Members Jaron Posted January 6, 2009 Members Share Posted January 6, 2009 Save the money you'd be paying per month in a high interest savings account instead. thats a really good idea Link to comment Share on other sites More sharing options...
Members theboywho Posted January 6, 2009 Members Share Posted January 6, 2009 http://www.artscouncil.org.uk/takeitaway/ Thats what I was on about, they got a list of stores if theres anything decent in any of them. Link to comment Share on other sites More sharing options...
Members The P-Man Posted January 6, 2009 Members Share Posted January 6, 2009 I think I'll just use my bassists amp for a while. And save. It's just a case of seeing something and wanting it straight away.I've used this scheme before and it was great...very few criteria needed and it was simple enough plus 0% interest can't be bad!!http://www.artscouncil.org.uk/takeitaway/ Link to comment Share on other sites More sharing options...
Members Loobs Posted January 6, 2009 Author Members Share Posted January 6, 2009 Save the money you'd be paying per month in a high interest savings account instead. Do these even exist anymore? Link to comment Share on other sites More sharing options...
Members opelgt73 Posted January 6, 2009 Members Share Posted January 6, 2009 ..........Which is even less fun because the honeymoon period has worn off long ago. This is why I wouldn't want to do the loan thing. You'll be wanting another amp long before you pay it off. Link to comment Share on other sites More sharing options...
Members McSuckage Posted January 6, 2009 Members Share Posted January 6, 2009 I would only do that in a super-uber emergency and gear buying would never be an emergency.What he says. Link to comment Share on other sites More sharing options...
Members Loobs Posted January 6, 2009 Author Members Share Posted January 6, 2009 Guess I'll just have to save up. Link to comment Share on other sites More sharing options...
Members The Hogester Posted January 6, 2009 Members Share Posted January 6, 2009 Get a job Also this. Link to comment Share on other sites More sharing options...
Members Cliff Fiscal Posted January 6, 2009 Members Share Posted January 6, 2009 good idea! Link to comment Share on other sites More sharing options...
Members fuzzface71 Posted January 6, 2009 Members Share Posted January 6, 2009 I'm sorry to hear about this man. I feel your pain. Around 3 years ago, I was unemployed almost a year, and decide to go back to school full-time. I have sold almost half of the pedals on my board, and sold my beloved Vox AC30, Casino, '77 Deluxe Tele etc.. Anyways, I was also a gigging musician and play shows almost 2-3 times a months depending... I have borrowed my friend's amp (Blues Deluxe) for atleast 4 months, until he nicely asked for the amp back. After that, I bought a used $100 transistor Roland BC30 that did the trick, it was loud enough, nice cleans, pretty decent with pedals. I got by, I've used that amp for almost a year, until I've graduated and started working again full-time. Since then, I bought a newer AC30, Dr.Z and DRRI and recently a Princeton. And re-bought some of my pedal back and then some. I'm sure that some of the "old-timers" in here would remember about this story. I've even sold a few in here from forumites. There's some choices man. You hang out in guitar forums enough to realize that you don't need spend big $$$$ on gear to play, or yet to sound "decent". Goodluck! Link to comment Share on other sites More sharing options...
Phil O'Keefe Posted January 6, 2009 Share Posted January 6, 2009 IMO, it's nearly always better to save up for what you want than it is to finance it - especially if it's unfavorable finance terms. The ONLY time I would suggest even considering financing something is if NOT having it is going to prevent you from making money, and the money you'll be making will more than make up for the cost of the gear payments. Even then, it is best to get the most favorable financing terms you can, such as interest free for a year or whatever - and if you do that, make sure you pay it off BEFORE the year is over, or they'll hit you with interest charges starting from day one. My advice would be to keep using what you've been using, and then pay cash for something once you have enough to get what you actually really want, and don't settle for "this will do", or dig yourself into a whole lot of high interest rate debt. Link to comment Share on other sites More sharing options...
