So, how did you pay for your camera?

[Ogrt48]

I'm just wondering how everyone paid for their camera.
I just got my Rebel a few months ago at amazon.com for $899 with kit lens. I have a part time job that barely pays for what I need so I had to charge it all to an amazon credit account of mine. :( I just couldn't resist.
Right now I'm thinking aobut returning it but since it's been more than 30 days I'll only get 80% back I love the camera but I just can't take it where I want since it's so big.
I plan on paying it off with money I make on x-mas and tax return money in jan.. Atleast thats what I'm planning to do. :(
Some one cheer me up please :( *cries*
Gotta love making min payments of $24 a mont til then and losing $20 to interest..

[tommykjensen]

Only way :wink: Cash !

[Ogrt48]

Ohh I wish I had that kind of cash. =(

[elbirth]

I'm extremely close to buying a 20D within the next few days (I hope) and I'll be putting it on a credit card and paying that off. I'm a college student with a part-time job working on campus, and I have enough money in savings to pay for it, so I'm seriously thinking about spending the money on that.

[Belmondo]

Debit card --- same as cash.

[Spargo]

Credit card - Get double the warranty then immediately pay it off with cash.

[mickle]

Birthday present from an adoring wife. :D

Mike

[tofuboy]

One thing with credit cards... don't spend money unless you have it unless it is an emergency. Although, some of us might think camera equipment falls in that emergency category :D

I buy my stuff with credit card, then pay off my balance every month.

[Ogrt48]

Thats my problem.. I'm like a girl.. when I want something I charge it. Then I feel bad forever about it. :(
Can't help it...

[elbirth]

One thing with credit cards... don't spend money unless you have it unless it is an emergency. Although, some of us might think camera equipment falls in that emergency category :D

I buy my stuff with credit card, then pay off my balance every month.

haha, yeah I know what you mean. Luckily for the most part I've been able to constrain myself so that I don't buy something with a credit card unless I already have the money in one of my accounts that I can pay it off with. Then when I get the bill for it I pay the full amount so I don't get charged interest.
This has helped me from going on buying frenzies, as well as keeping me out of debt and helping me retain good credit.

[robertdrake]

Also a birthday present from my wonderful wife! :lol:

[ArtierSquare]

You could try ebay...

When you say the camera is too big, is this like a handbag thing?

Or did you want to trade and/or exchange it or ditch the debt? :?

[Digital Prophet]

I paid cash for my Rebel. But the way things are going I am going to have to stand corners to get my next camera.

Hey baby, you want a date?

- Digital Prophet -

[ERamos]

I bought mine from CompUSA, no payments, no interest for 12 months, so I divided the price by 12 and that's what i pay every month.

But, all my other gear i charged to Credit Cards i pay them off every month.

works for me, the wife agrees. :D :D :D

[RoB_m]

grad/christmas present :D

[elbirth]

I paid cash for my Rebel. But the way things are going I am going to have to stand corners to get my next camera.

Hey baby, you want a date?

- Digital Prophet -

or, why not "Hey baby, want your picture taken for a price?"

[briangig]

I have a job.

[Doom1701e]

I will have to sell my plasma every two weeks for the next year, but I got my camera!! :D

[Malaxos1]

I had to sell my D30 and D60 to get the 20D. Now I need to find another backup...Dean

[RoB_m]

donating sperm pays the bills.

[crazyfoo88]

Im only 16, so it took a bit to save up for my rebel, lenses, and accessories. It was all worthwihile though :twisted: I paid in cash of course :o

[Sketcher]

I just save until I can pay for it in cash. It's not glamorous and it often means impulse buying isn't an option; but I weigh my purchases and am certain of my decision when the time comes.

[defordphoto]

Don't leave home without it, and double the factory warranty.

American Express.

[CyberDyneSystems]

I used a thing called "money" :wink:

[eric1]

Debit card --- same as cash.

i'll second that. :)

[defordphoto]

I used a thing called "money" :wink:

Try AMEX. It adds that extra security (double-warranty up to 1 year) and IS the same thing as money as you HAVE to pay it by the next billing date.

