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FORUMS Photography Talk by Genre General Photography Talk 
Thread started 18 Aug 2013 (Sunday) 16:14
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How much debt are you in because of photography?

 
reneefk
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Oct 30, 2013 00:49 |  #136

I got an Amazon card, was only going to buy a lens and pay it off. That was roughly a year and a half ago, the card is now maxed out. Not even with photography stuff. There have been a few emergencies (car problems, medical, etc.) I wish I had never got that card though.




  
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chris_holtmeier
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Nov 22, 2013 19:23 |  #137

I just took out a five figure loan to a buy a camera.

I look at it this way. I'm going to shoot a larger format than 35mm. I can either buy a film camera inexpensively and pay for film and developing, or make a payment to shoot digital. The payment for my Phase is the equivalent of buying and processing 10 rolls of film a month. So, 150 frames vs as many as I want.



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phantelope
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Nov 22, 2013 20:00 |  #138

no debt, certainly not for toys. Only one, the mortgage.

I sue credit card for just about anything I buy, hardly ever carry cash, but always pay it off. Easier than cash, and I get airline miles. 2nd time we fly to Europe for free soon, 4 tickets.

I use two cards, one for about everything, one for my fun stuff. Easy accounting, done for free by the banks.

I'd never buy gear on credit unless it's my business.


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Bilderknipser
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Nov 22, 2013 20:06 as a reply to  @ chris_holtmeier's post |  #139

That's a nice set-up Chris, I love the Phase One 645, I use it at school for studio shots mostly with a 120 macro (P30 back). Happy shooting!


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bps
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Nov 22, 2013 20:32 |  #140

Zero debt for me. I put everything I can on a credit card for points, and then pay in full every month. Best way to go!

Before I was in a position to do this, I simply worked extra hours or saved even harder if I wanted a new toy. Without a doubt, this led to where I'm at financially today.

Bryan


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BrickR
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Nov 22, 2013 21:39 |  #141

I'm the same as others have posted, no debt and put everything on a credit card that gives me reward points, and I pay it off in full every month. They HATE people like us! ;)


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Chief_10Beers
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Nov 23, 2013 20:21 as a reply to  @ BrickR's post |  #142

No Credit Cards= No debt for me. If I want/need something bad enough, I'll save for it...............


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Picture ­ North ­ Carolina
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Nov 24, 2013 07:28 |  #143

Not a cent of debt here. Only a fool buys things he cannot afford.


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bsmotril
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Nov 25, 2013 09:31 |  #144

Zero Debt, but I have a bunch of gear. The wife and I decided on a debt free lifestyle after we payed off our mortgage 10 years ago. I find myself doing a combination of saving cash and selling unused gear to get a more current lens or body.


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Dinzdale40
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Nov 25, 2013 10:20 |  #145

all i have debt wise is the mortgage on my house. i'm working on paying off the house but i'm not in a particular hurry. i'm hoping to make that a 10 year goal. i use cc's everyday but i pay them all off every month.

if i was in the business of photography and was doing well with it, i'd consider a loan for medium format or some other large expenditure that would help me make money. i don't think there is anything wrong with it as long as it will increase your profit enough to at least cover the interest of the loan and depreciation of the gear.


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RunAmok
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Nov 27, 2013 06:12 |  #146

Just the cost of my wife's xmas gift, the Canon 100/2.8 macro that's in the mail :)


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Keith_D
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Nov 27, 2013 07:25 |  #147

Only debt I have is my student loan and a credit card bill that will be payed down in two months. It is hard living in another country for a year and then return to your home country and have to basically start over again.




  
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Eddie
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Nov 27, 2013 07:46 |  #148

In the past ive went down the road of buying lenses etc on credit but these days if I cant pay for it up front I dont buy it. Also with it being a hobby if I need the cash for more important matters the lenses go (Thats why I only have 2 at the moment). I then build it back up as and when I can.


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Magnus3D
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Nov 27, 2013 12:30 |  #149

I'm 500 euro in debt now because i spent all my pennies on a Fujifilm X100S camera with accessories. However i can happily live on water and breadcrums for six months. :)

/ Magnus


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Kronie
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Nov 27, 2013 12:52 |  #150

I have a few grand on a business card that I will either pay off before the 0% deal is up or transfer it to another 0% card. Its a mix of stuff from this year, trips, materials, printing miscellaneous stuff...




  
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How much debt are you in because of photography?
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