cautious with money
need a new bed and mattress
slow poke in deciding
taking a long time to decide what to get
using the money wisely
When You Finally Do Have Extra Money To Burn...Are You...
By pyewacket
@pyewacket (43903)
United States
July 23, 2008 8:32pm CST
Extra cautious? Okay, some of you might want to tell me SHUT UP, stop gloating. But as some of you know I finally got that IRS Treasury check resolved and is in my account now. I've waited a long time in general to get my hands on some extra money as there are some things I really have DESPERATELY needed for ages. One is a nice new bed and mattress. The current bed I'm sleeping on is a 47 year old bedframe...the same one I've had all these years since I moved here when I was a five year old girl. The mattress...sheesh..is over 20, yes 20 years old. So as you can imagine I've been REAL comfortable...NOT. You might wonder, like sheesh, why didn't I get a new bed and mattress sooner...plain and simple just didn't have the money to. Being on SSI benefits doesn't allow for "luxuries", even though a bed isn't exactly a luxury.
The weird thing is, is now that I FINALLY have money to burn I'm actually being cautious...oh, yeah, I'm splurging just a tad...like the DVD I won at ebay..but that's been it so far. So now I'm driving myself daft, looking through websites for beds...since my apt is super small, I have to go with a twin sized bed again like my current one..then also looking at mattresses and going dingy..and yikes I didn't know they were so darn expensive! I kind of like those captains beds...with those bookcase headboards...thing is I feel guilty if I get one, since my two kitties like going under my current bed..if I get a captains bed..since they have that storage area, they won't be able to do that. There are a few stores near me, as I want to figure out what KIND of mattress to get before I commit myself to anything. I once felt the mattress of my friend Vi, who has a firm mattress and crap...it was hard as a rock..I could never sleep on something like that...so maybe plush style???
I think you're gathering I'm a cautious buyer rather than a YAHOOO compulsive buyer and get just any old thing. Yikes when I was hunting around for a computer desk a year and a half ago, it took me a full friggin month to decide what to get..You see I see my bed/mattress purchase as sort of an investment and I just plain want to be happy with what I get rather than have any regrets and have to send anything back which would be a real pain in the "a"
I do have other plans with my money..like transfer some into my saving account and TRY and forget it unless for real emergencies. Could stand some decent running shoes too..LOL..instead of Payless $10.00 crap...maybe Pumas?? Nikes?? Oh and a pair of new jeans...instead of my holy ones..I'm not kidding my jeans have holes in them near my assets..LOL (..hey should I get Versace?...hehe..just kidding)
Anyway...are you a nutcase like me? When you do come into some money and you desperately need something...do you take you slow poke time deciding WHAT to get, or do you just rush and get any old thing that strikes your fancy at the moment. Oh, and I just love it...all these beds are the type you have to assemble yourself...so superwoman here is going to have to assemble it herself...uh, me.
Anyway...are you a nutcase like me? When you do come into some money and you desperately need something...do you take you slow poke time deciding WHAT to get, or do you just rush and get any old thing that strikes your fancy at the moment. Oh, and I just love it...all these beds are the type you have to assemble yourself...so superwoman here is going to have to assemble it herself...uh, me.5 people like this
31 responses
@Lakota12 (42600)
• United States
24 Jul 08
Well if I get the money to use that way I go out look at what I want and usually get it now my matters is a beauty rest firm and I love it my daughter got one same kind but soft it is killing her back and mine is still just fine and we have only had them for 10 years
2 people like this
@pyewacket (43903)
• United States
24 Jul 08
Hehe..well that old mattress of mine is beyond soft...LOL, that's why I don't think I could stand a firm mattress now...it would be such a radical change for me
@scarlet_woman (23465)
• United States
24 Jul 08
i might buy myself something if i have some leftover after paying bills..
but yea,i've gotten cautious.it seems every time i have extra lately the house needs something,one of the cats gets sick..it's like they know
however..i do have my eye on a "kitty tree fort"..one of those huge scratching posts?i get joy out of watching them have fun more than i need for myself 
however..i do have my eye on a "kitty tree fort"..one of those huge scratching posts?i get joy out of watching them have fun more than i need for myself
1 person likes this
@scarlet_woman (23465)
• United States
24 Jul 08
try those "greenies" if you haven't.
i got some of them for my kids and the calico is bonkers over them.