Not sure what they do, if you don't...

[sGu]

credit card, debit card, cash ... anything i can use to make up the amount, it works every time!

[Yeager]

I'm a big Dave Ramsey fan so I couldnt use a credit card but my girlfriend bought my 10D for me. :oops:

[timmyquest]

I have a very nice freind who paid for about half of it (my latest camera) on a 0% interest loan.

I bought my Drebel through best buys 12 month 0% interest plan.

People who spend money they dont have are always in debt

People who pay interest dont have the money they spend

People who buy on loans with 0% interest look like this -> 8)

:lol: 8)

[Groundworxs]

:D I got my equipment financed by a leasing company. They payed the camera store and I got the goods. 10D grip 70-200 2.8L Tamron 19-35 2 filters 550 speed lite cf cards and some other goodies. The leasing company charges far less than a credit card. I then started to freelance for local papers. Now I am set up as my own company. You don't even register it ( in Canada) if you call your biz your first and last name. Because I am in biz and leasing my equipment I get to right off %100 of the payments. The payments last for three years at which time you can buy out the equipment for %10 of the original purchase price. I wonder what a three year old 70-200 2.8L would go for on e-bay? Now before you say sure it is easy for you because you live in a big city, my town has 1,700 people the closest large town is half an hour away which has about 36,000. Smaller communities are starving for photographers who can create big city images. 4-6 pictures a month pays for my camera and I get to continue to work my craft. Well this worked for me. I wish you all the best. If you can,t find away to keep the camera don't sweat. You can still find a cheaper digital and still freelance. It is not the camera it is the photographer.

Take good care
Tom

[Jim_T]

Credit card.. I pay for everything I can with my credit card. I have a card that gives me air points :)

I *DO* pay the balance in full every month. There's no interest that way. I've managed to accumulate enough points over the years to fly from Canada to Europe..

[c0ntr0lz]

who said i paid it? heheheh



out of my hard earned money :D

[blinking8s]

i sold a kidney, 3 toes, my hair, all my school books even though i am taking the classes and need them, my car (stereo was worth more ripped out of it) and then delt a little weed on the street corner...although it wasnt weed, just some shredded lawn grass, but oh well...they wont ever know

[BurningArrow]

I sold all my fingers, now I can't press the shutter :cry:

[neil_r]

With my nice black amex card :D

N

[sGu]

With my nice black amex card :D

N

i've only seen a black amex once, was that you, Neil? :wink:

[roanjohn]

cash/debit card...............credit card scares me :? :?

RO1

[photography By Evangelos]

Debit Card. I did not tell the wife. I just do not tell her as she never asks.
But I off set my cost by selling one of my 10D's.


Angelo 8)

[Mills]

American Express. Must pay by next month. Good. Membership Rewards Points. Better. Double the Warranty Period. Best.

[ilya]

amex miles all the time for everything.

[CyberDyneSystems]

I have a very nice freind who paid for about half of it (my latest camera) on a 0% interest loan.

I bought my Drebel through best buys 12 month 0% interest plan.

People who spend money they dont have are always in debt

People who pay interest dont have the money they spend

People who buy on loans with 0% interest look like this -> 8)

:lol: 8)

Men who borrow money from girlfreinds to pay for toys are "bums" that are aslo in debt untill they decide not to pay it back.

I have a lot more respect for those who use credit cards, oh ye judgemental one.

[CyberDyneSystems]

Actually I used "Discover".. (cash back) B&H doesn't take "money" unless you walk in :)

When I said money I meant as opposed to say,.. seal pelts, or 1st born son :lol: :lol: :lol:

[Yeager]

Whoops, I guess I worded my post incorrectly. I don't ever use credit cards, but I didn't have to worry about it for my 10D because it was an anniversary gift from my girlfriend. I didn't borrow her money.

