Either or


you only have 2 choices, so pick one (and nope, no wiggle room).

would you rather:

1. pay in full your wardrobe budget for the year up front, on a prepaid credit card, and then throughout the following 12 months buy your items exclusively using that credit card, with the amount you put on it. zero additional money.

OR

2. throughout the year, choose and own/wear new clothing as you select them, paying nothing, and then after 12 months of owning/using the items, pay for them, whatever the total is. no returns.

12 comments:

readysetfashion said...

pay up front...to avoid that feeling of debt.

enc said...

Pay up front. Je deteste le debt.

greying pixie said...

Well initially my impulse was to choose to pay up front. But on second thoughts I would go for the second, as I would not know in advance how much I would want to spend and with the first way there is the potential to lose money or spend it on things at the end of the year just to use up the remainder. Whereas if I pay after 12 months, with a bit of careful juggling, I could even earn some interest on the money I am putting aside to make the final payment when the 12 months are up!

Iheartfashion said...

Both impossible choices!
I couldn't even begin to estimate what I will want to spend in a year, and prefer not to know.
But on the other hand, I wouldn't want to be hit with that (most likely) enormous end-of-year bill.
I'm saying pay up front, but it's not my style to budget.

erica said...

pay up front, only so i can keep a handle on my budget. i don't even leave the house with my credit card any more, it's much too tempting.

Alexandra said...

Pay up front- else, I'd most likely overspend by a huge amount.

love aesthetics said...

oh my gosh! yes I agree with ready set fashion , I hate dept so it would be number one I guess

laia. said...

Pay up front definitely i don't shop a lot throughout the year so I could be ok sticking to a budget.

-h of candid cool said...

numero 1, it would be better for me ;) and it would make me very picky.

a. said...

definitely #2! i find it a bit weird that so many picked #1... w/ #2 you can decide what you want to spend, but then if you maybe need to change it (perhaps you get a bigger- than-expected end-of-year bonus?) you can. and, as greying pixie said, you can earn interest on the money while it isn't actually being "spent". i'm on a strict budget right now, and this is essentially what i'm doing, but monthly rather than yearly (since i put most expenses that i can (as limited by my budget) on a credit card and then pay it in full at the end of the month. it can be done!)

landis smithers said...

2.

you never ever know when you're going to round the corner and find the budget busting heart stopper.

editor said...

^^landis, i love that you show that you're such a romantic in your answer.