1 person likes this
@pyewacket (43903)
• United States
25 Jul 08
Nope....I got samples of those one time...my two fussies really don't care for any kind of treats like that...no Pounce, no Temptations, nada...sheesh
@pyewacket (43903)
• United States
24 Jul 08
I was thinking if I have money leftover I would love to get my kitties some well deserved "treats"--they're SO deprived...LOL
1 person likes this
@1grnthmb (2055)
• United States
29 Jul 08
Hi Pye,
All I can say is appreciate the money while you have it. My settlement was very large and at the same time my wife got an inheritances. I thought that money would last for ever. It was surprising how fast it went. The first thing to do is get what you need. Like that new bed. That is a need. Then get the fun things. Try to put some away for a day when you might need it. Buy good quality stuff and do not waste it on stuff that will break right after getting it. i.e. dollar store cr*p. Have fun.
1 person likes this
@pyewacket (43903)
• United States
30 Jul 08
Yes, it's kind of scary how fast the money can go...but I'm getting really vital necessities that I wouldn't otherwise be able to get....might able to swing paying off the balance of my one and only credit card (not that much) in full and get that off my back as well
@Trace86 (5030)
• United States
24 Jul 08
I can't imagine the feeling of actually having extra money! It seems like everytime I almost get my credit card payed off, the husband finds something new and expensive that I need to charge on it.
I would love to get a new mattress! The one we have now is only 3 years old, but it is way too soft. If I had the money, I would get a sleep number bed. The idea that I can adjust it until I am comfortable is amazing to me.
I would definitely hem and haw about what to spend it on after I paid off my credit cards. I guess depending on how much it was, I might apply it as additional principal on my mortgage. I need some equity in this dump so when I sell it, I get something out of it.
@pyewacket (43903)
• United States
24 Jul 08
Credit cards are horrible aren't they? I have one too, and it's not a big credit limit either..I used it for emergencies to stretch out my benefits, like getting extra medicines and stuff...all that stuff adds up until before you know it that darn thing is maxed out--I'm hoping to pay some of that down too. Yes, I've heard of those sleep number beds...yikes they're very expensive aren't they?
@Trace86 (5030)
• United States
24 Jul 08
Yes! Somehow I got talked into charging aluminum siding, a new front door and screen door on my credit card.
Those beds are very expensive. The cheapest Queen size is 1300! I think I would want to go better than the cheapest though. Maybe midgrade. Or, since it is just a pipe dream, I should just dream the Cadillac of beds and go for the top of the line! 
1 person likes this
@pyewacket (43903)
• United States
24 Jul 08
Well that might not be the Cadillac of beds...ever see how much the desinger Vera Wang beds are? There's one that goes for $2,199--all just because it has her name on it..LOL..sheesh
@hezoid (2144)
•
27 Jul 08
If i ever get to the point where i have some spare money to burn i will let you know how i feel, lol!
I think it's important to by yourself a new bed, just think you spend about 1/3 of your life in bed and getting a good nights sleep sets you up for the day. If you buy a good quality one it should last a while too. I think it's important for you to find the right one that you want.
1 person likes this
@hezoid (2144)
•
27 Jul 08
I hope you let us all know how you like your new bed & matress when they arrive. Mine is a second hand frame and a battered old matress but it's confey enough and to be honest i struggle to get out of bed in the morning as it is, if i had a really nice comfey one i'd probably never get up!