[Mitchkitter]

I just finished an 18 hour shift of consumer electronics retail:|
saving every penny i find on the ground:P

I WILL HAVE THAT 20d BY HALLOWEEN! god damnet

[Mills]

Think I'm with Tim on this one.

[Mogwyth]

My wife paid for my mine on her credit card :)

And she pays the balance of each month :D :D

[briangig]

I have a very nice freind who paid for about half of it (my latest camera) on a 0% interest loan.

I bought my Drebel through best buys 12 month 0% interest plan.

People who spend money they dont have are always in debt

People who pay interest dont have the money they spend

People who buy on loans with 0% interest look like this -> 8)

:lol: 8)

Men who borrow money from girlfreinds to pay for toys are "bums" that are aslo in debt untill they decide not to pay it back.


:evil:

Why must you get so hostile?

My girlfriend wasnt the good friend, nor is that anyones buisness :evil:

Furthermore with the check wrote today, the second check, it is paid off :evil:

well not to get into the mix of things...but you said people who spend money they dont have are bums, but yet you mooch money off a friend, and its ok. I dont see the difference in spending the banks money or your friends, other than the interest.

[hogzilla]

got the 300d put that on a card paid that off now it's time for a lens

[timmyquest]

I have a very nice freind who paid for about half of it (my latest camera) on a 0% interest loan.

I bought my Drebel through best buys 12 month 0% interest plan.

People who spend money they dont have are always in debt

People who pay interest dont have the money they spend

People who buy on loans with 0% interest look like this -> 8)

:lol: 8)

Men who borrow money from girlfreinds to pay for toys are "bums" that are aslo in debt untill they decide not to pay it back.


:evil:

Why must you get so hostile?

My girlfriend wasnt the good friend, nor is that anyones buisness :evil:

Furthermore with the check wrote today, the second check, it is paid off :evil:

well not to get into the mix of things...but you said people who spend money they dont have are bums, but yet you mooch money off a friend, and its ok. I dont see the difference in spending the banks money or your friends, other than the interest.

I called no one a bum and again...though this is no ones buisness, the loaner aproached me not the other way around. I was very reluctant but would have missed 4 weeks of the football season had i waited to have the money in my account.

I'm done talking about this and about | | that close to leaving this place.

[elbirth]

I called no one a bum and again...though this is no ones buisness, the loaner aproached me not the other way around. I was very reluctant but would have missed 4 weeks of the football season had i waited to have the money in my account.

I'm done talking about this and about | | that close to leaving this place.

Just ignore the negativity, and like you said, it's non of their business how you were able to obtain your camera. You simply replied to this thread to give the poster some more input to the info requested and that was it.

[msprague]

I bought my camera with a bonus from work then sold a bunch of under-used stuff on ebay to pay for accessories and a 75-300mm IS USM lens. People will pay good money for useless crap. :)

[elbirth]

I bought my camera with a bonus from work then sold a bunch of under-used stuff on ebay to pay for accessories and a 75-300mm IS USM lens. People will pay good money for useless crap. :)

Yep. I should try doing that with some of my junk :wink:

[timmyquest]

I bought my camera with a bonus from work then sold a bunch of under-used stuff on ebay to pay for accessories and a 75-300mm IS USM lens. People will pay good money for useless crap. :)

Yep. I should try doing that with some of my junk :wink:

I grow too attatched to my junk, i'm a pack rat like none other.

I have a pair of rollerblades that i could get a good $60 out of them at least. I never use them, but i'll be damned if i sell em...what if i get the feeling to go to the park tomorrow?

Problem is my room is so full of junk that it is in a constent state of...mess.

[elbirth]

I bought my camera with a bonus from work then sold a bunch of under-used stuff on ebay to pay for accessories and a 75-300mm IS USM lens. People will pay good money for useless crap. :)

Yep. I should try doing that with some of my junk :wink:

I grow too attatched to my junk, i'm a pack rat like none other.

I have a pair of rollerblades that i could get a good $60 out of them at least. I never use them, but i'll be damned if i sell em...what if i get the feeling to go to the park tomorrow?

