Monthly payment for Steam Hardware?

[Damian]

Sadly, I have spent way too much :/
I bought a whole SimRig
Pimax Crystal VR
2 Base stations
2 Vive trackers 3.0
And all i need now are 2 controllers T_T

I ran out of cash :/ that's why doing like 3 month payment split would be nice :( or Klarna, they allow it.

Sadly there isn't even any shop selling those controllers (Valve Index Controller)

[Damian]

Satoru a écrit :

Damian a écrit :

I'm in Europe not in the US where people get shot on the streets or CC companies being predatory...

If you want to use Klarna, you are already being shot in the kneecaps. You just dont know it. Again don't think the EU protects you from making terrible financial decisions. Buying something you can't afford is your problem. The solution to that is not 'buy more stuff'

Ok trolling and being upset aside, tell me, what is it bad about buying something and paying it off over 6 or 12months? Explain this to me please.

[Damian]

I see there won't come anything from Satoru, big talk no "advice".

So I tell you guys how I afford things, I use monthly payments to buy things I don't really need.
For example: Computer, Gaming, VR, and other not necessary stuff.

What I pay cash are for example cars and other things.

Why? Lets assume you buy something for 500Euro thru Klarna with 6 months payments, they will calculate about 10% so you pay them 550euros. 50Euros seem much, but 500euros missing at once from your account seems even more. Lets say you have only 2000Euro on your bank account so 500euro is 1/4th of your total bank account. With monthly payments you also pay somewhat the 500euros but you pay 50bucks extra. 50euros seem much, but if you see it as 50euro/6 months = 8.33euro per month extra. You can either eat a burger each month for the 8bucks or you can buy something for a monthly payment.

Lets say something happen, your oven broke, or fridge died. While paying monthly you still have cash on your bank to be able to flip things, you find cheap car wheels, you buy them, powder coat them and sell them with profit. If you only work a 9-5 job and don't do anything outside that, like flip computers, resell stuff, etc then you see... you don't really need monthly payments.

For example I sell delided CPUs, I need to buy them and modify... one CPU is around 500-600 bucks meaning, i can either buy 3cpus and sell them making profit... or I can buy one thing and be unable to buy anything else.

My bank account is always at max 2000euro, i dont need money on my bank, I save by buying 1oz gold/silver coins. Safer from inflation over 5years than money is.

[cSg|mc-Hotsauce]

Satoru a écrit :

cSg|mc-Hotsauce a écrit :

PayPal pay in 4 not available?

Its sort of disgusting every payment processor has basically somehow made a 'cute' name for what are basically predatory lending. Visa/MC wishes they could do something this level of shady and get away with it.

I'm only suggesting options other than the obvious ones; put money into your wallet a little bit at a time, just sock away some money in your bank/savings account for later, credit cards, hide some cash under your mattress, hide cash in your sofa...

But you know how this always goes.

[Start_Running]

Thermal Lance a écrit :

That's called a credit card.

If you're the kind of person who needs a payyment plan for tghis sort of thing.. you shouldn't have a credit card.

[BJWyler]

Damian a écrit :

Animus a écrit :

Put a little money each month into your Steam Wallet until you can afford what you want.

Steam's not going to risk giving you anything and you not paying for it fully.

Learn how this works fist before speaking up... the bank gives steam the full price and i pay back to the bank.

Yup, and that's called a bank loan. So go down to your bank, take out a loan to cover the cost of the hardware, buy it, then start paying back your bank. Seems you just solved your own problem.

[Damian]

cSg|mc-Hotsauce a écrit :

Satoru a écrit :

Its sort of disgusting every payment processor has basically somehow made a 'cute' name for what are basically predatory lending. Visa/MC wishes they could do something this level of shady and get away with it.

I'm only suggesting options other than the obvious ones; put money into your wallet a little bit at a time, just sock away some money in your bank/savings account for later, credit cards, hide some cash under your mattress, hide cash in your sofa...

But you know how this always goes.

:nkLove:

I can't buy time you know, I can "buy" now something for 50bucks more and pay it over 6 months... or I can wait 6 months and buy it then....

So you value 50 bucks more than playing lets say VR for 6 months...

[Start_Running]

Damian a écrit :

cSg|mc-Hotsauce a écrit :

I'm only suggesting options other than the obvious ones; put money into your wallet a little bit at a time, just sock away some money in your bank/savings account for later, credit cards, hide some cash under your mattress, hide cash in your sofa...

But you know how this always goes.

:nkLove:

I can't buy time you know, I can "buy" now something for 50bucks more and pay it over 6 months... or I can wait 6 months and buy it then....

So you value 50 bucks more than playing lets say VR for 6 months...