2 people like this
@pyewacket (43903)
• United States
27 Jul 08
Hehe..well I already ordered my bed from Target and my mattress elsewhere..so in a few weeks (or hopefully sooner) I'll have my nice new bed/mattress...yahooo
1 person likes this
@walijo2008 (4644)
• United States
24 Jul 08
I'm like you, I've never really had much money, so when and if I ever do get extra money, I'm very cautious. It takes me forever to find what I want to buy. When I don't have the money I see all kinds of things I want, but if I do have it, then I don't want nothing, or I can't find anything that I think is worth the money. For instance, we got a fair amount on our income taxes this year, so we decided to buy a new couch, the one we had was a hand-me down from his brother, and it sank in the middle when you sit in it, and he used to let his dogs lay on it, so we really needed a new one. I don't know how many couches I've sat on, how many I've looked at, how many stores I've been to. It took me about a month to find what I wanted, but I didn't want to buy the first one I seen, I wanted to make sure it was the right one, and once I got it home, I wanted to make sure I liked it, and not end up having to take it back, but that is a pain. So far so good, I still like my couch, and like you I am a slowpoke in deciding what to get.
1 person likes this
@pyewacket (43903)
• United States
24 Jul 08
Isn't that always the way? How true...when you don't have money you see a million things you wouldn't mind buying...then when you have some extra don't see a darn thing. Well I'm thinking of just going ahead and ordering the bed tomorrow...and mattress...I don't want to wait too long and go through the money on much of nothing...that would be too easy to do.
@walijo2008 (4644)
• United States
25 Jul 08
Well if you need it, which it sounds like you could use a new bed, then go for it. If you wait till later, then you might not have the funds to get it, that usually happens to me too..lol.
1 person likes this
@winterose (39887)
• Canada
29 Jul 08
I haven\'t had money since 2004, so I wouldn't know what to do with it,
well actually I would, I need a new tv and I need a stove so I would get one or the other.
but I am saving my gather gift cards for that.
1 person likes this
@pyewacket (43903)
• United States
30 Jul 08
Well I took the plunge and ordered my new bed and mattress set...thinking of starting a bonfire and burn the old mattress...It's hideous and so uncomfortable to sleep on that it's a wonder I haven't had major health problems from it
@KrisNY (7590)
• United States
30 Jul 08
You are too funny. Wow—there are a lot of beds out there to choose from – however will you choose. I’m really glad you got the money finally- and you have extra money to play with. Putting some in the savings account sounds like a great plan. I have a nice savings account as well – and I don’t touch it unless I need to ~ like for the down payment on the house and car.
I have to admit- when it’s a big purchase- I’m extra careful and make sure I really need the item- then I do the research to be sure I will be happy with it. For smaller things- I just buy them. I’m a lucky one who does not live paycheck to paycheck- so I often times have extra money. You know I should save more!
Good luck with the bed purchase.
1 person likes this
@pyewacket (43903)
• United States
30 Jul 08
I already ordered my new bed and mattress set..yahoo...and hopefully be getting them both in about a bit more than a week...wonder if my two kitties will like it..LOL...they have to approve of everything you know..LOL
@moonshadow68 (723)
• United States
24 Jul 08
Ditto with the person above me about freecycle. The only problem is that you usually have to pick it up. I got an excellent used couch that way and some clothes. I also got rid of a ton of stuff that way too.
But after 20+ years, if you want the captain's bed, the kitties will understand. We took apart our old bedframe yesterday and put the mattress directly on the floor. Rain kept trying to figure out where the under went, but on the upside, now she will get on the bed which she didn't before. Pye and the fellow kitties will just take over your new headboard/bookcase.
Or if you wanted to have a bigger bed sometimes, a futon with a really thick mattress is comfy. You have to buy the extra thick (8" I think) mattress for it, not the standard Wal-Mart one, but then you can use it for sitting space in the daytime and a bigger bed at night.
Either way, hunt away. Just don't be like me and hunt for so long that you decide you don't need it after all!
