag for your grocerys, extra 10cents of tax again....on top of that property taxese took another hike along with income tax did to. its insane! lol. but pay your credit cards off in full. keep them paid off and only buy cigars when you have EXTRA money. simple as that

stephen_hannibal

Russ55

I just don't buy anything anymore. Unless the deal is too good to pass up. Or I'm smoking at the local B&M all day, and then I buy a few sticks to support them. I've got two desktops and two coolers more or less full of sticks I like, and I don't smoke that often, so there's really no reason for me to buy unless the previous criteria are met.

phobicsquirrel

KCW:

illinoisgolf99:

Well as a few of you know, I was PLANNING on splurging on a couple boxes of cigars for my 21st birthday, but alas, the little money I do have will be going towards paying off my credit card. It's sad to think that I have to limit my cigar budget. So this got me thinking, how do you guys budget your money for buying cigars? Being a full time college student and not having a job, I should have known that my cigar collection would burn a whole in my pocket..

First off, let me give you a big peice of advice. If you can't pay your credit card balance off at the end of the month IN FULL. You can't afford what you've charged. Credit card debt is some of the worst debt you can have (second only to owing the Mob). So, once your credit card debt is taken care of, get a Cigar wish list. When you can spare the $$$ get your smokes. When I was building my "collection" I was buying stuff left and right too. You learn what you like and how much you should pay for it over time. Then I take advantage of any "deals". If I want to try something new, I buy a single or do a trade. My $.02

yeah very good advice.

j0z3r

Ok, looks like I'm the only one here, but I hold up school kids at gun point and take their lunch money and that becomes my cigar money. It's a little messed up I'll admit, I could probably just threaten them with a large stick for the same result, but what happens when one is packing heat?

illinoisgolf99

thanks for all of the responses guys.. I'd like to clarify something though because I don't want you guys to think I'm some irresponsible guy or anything like that :P I pay my credit card off every month, usually a week before the end of the billing cycle, and don't spend more than I can afford. I have no Interest for a few more months since I got my card at the beginning of the year so I haven't had to worry about high interest rates yet, not that I would since I pay off the balance every month. I guess this statement was just a little higher than I thought since I've had to use my card way more than usual.. Groceries, medical bills, perscriptions, etc. just piled up. Plus I used it to buy plants for a landscape job which I get reimbursed for.. so I guess it's not all that bad. I haven't really thought it was necessary to have a budget but I think I'll have to start coming up with one soon. It also doesn't help that CCom's deals are freakin awesome! But seriously, thanks to all you guys for responding, you've given a lot of great advice as always.

kuzi16

Krieg

I have a baby on the way and just put in a fence, so right now I don't HAVE a cigar budget.

Hays

j0z3r:

Ok, looks like I'm the only one here, but I hold up school kids at gun point and take their lunch money and that becomes my cigar money. It's a little messed up I'll admit, I could probably just threaten them with a large stick for the same result, but what happens when one is packing heat?

Hahahaha....you need a gun... I just growl at them, and they run screaming so quickly their money is left in the dust.