But you won't be paying $50 You'll more be paying $60 because loans come with interest..

[Damian]

Start_Running a écrit :

Damian a écrit :

I can't buy time you know, I can "buy" now something for 50bucks more and pay it over 6 months... or I can wait 6 months and buy it then....

So you value 50 bucks more than playing lets say VR for 6 months...

But you won't be paying $50 You'll more be paying $60 because loans come with interest..

My friend, I know what I'm talking about because I know what I pay for.
When you buy something, it tells you the item price and how much the loan is over the period of time.

You can have 9% or 13% loan depending where you buy and what payment you use.

[cSg|mc-Hotsauce]

Damian a écrit :

Start_Running a écrit :

But you won't be paying $50 You'll more be paying $60 because loans come with interest..

My friend, I know what I'm talking about because I know what I pay for.
When you buy something, it tells you the item price and how much the loan is over the period of time.

You can have 9% or 13% loan depending where you buy and what payment you use.

If you need to take out a loan for electronic devices, you are doing life wrong.

[Mad Scientist]

Damian a écrit :

I use monthly payments to buy things I don't really need.
For example: Computer, Gaming, VR, and other not necessary stuff.

You'll pay significantly more with interest when you're buying more & more with more debt over time without paying it off right away. Don't buy luxury goods if you can't afford it. Save up, buy it when it wont put you in the negative especially with interest.

Valve isn't a bank, if you have a credit card, you can use it - but I ONLY recommend people use it and pay it off the same month as to be able to afford greater things in life without being turned down like getting a new car, expensive necessary equipment, a house etc.

If you're desperate for cash, 2nd job, odd jobs, overtime, offer to do kid level stuff like mowing your neighbors lawn & get the whole neighborhood; easy money. Never do debt and interest needlessly for gaming equipment. Debt + interest for luxury goods is just going to obliterate credit making you ineligible as a high-risk individual, which only companies would be willing to do for extreme interest but with a lot of "pay on time or else" clauses. Quite often this means you'll pay significantly more than the item(s) you wish to buy now instead of waiting til later.

Don't be reckless in regard to money, be smart about it, have patience, do some odd jobs or 2nd job, but never debt + interest.

cSg|mc-Hotsauce a écrit :

If you need to take out a loan for electronic devices, you are doing life wrong.

Especially when it's completely unnecessary luxury electronics like gaming pc accessories/vr headsets etc. definitely makes people too high risk to do the important loans in life like getting a house.

[76561199540158642]

Tito Shivan a écrit :

I guess Epic doesn't gift VR headsets...

Haha but it would be cool if Epic started Gifting VR games only way id get any. my Vr helm hasn't seen use in a long time now.

I do have a few VR games but whats sad is none of them really ever developed past demo's

Steam should consider gifting Valve index to its 1000+ Purchased game accounts, they would most likely buy VR games as well, cause i sadly don't see anyone on steam really purchasing VR titles , VR is not trending.



As for the Sim Racing Rig.

Damian a écrit :

I don't care if it's niche... simracing is also niche... still have a full 2k rig in my room.

might be why you can't afford VR Tracking Controllers, 2k sounds a little over spent and way to pricy, I can justify a 100 or 200 dollars for a decent wheel, but beyond that it is just silly. 300 + 50 for a shifter would get you a fine piece of hardware, the whole Flight Stick/ Cockpit set up would take way to much room anyway.

Sadly my First car didn't cost 2k and it got over 160,000 real miles and 20 years of life on it before it went to the great junk yard heap in the sky

hope you find Vr fun, i found it fun by also nausiating

but really do yourself a favor and just pick up any Blue Tooth VR controllers you can find, they all work indepandantly from the vr helmets anyway, they are not linked together for PC

[Satoru]

So here's how I afford things

1) I look in my bank account
2) I see how much money is there
3) I see how much it costs to buy stuff
4) I don't buy stuff if it costs more money than I have

Like this is some bizarre 'new' thing for people. But nope. these people demand stuff 'now'. They insist on instant satisfaction. They insist the world give them what they want on their terms. Despite their terms being unreasonable, or they accept being taken advantage of by predatory lenders because they failed the marshmallow test when they were kids. They think these are 'interest free loans' when they are absolutely not that at all.

[eram]

Use pay pal credit if you need a payment plan on steam.

[76561199540158642]

yeah true, take a bank loan out for personal use, other wise maybe just sell the 2k sim racing rig for 1k and take the loss and buy somthing else you want

[KalGimpa]

here you go

https://www.rtbshopper.com/collection/pc-gaming

https://www.nocompromisegaming.com/

should probably read this first, though

https://www.pcworld.com/article/2543936/nzxt-accused-of-predatory-scam-gaming-pc-rental-program.html