Problem is my room is so full of junk that it is in a constent state of...mess.

That's the main thing stopping me from selling things on ebay.... my parents are huge pack rats, and I think it somehow genetically trickled down to me as well to some extent. I logically know that I should get rid of something, but I just can't bring myself to do it in a lot of instances.

[Ogrt48]

Same here, I can never get rid of stuff almost. Even though I know I'll rarely use it and I know that. I always find whatever excuse I can come up with to keep it.

[Axxis22]

with my Best Buy card, which I havent finish paying

[msprague]

I bought my camera with a bonus from work then sold a bunch of under-used stuff on ebay to pay for accessories and a 75-300mm IS USM lens. People will pay good money for useless crap. :)

Yep. I should try doing that with some of my junk :wink:

I grow too attatched to my junk, i'm a pack rat like none other.

I have a pair of rollerblades that i could get a good $60 out of them at least. I never use them, but i'll be damned if i sell em...what if i get the feeling to go to the park tomorrow?

Problem is my room is so full of junk that it is in a constent state of...mess.

That's the main thing stopping me from selling things on ebay.... my parents are huge pack rats, and I think it somehow genetically trickled down to me as well to some extent. I logically know that I should get rid of something, but I just can't bring myself to do it in a lot of instances.

Ok, here's the deal, you're gonna love this. I have more stuff I need to get rid of and since you're all so fond of hanging on to stuff perhaps you'd like to part with some fine American dollars for some of what's left of my under-utilized crap, errrrr, goods! :wink:

[Persian-Rice]

I don't believe in using credit cards aka borrowing money from a loanshark..................

I parted some of the modification from my car, even considering selling it and using the bus with some great glass and a a 1D Mark II in my backpack. Come next spring, I think I will sell it..............

Cheers.

[Deckyon]

I am paying with a cahier's check. I have a shopping list that was my wish list, minus the 24mm tilt/shift lens. 2 cameras, 5 lenses, memory cards (SD and CF), 7 filters (at 77mm and 50mm), new bags, new tripod head w/ 3 extra quick-release plates, light meter and flash and more

$14500 and change after taxes. Settlement came in from a car accident. This is only the tip of the iceberg. My wife said I could spend $15k MAX. The remainder will be filled with paper and ink for my i9100 printer and some framing material and some more lighting strobes.

[Andy_T]

My wife said I could spend $15k MAX.

Sounds reasonable 8)

Great wife!

Best regards,
Andy

[Roach711]

I sold my film camera and lenses (plus some tools, bicycles and some of my coin/stamp collections) on ebay. Took what I made and bought the Drebel.

Da Roach

[waynejgilbert]

G5 - Gift from my wife
300D - Mad money in the cookie jar :)
20D - Debit

[Hatem Eldoronki]

10D: 8-month loan with the credit union ($33 total interest paid)
20D: Cash.

[Perfect_10]

I bought mine with some loose change I found in my pocket .. :lol:

I didn't drive my SUV for a month and bought it with the money saved on gas .. :cry:

My wife gave me the cash to stop me whining about wanting one .. :wink:

I sold one of the kids to white slavers .. :twisted:

Actually, I sold some film camera equipment and added some money from a work bonus to pay for it .. used my M/C and paid it off as soon as the bill came in.

[SENster7]

Wow, so I am the only sucker here who is in debt up to their eyeballs because of this Canon Addiction?

[BearSummer]

Wow, so I am the only sucker here who is in debt up to their eyeballs because of this Canon Addiction?

Dont view it as debt, see it more as constructive bankruptcy, a game the whole family can play.

Mine was paid for over a period of years (about 6) usually with a credit card (which was paid of at the end of the month) because I dont like walking into a shop with a fist full of cash and having to wait for them to count it. Most of it was bought from one shop :) yes they like it when I come to visit.

All the best

BearSummer

[Perfect_10]

Wow, so I am the only sucker here who is in debt up to their eyeballs because of this Canon Addiction?

