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How Do You Budget For Equipment?

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I used to be a very good saver.  When ever there was something that I couldn't afford in a months time.  I'd get a game plan together and put away X amount of dollars for that something special. 


Then I fell into the credit pit following bad advice. And it was killing me to cover the minimum let alone trying to pay down the debt.


Now.  I operate on my free money principle which isn't free.  I take care of all my financial obligations and what's left over is free money that I'll usually spend on something of lesser value (like my newer guitars)


I wish I could get back to being a good saver. Sock away X amount for a big ticket item.  Something always gets in the way and I lose focus on the prize.



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I always budgeted for everything. Still do. It might be the example of my parents. I'm not sure.


I dont need a lot of guitars (though they are very tempting).


I have had some expensive vacations over the last few years and robbed my car fund (monthly saving to replace my car regularly) so now I have a cheaper smaller car. Its was worth it. I have spent quite a bit this year to replace a camera & my music system. I will need a video monitor soon too.


I wont get anything on credit. True, I did have a mortgage, but even that is paid off now.


I suppose part-exchange is always another way to reduce purchases, though you do lose heavily. It might be better to list all the stuff you no longer want/need and sell those privately first.

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