Members Loobs Posted January 6, 2009 Author Members Share Posted January 6, 2009 Like I say, I can use my bassist's DSL100 head for a while until I get up on my feet. I do work but I'm a student so it's only part time and I don't make big bucks. Link to comment Share on other sites More sharing options...
Members nomenclature Posted January 6, 2009 Members Share Posted January 6, 2009 if you really need something, find a store that has it & will finance it, then make payments larger than required... I'm doing that with my EC jazzmaster, in theory I should be paying $400 in interest at the end of the year, but it'll be much lower if I pay larger but still managable chunks... Link to comment Share on other sites More sharing options...
Members fruvai Posted January 6, 2009 Members Share Posted January 6, 2009 Rob a Bank Link to comment Share on other sites More sharing options...
Members Dolf Posted January 6, 2009 Members Share Posted January 6, 2009 This is a huge mistake. Don't do it. Debt is not your friend. Just save up. Link to comment Share on other sites More sharing options...
Members TomCTC Posted January 6, 2009 Members Share Posted January 6, 2009 Do it! I'll do it too, then we can race to see who can pay it off first. Loser has to commit suicide in front an unsuspecting kindergarten class. You in? Link to comment Share on other sites More sharing options...
Members rdm Posted January 6, 2009 Members Share Posted January 6, 2009 Rob a Bank Link to comment Share on other sites More sharing options...
Members Loobs Posted January 6, 2009 Author Members Share Posted January 6, 2009 Do it! I'll do it too, then we can race to see who can pay it off first.Loser has to commit suicide in front an unsuspecting kindergarten class. You in? I am IN 2 U. Link to comment Share on other sites More sharing options...
Members freeridstylee Posted January 6, 2009 Members Share Posted January 6, 2009 U have a freeking high end marshall to use, and your trying to take out a huge loan? Link to comment Share on other sites More sharing options...
Members Turd Furgison Posted January 6, 2009 Members Share Posted January 6, 2009 My advice is to do what your parents did; get a job, sir. The bums will always lose. Do you hear me, Loobowski? Link to comment Share on other sites More sharing options...
Members punkicidal Posted January 6, 2009 Members Share Posted January 6, 2009 Get your arse to a music store that does interest free credit... I'm pretty sure I got an email through a while back fomr reverbstore (what used to be soundcontrol) saying that they were offering 2 years interest free? That's what the girlfriend did for me to get my Orange. The only time we get charged interest is if the monthly payments are late, and it's really low too (something like 7 or 9%) I had to put 20% down up front, but I had the extra cash, and they divide it over 1 or 2 years. Getting 1000 from a quick-loan place is a REALLY {censored}en bad idea. I had to resort to those last year and it {censored}ing sucks. Especially when you know, and are friends with the person who runs the place. Link to comment Share on other sites More sharing options...
Members gambit Posted January 6, 2009 Members Share Posted January 6, 2009 i bought my Engl head this way.. (PMT Birmingham), but that's a finance thing. 0% interest and paying with direct debit over 12 months. so i walk out with a Link to comment Share on other sites More sharing options...
Members ampman1989 Posted January 6, 2009 Members Share Posted January 6, 2009 whats amp you after? look into the take it away scheme run by the arts council. They allow you to buy gear worth up to Link to comment Share on other sites More sharing options...
Members Fatso Forgottso Posted January 6, 2009 Members Share Posted January 6, 2009 i loan my friends money for teh drugz Link to comment Share on other sites More sharing options...
Phil O'Keefe Posted January 6, 2009 Share Posted January 6, 2009 i used to have a store card, and that was useful for getting gear without paying anything for 12 months, but then when the 12 months is up they seriously rip you off. i took me a while to clear that one off and i haven't used it since. you should avoid these dodgy third party loans companies at all costs. Knock... Knock... KnockWho is it? Uh, Lone Shark... Link to comment Share on other sites More sharing options...
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