Up to your eyes in debt .. isn't that the American way :?:

[Deckyon]

My wife said I could spend $15k MAX.

Sounds reasonable 8)

Great wife!

Best regards,
Andy

She is getting a new car out of the deal, and it works out in her favor, money-wise... However, since I do not need a new car, I am MORE THAN HAPPY with what I am getting

[Sugrat]

Yeah strange, I had to buy the wife a new car before I could get my $500 L lense :-)

[scott stokes]

I allways use credit card with skymiles so i can get free airline tikets and go to cool plases for photography.( i take alot of landscapes)

[rodb]

Several parts of my buying plan:

- only buy what I can afford -- my house payment, my kid's college savings, and my retirement savings come before my toys.

- sell what I don't use -- yeah, it is hard sometimes, but it helps to look at that unused stuff as cash. For example, my scuba gear has been untouched since my wife got pregnant three years ago, it takes up a lot of space in the garage, and it probably won't be used until my two-year old is a teenager, so as much as I love diving, it will probably go soon. Also, it just makes me feel good to get rid of clutter.

- buy used when possible -- I've saved a lot of money by having stuff that is not quite brand new. I've also been able to resell stuff I've bought that is fine but just not right for my needs with little loss and little regret.

- when I have to buy new, use my no-annual-fee, cash-back platinum MasterCard to extend the warranty and give me extra protection. I pay the balance in full each month.

- talk to my wife before making any significant purchase -- we give each other a reality check by talking over any purchase over $75 or so. Sounds extreme, but it works, and we both stay happy this way.

All this probably sounds extreme or excessive, but I have never had to deprive myself (I've got skis, scuba gear, bikes, camping gear, etc.), just ocassionally delay gratification. And I look at the money I save as an investement in future play, as I plan to retire early and really enjoy my toys someday.

Rod

[Ogrt48]

It doesn't sound extreme, it sounds smart. I wish I could do it to. I know its the best and all but when I want something I got to have it... >< ARGHHH

[rodb]

It doesn't sound extreme, it sounds smart. I wish I could do it to. I know its the best and all but when I want something I got to have it... >< ARGHHH

No one else can do it for you, but you _can_ do it! Here are a couple things that I have found useful:

- a lot of people feel a letdown after they get that new thing; if you have felt that before, try to remember it when you feel temptation

- saving money is not all deprivation; keep an eye on your bank account balance, and you will probably feel good as you see it go up

- if you slip up, don't let yourself get knocked off track; admit the mistake to yourself, forgive yourself, then resume your good habits

I'm no credit counselor, but there are plenty of them out there, don't hesitate to use one. Good luck!

[friscomgm]

Bought DRebel with cash.

20D came courtesy of loan from loving mother. :)

[billhercus]

If you haven't got the cash - (who has?) get one of the many credit cards that offer interest free introductory period of 6 - 9 months. Divide the cost by 6 to 9 and pay off each month. If you can't afford the monthly amount SAVE UP (remember that?) until you have enough of a deposit so you can.

So there.

Works chaps and you don't feel so ripped off by b***d* banks :lol:

[typer77]

I don't have too much money in my HK acct. I had to get it out of my US account.... along with the Ducati Monster I bought inthe same month. I feel extremely guilty..
I lock myself in the house most of the time now....

[chris.bailey]

Sold some shares that I got as an option from a previous company that went most of the way to paying for a MkII and a 70-200 2.8L. If I had sold them 2 years ago though I could have bought almost twice as much but heh, thats life.

[vchavez]

Selling my BODY ?? LOL

Ohh Well!!! Ok Ok

Selling my old camera body Elan 7e and some cash I saved.

[MazerRakhm]

Wow, so I am the only sucker here who is in debt up to their eyeballs because of this Canon Addiction?

If I didn't live with "Cost Controll" (AKA My Wife) I'd be right there with you! As it was I had to sell most of the stuff I had lying around and figgured I was done with the buy the DRebel earlier this year.

