Major Purchase or Major Pain

I would never say that I have practice utmost financial wisdom in my life. In the midst of my non-planning, I still have (mostly) maintained several principles:

  1. Save and pay cash for major purchases – electronics, appliances, instruments, curtains, etc.
  2. Avoid debt, even if it could be considered “good” or “acceptable” (i.e. school loans, car loans, etc.)

My first bachelor’s degree was funded by some major scholarships, thus I was able to graduate debt-free from the University of Kansas. Thankfully, I was warned that the poorest I would ever feel in my new professional life was from the first day of in-service until I received my first paycheck. (Jean, you were right!) Yet, never having been seriously in debt, I never seriously made a plan. I kind of saved, but mostly I would pay the bills then buy what I wanted until my checking account dipped below my “set point” then not spend until the next paycheck.

Not exactly the way to win.
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