@moonshadow68 (723)
• United States
24 Jul 08
Almost forgot, Congrats on FINALLY getting that nightmare dealt with. You deserve to splurge a bit :)
1 person likes this
@pyewacket (43903)
• United States
24 Jul 08
That would be the major problem for me...I'm aware that in most cases, with anything listed on freecycle one has to pick up the item...and would have no idea how to do that since I don't even have a car...for a bed I would need a truck of some kind. For a long time I kind of like futons...and thought real practical...but I think I prefer the idea of a bookcase headboard with the bed. Oh, no I would NEVER decide I didn't need the bed after all...I definitely need it.
And thanks...yes, glad I got that issue resolved finally..thank goodness
@royal52gens (5488)
• United States
27 Jul 08
Like you, we finally got the extra money from the IRS. I used it to pay bills that needed to be paid. I would love to purchase a new bedroom set and new mattress set. The check was not big enough to purchase the set I had picked out. And the set was priced at 60% off. I thought about spending it on other things. It just made more sense to reduce my stress over the bills by paying some of them off.
1 person likes this
@pyewacket (43903)
• United States
24 Jul 08
Okay..dumb question...LOL...to regulate such a bed, does it need electricity? I ask since I plain don't trust my electricity here...the one outlet that is in the bedroom had an electrical short in it about ten years ago...and yes there was a fire..and yes the outlet was "examined", but still don't trust it..I unplug the lamp I have plugged in every night before I go to bed.
1 person likes this
@pyewacket (43903)
• United States
26 Jul 08
Yup, but in my case I really needed a new bed and mattress..As I mentioned my old bed frame is 47 years old, fallen apart..LOL, and my 20 some odd mattress is ready for a bonfire....LOL
@irishmist (3814)
• United States
24 Jul 08
I take my time deciding how to spend extra money, I even make list ans shop around, as well as wait for the sales so I can get the best deal possible. Though after I pay this laptop off from Rent A Center, I'm thinking of renting a big screen TV, if I wait to save up the money I'll never get anything lol.
1 person likes this
@pyewacket (43903)
• United States
24 Jul 08
Are they good? The Rent A Center thing? I've heard about them..heck do they have beds??? LOL
@irishmist (3814)
• United States
24 Jul 08
I rented and now own my washer and dryer from them, as well as that is where I got my 2nd desktop computer, now my laptop. My son and daughter rent from them as well, as yes they have all kinds of beds, they have different prices as well depending on what you rent. You can pay weekly, every 2 weeks or monthly. If you pay off early or on time you don't have to pay extra. We have never had a problem with them.
1 person likes this
@Opal26 (17679)
• United States
25 Jul 08
Ok, pye. Settle down now! I too just bought a much needed
new bed. It took me months to decide. I kept going back
to the store changing my mind. I even purchased the bed
and 4 days before delivery totally changed my mind and
got a different bed and am sooooo glad I did. Now I got
a queen size bed. I was able to get the whole set for
$550 which for a Queen is not bad. The mattress & box
spring was $349-then frame, delivery, tax, $550.
Anyway, you need a twin which is the lowest price
mattress so you can really get a great price and a
great mattress. You live in NY like I do so I'm sure that
you have a Sleepys somewhere nearby. I totally suggest them.
I was very happy with their service and you can talk them
down on the price. But if you're looking for a special
kind of bed with storage on the bottom then you have to get
it at a furniture store I think.
1 person likes this
@pyewacket (43903)
• United States
26 Jul 08
Well I made the plunge today and ordered my bed from Target..LOL. I had gone yesterday to this small furniture store to look and they had a bed too, but I'm glad I didn't decided to get from them. A fellow mylotter who doesn't live far from me knows the reputation of this store...in other words they suck. Target at least has a good reputation. Yes, I do have a Sleepy's near me, but I opted to order my bed at US-Mattress which has a good reputation..the delivery is free and NO TAX added. So in another few weeks I should have them both, maybe sooner I hope
@underdogtoo (9579)
• Philippines
24 Jul 08
Congratulations on that excess money. I never had a windfall that didn't go out quicker than the 4 o'clock train. Have lots of fun looking for ways to spend it, wisely or unwisely. I guess we will be hearing about the bed next, eh? Cheers!!