[billsh]

My wife gave it to me for my birthday. Of course she charged it on my credit card, but she gave it to me. :roll:

The credit card bill came in today and we will pay it off as we had money in savings.

[IanD]

Sold my ass..............................no, not Gitzo, his half brother Manfrotto. What do I need two asses for anyway?
:lol: :lol: :lol:

[DeeplyDigital]

-
with a beautiful new credit card that came in the post -
still waiting to sell the 10D and some lenses,
but what the heck, I am happy.
What if I died next week without having experienced this
bliss, now that would be a shame....

J.
-

[MarkH]

Wow, so I am the only sucker here who is in debt up to their eyeballs because of this Canon Addiction?

No I don't think so.

I maxed my credit card 16 months ago to get my 10D + Lenses + Bag + other stuff (memory, spare batteries, etc). I finally cleared the credit card debt at the start of this week.

I have decided to be more patient now though, I will save and only buy on CC what I can pay fully by due date. The interest I save will let me buy more goodies.

[aam1234]

I have a question re: financing. Wouldn't it be cheaper to take a loan from a bank than to finance the purchase w/ a credit card. CC rates could be as high as 30% sometimes a bit more.

[billhercus]

Did not intend purchasing 20D till next spring earliest. Then up comes this company offering it at £1059 + 9 months interest free credit. Now that is competitive.

I've weakened - was then terrified to tell my boss but she agreed meekly (what has she done?)

Now the long wait ....

Can I have advice now on how to wait? Much more useful than talking about mere money :lol:

[ArtierSquare]

-
...
What if I died next week without having experienced this
bliss, now that would be a shame....

J.
-

It would be an awful loss to the group... but please send me your 10D! :lol:

[sp00g3]

Wedding Monies.. :)

I am a webmaster/IT support/Server Administrator which pays for my lenses.

My wife is engineer which pays for all the bills :P

[hipshot]

Bought 300d at Buy.com on sale and since I have a buy.com credit card I got 3% back to put towards a memory card.
Buy.com is great for memory sales btw.

[AprilShowers]

i cashed in my retirement.

oops.

[hawg]

You can see me begging off the Rosecrans exit on the 405. Smile if you see me, I might just have the camera, you're helping me buy.

[MarkH]

I have a question re: financing. Wouldn't it be cheaper to take a loan from a bank than to finance the purchase w/ a credit card. CC rates could be as high as 30% sometimes a bit more.

My CC interest rate is 20%, my bank charges similar interest on an unsecured personal loan. If I had a mortgage then I could add a bit to that and pay less than half the interest rate.

The CC card is convenient though, no forms, no quiz from bank staff about what I want the money for.

[mdude85]

I paid with my own hard earned money! I worked at this job for several months, and the pay was very good, so I was able to get a camera with a lot of money to spare for other expenses.

[MikesJo]

made some summer money for the 10D. Money for the 17-40 came from designing web pages with a buddy. Here's our site too, www.imaginari.ca :).

[DeeplyDigital]

-
...
What if I died next week without having experienced this
bliss, now that would be a shame....

J.
-

It would be an awful loss to the group... but please send me your 10D! :lol:


will do - when the right circumstance arises...
-

[CoolToolGuy]

I have an account with my local photo store. For my 20D it was 1/2 down, and 3 months to pay the balance.

Try getting that from an online vendor! 8)

Have Fun,

[mdude85]

made some summer money for the 10D. Money for the 17-40 came from designing web pages with a buddy. Here's our site too, www.imaginari.ca :).

nice site! I also helped pay for mine with web design/graphic design.

[xdjoynerx]

im 19 and i have no job... i started out with a 60$ savings bond, bought a 2mp kodak, and just started buying and re selling cameras.

[theflyingkiwi]

very simple

I sold my soul to Canon. They have got me for life and all of my money :)

or the very simple answer is the cc

[danphoto1]

Any way I can. I earn a lot of the money baack so I pay part of from that .