Patience and hard work really pays off. I have been wanting an Apple Watch for quite some time, however not willing to pay the $400+ for one. Plus I wasn’t willing to finance One through my cell phone carrier, or put on a credit card.
My employer has a wellness program, in that I can participate in wellness activities, earning points that equate to dollars that then turns into gift cards. I earned enough points to purchase a brand new Apple Watch. Target now has the series 3 on sale for $169.99, I was able to get my watch, that I’ve been wanting for quite some time, using gift cards while staying healthy.
Next I’ll be cashing out my points for an Apple ear pods.
Merry Christmas 🎄 to myself and I didn’t spend a dime, only needed to love a healthier lifestyle.
Apple Watch ⌚️
November 25th, 2019 at 01:52 pm
November 25th, 2019 at 02:36 pm 1574692601
It seems like you have lost focus as you have stabilized your situation. You still have an enormous amount of debt plus you are way behind on retirement savings. In your shoes, I would rethink this purchase.
November 25th, 2019 at 02:51 pm 1574693483
I, myself, do not like that employers want people to have (x) device to participate in these wellness programs.
Does your employer have you link up so they have your data?
or is it simply for your tracking that you can say i walk x amount of steps etc?
November 25th, 2019 at 03:39 pm 1574696380
I think this purchase shows that you have learned that you don’t have to buy something the minute you want it. You found a way to earn extra cash, put in the effort, found a great price, and got something you really want. Yes it is a want, but for those of us with no one ‘special’ to give us gifts, we have to love ourselves and show ourselves that.
I think you should be proud of yourself!
Merry Christmas😀
November 25th, 2019 at 04:24 pm 1574699066
November 25th, 2019 at 05:43 pm 1574703794
November 25th, 2019 at 05:59 pm 1574704744
November 26th, 2019 at 12:16 am 1574727419
Amber--Enjoy your toy and keep on keeping on.
November 26th, 2019 at 10:22 am 1574763751
AR though I could have chosen to use the gift cards for cleaning items, groceries etc, I decided to treat myself to something nice. Just under two years, I’ve paid down a substantial amount of debt, and saved.
You’re correct, the watch is a want, it’s not a need, per se. for me, I realized while on this journey it’s okay for me to treat myself once in awhile so that I stay focus. Money spent, was earned by simply walking, and eating healthy. What I learned from this lesson is, patience, perseverance and other ways to make money, that’s fun, healthy and easy.
When I started this journey to financial peace, I created a sinking fund, for vacation and fun. It was to be used for those milestones met, (e.g credit card pay off), since I’ve been on this journey, that sinking fund has actually been used for debt reduction, never for fun after accomplishing a milestone. At the time those milestones were met, I always told myself, I could earn points, that translates to gift cards for fun.
Though at my age, I’m nowhere near, where I should be financially, I am much more better off than I was a few years ago, and making progress. So with that, I’ll continue to save, pay down my debt, blog and share my experiences, seek SA bloggers advice and buy myself something once in a blue moon. 😉
November 28th, 2019 at 09:26 pm 1574976399
November 29th, 2019 at 07:33 pm 1575056035