1 person likes this
@pyewacket (43903)
• United States
24 Jul 08
LOL---nah, don't think I'll be doing a discussion about the bed...hehe. Going to order the bed tomorrow....have to get printing cartridges for my printer, so if I need to can print up the on-line invoice..come home install the cartridges and order away...I don't want to wait to long and chance spending the money on non-essentials...that would be too easy to do
@snowy22315 (169966)
• United States
25 Jul 08
When I have money the first couple of hundred dollars kind of goes quickly. I feel it burning a hole in my pocket. i usually make some semi impulsive buys with it.
I then become a little more cautious with the rest of it and kind of put it aside.
i'm not really crazy when it comes to money. I'm pretty conservative, because I know I will probably have to make it last awhile. My hubby is supposed to be selling his other house someday for some major money, hope it happens soon.
1 person likes this
@pyewacket (43903)
• United States
25 Jul 08
Yes, it does feel like a hole is burning in your pocket when you have extra money...like it's shouting "Spend Me..Spend Me"..LOL I plan to put some into my savings account..don't laugh...I have about 53¢ in my savings...LOL. Want to put some there and try to forget it except for real dire emergencies. Wishing you luck that your hubby get to sell his other house and you can have some major money
@gemini_rose (16264)
•
24 Jul 08
Yeah I am pyewacket, I have recently had a rebate myself and at the moment it is just sitting in an account and I keep looking at it and just wondering what I can do with it. I figure with chrimbo being a big payout time that I might keep hold of it for then at least I wont have to worry about where the money will come from for all the pressies then.
But you know, being cautious with money is the fasted way to fritter it, I have noticed in the past when I have had lumps of money that when I do not plan anything for it, it just seems to disappear!!
1 person likes this
@pyewacket (43903)
• United States
24 Jul 08
Well believe me I'm not going to fritter it away...I've waited too darn long to get a new bed and mattress. I pretty much have narrowed down what I want to get..still have to figure out bills as I have some long past due and what to get rid of them. I went to this small furniture store today as a matter of fact..they have a bed similar to what I've seen on the Target website....but don't want to buy from that store...what they do is dismantle the display model to sell...and it looked banged up a bit...no thanks..I want a nice brand new bed..not a banged up display model
@meiyeec511 (405)
• Malaysia
24 Jul 08
I think I will never have such time. I'm always lack of money.
From time to time, I always need money. Even if I got bonus, I will still feel not enough. I will use my money in a lot of area, such as give to my parents, buy this and buy that.
I will think to buy certain things when I have more money than usual. That's why I will never feel that my money enough.
1 person likes this
@pyewacket (43903)
• United States
24 Jul 08
Well that's why I haven't bought a new bed or mattress in ages since I didn't have the money for it...so now that I do can't wait to get them
@slyvixen42 (926)
• United States
24 Jul 08
I have a hard time deciding what I want and am always afraid I'll buy the wrong thing before I finally find the right thing. I just recieved a birthday gift that was a bit of money. I want to buy myself something nice but instead I think I'll put it in the bank. There just isn't anything I want badly enough to justify spending money on it.
1 person likes this
@pyewacket (43903)
• United States
27 Jul 08
LOL--why don't you just buy something a bit wacky then...something to make you feel good...something you may not have bought yourself in a long time...like maybe a nice bottle of cologne or something like that?
@bunnybon7 (50973)
• Holiday, Florida
24 Jul 08
oh honey, i know exactly what you mean. i went thru hubby's money left me so fast. if i ever get more money, even tho the kids will know, im going to have to say NO! many times. im going to be so much more careful if God ever gives me another chance. im so happy for you. i dont care if you talk, and talk about it! i'll read it all. many many hugs.
