What would you do?

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What would you do?

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Contributor: gone77 gone77
OK, here's the scenario:

You've just received $200 for whatever reason (work bonus, gift, etc.). Your most pressing bills are all caught up for the month, but you've got an old school loan or some other debt that needs to be paid off. Let's say you owe anywhere between $600-$1000.

EdenFantasys has a luxury toy (under $200, of course) that you've been salivating after for a long time.

Do you make the splurge and treat yourself or do you diligently make a payment on your debt? Bear in mind that the debt will not be resolved, but you will be another step closer to paying it in full. But that luxury toy...oh, how you've been lusting after this thing!
08/19/2010
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Contributor: gone77 gone77
I think I'd initially be torn, but I'd ultimately choose to splurge and treat myself. You only live once, right?
08/19/2010
Contributor: PassionQT PassionQT
I'd probably pay on a bill.
08/19/2010
Contributor: Sanjay Sanjay
Quote:
Originally posted by gone77
OK, here's the scenario:

You've just received $200 for whatever reason (work bonus, gift, etc.). Your most pressing bills are all caught up for the month, but you've got an old school loan or some other debt that needs to be paid ... more
I'm boring too... I'd pay a bit towards my debt and hope that gives me some joy and peace of mind
08/19/2010
Contributor: Tori Rebel Tori Rebel
My vote would be to split it in half. Use 1/2 now to pay down the bill and then use the other half, and use a discount, coupon, or save a little more, for the toy.
08/19/2010
Contributor: 00 00
Everyone is entitled to treat themselves once in a while, but being the very practical minded woman that I am, I'd put the money towards getting rid of any debts. I hate to owe anyone. I live as debt free as possible. But that is just me.
08/19/2010
Contributor: Sir Sir
Pay the bill. Never is a toy more worth my money than my debts or bills. NEVER. In fact, the only thing more important than bills and debt in terms of money is food and home.
08/19/2010
Contributor: Kayla Kayla
I wouldn't buy a sex toy. I'd probably pay at least 50% to the loan (that's my usual format with my credit card debt and bonus money), but I usually attempt to do more. Then I'll find something that's cheaper than the toy (at least until the loan is paid off) and get something I'd like with the extra, so I don't feel like I deprived myself.
08/19/2010
Contributor: Carrie Ann Carrie Ann
I'd buy the toy. I'm horrible like that.

(Though, actually, I'd take the money for a weekend at a hotel with a jacuzzi but a treat is a treat, same diff)
08/19/2010
Contributor: usmcwife99 usmcwife99
I would pay the bill....thats just what I would fo if your asking me. And Ime guessing most of the usual users on this site already have a few toys each so its not like theres no other toys that cant do the job.

work and bills first then pleasure
08/19/2010
Contributor: Annemarie Annemarie
Quote:
Originally posted by gone77
OK, here's the scenario:

You've just received $200 for whatever reason (work bonus, gift, etc.). Your most pressing bills are all caught up for the month, but you've got an old school loan or some other debt that needs to be paid ... more
Honestly, I think I'd buy the toy. I figure, if I'll still owe $400-800 on the debt, why not get something I can buy now?

I'm totally indulgent and incredibly impulsive. Sue me.
08/19/2010
Contributor: Jul!a Jul!a
If you already had a plan for the bill that takes care of it in a timely manner, then I see nothing wrong with splurging on yourself with money that you wouldn't have otherwise had.
08/19/2010
Contributor: ToyTimeTim ToyTimeTim
Splurge!
08/19/2010
Contributor: Miss Cinnamon Miss Cinnamon
I would pay it towards the loan. That luxury toy will probably stick around for awhile yet, so I'll buy that when I'm done paying off my debts. I'm simply not comfortable owing money. The peace of mind I'd get from putting the $200 towards being done with that obligation would outweigh the fleeting glee I'd experience after receiving my luxury toy.
08/19/2010
Contributor: Sammi Sammi
I'd probably pay towards the loan, too.
08/19/2010
Contributor: MuffysPinguLove MuffysPinguLove
I would say pay it towards the loan. That way you'll be closer to paying off the debt and when you eventually do you want feel guilty for buying the luxury toy
08/19/2010
Contributor: kck kck
Sigh, I'd pay the loan. And continue to salivate profusely.
08/19/2010
Contributor: Not here Not here
I'd have to be boring and pay the bill. Practicality is my biggest priority at the moment, and until I'm in a position to splurge, I won't. My money situation isn't the greatest cuz my man is in the process of buying the equipment to run a landscaping business, so every little bit needs to be saved. But I figure being frugal and broke now will make our lives much better in the long run, which will mean more drool-inducing toys.. I just have to wait a little longer for them.
08/19/2010
Contributor: Airen Wolf Airen Wolf
(EF Review Program Mentor)
Quote:
Originally posted by gone77
OK, here's the scenario:

You've just received $200 for whatever reason (work bonus, gift, etc.). Your most pressing bills are all caught up for the month, but you've got an old school loan or some other debt that needs to be paid ... more
ACK what a choice...I'd splurge though. I'd justify it somehow but I know I would!
08/20/2010
Contributor: buzzvibe buzzvibe
I'd put the money towards to loan. Boring, I know, but I hate owing money.
08/20/2010
Contributor: NightNight NightNight
I would pay the bill. The guilt and continued stress over the debt would make it too difficult for me to enjoy the toy.
08/20/2010
Contributor: Envy Envy
I'd be too worried about a bill and I'd pay it. Bills come first, at least with me.
08/20/2010
Contributor: gone77 gone77
Wow! Honestly, I was expecting to see more people opting for the luxury toy, but I must say that choosing to pay off the debt illustrates a very good, practical quality.
08/20/2010
Contributor: SydVicious SydVicious
I would use my discount and get the toy... you could maybe take the extra $60 you will save a put that toward the bill. hehe
08/20/2010
Contributor: DeliciousSurprise DeliciousSurprise
My philosophy is that unexpected money should be used for things you enjoy. Work money goes towards bills, but anything that I didn't see coming (a birthday gift, $50 left in an old pair of jeans, etc.) doesn't get spent on practicality. It's gift money, it should be spent on something pleasurable!
08/20/2010
Contributor: Selective Sensualist Selective Sensualist
It is never irresponsible to treat yourself as long as you have met your responsibilities (i.e., being caught up on your bill payments). So, I would definitely set aside a portion of an unexpected windfall to treat myself.

Life is too short and none of us know exactly how long we have to enjoy the simplest of pleasures. Seize every opportunity to (safely) enjoy the simple pleasures that life offers every single chance you get. Bills will come and bills will go -- bills will ALWAYS be there. Again, use some common sense and fiscal responsibility, but remember: you will not always have the opportunity to immerse yourself in bliss. When you draw your last breath, at least you can go knowing you deeply enjoyed your life.
08/20/2010
Contributor: Victoria Victoria
Quote:
Originally posted by Selective Sensualist
It is never irresponsible to treat yourself as long as you have met your responsibilities (i.e., being caught up on your bill payments). So, I would definitely set aside a portion of an unexpected windfall to treat myself.

Life is too short ... more
Great post! I agree. Although, I do sometimes splurge
08/20/2010
Contributor: El-Jaro El-Jaro
I'd prolly just sit on the $200 long enough to blow it on other things while I was debating.
08/20/2010