Buy Now, Pay Later--buying Quality Products Without Using A Credit

There are a lot of ways to get around a very tight budget

. A strong budget plan is essential, especially when your income is merely adequate or less! From painful personal experience I can say with authority, CREDIT CARDS are a really BAD idea. However, there are times when needs arise that make waiting for enough cash on hand is very difficult. Several years ago I discovered FINGERHUT. The sign up was easy and painless. The beginning credit line is small but if you make payments on time and keep your account current, Fingerhut will keep increasing your buying power.

They have an amazing amount of products to choose from including many name brand items. Over the years I have purchased a wide variety of items and have never been disappointed about the quality of the purchases.

Their pricing is far considering you are allowed to have the item while you pay a small monthly payment. Some things are almost the same as you would pay in any other store even with the financing privilege and some are considerably higher. The best way to deal with this kind of purchase is:

Be sure you comparison shop before making your decision.

Carefully analyze your budget plan to be sure the 'potential payment' of your new purchase will fit COMFORTABLY into your budget plan. If it will cause your positive cash flow at the end of the month to be 'too strained'...it is best to wait before you buy.

Make sure you consider the cost of shipping. As with most things on-line you decide to purchase, the total cost of the item you are considering for purchase will have shipping charges added. After shipping charges, be sure the purchase is still a good deal for you, your needs and your budget.

If you can avoid time payments, that is your best option to save money. However, when needs arise and waiting is truly difficult (legitimately a real need and not just an impulse buy), then Fingerhut is a good option.

When I was in a position of needing a whole apartment of furniture and appliances, using payments on time became my only real option. I did end up paying more for each item than if I had bought it outright with cash but the items were quality and after paid lasted many years. I bought furniture, TV, washer, and dryer from my local rent to own type store. From Fingerhut I bought coffee pot, vacuum, carpet cleaner, bedding sets and small miscellaneous items.

**With such a good product and so many options it is hard to keep it sensible. I am prone to impulse buying! Warning, warning!!! To help with the 'character flaw', I have learned to use the '3 day' wait period. Whether I am using Fingerhut or the local stores, any purchase over $20 I give myself 'three days' to cool off and rethink. If I am still convinced the purchase is a GOOD decision, I run with it. It works for me. ;)

I hope you take a look at Fingerhut. It has really become part of my life. My friends always love looking through the catalogs they send. A lot of my orders have come with not only their great catalogs, but with a 'Bonus Gift'. The last gift became a Christmas gift for a friend. If it doesn't happen to be something I want to keep, I stash it away and use it for gift giving. That also saves money. Its a win/win!

Fingerhut has been a life saver for me personally for many years now. My budget is sooooo tight the payment plan is a real Blessing and it does help build back credit.

by: pennysnumbers

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