{"id":4763,"date":"2021-08-23T20:49:21","date_gmt":"2021-08-23T20:49:21","guid":{"rendered":"https:\/\/polamfcu.com\/?p=3695"},"modified":"2021-08-23T20:49:21","modified_gmt":"2021-08-23T20:49:21","slug":"making-a-big-ticket-purchase","status":"publish","type":"post","link":"https:\/\/polamfcu.com\/pl\/blog\/making-a-big-ticket-purchase\/","title":{"rendered":"Making a Big-Ticket Purchase"},"content":{"rendered":"<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-3696 img-responsive\" src=\"https:\/\/polamfcu.com\/wp-content\/uploads\/2021\/08\/Making-a-Big-Ticket-Purchase.jpg\" alt=\"\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>You know that feeling &#8211; the one where you\u2019ve got your eye on something big, expensive, and perhaps not in your price range, and you know you have to have it. The itch to make a big-ticket purchase is not abnormal, but you have to know when to take the plunge or put your wallet away, no matter how tempted you may be.<\/p>\n<p>&nbsp;<\/p>\n<p>Before you give in to temptation and make your purchase, here are a few things to consider first:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Take a minute to think about it.\u00a0 <\/strong>Oftentimes, big-ticket purchases are also spontaneous purchases, without taking into consideration financial risk factors. Take a few days after you\u2019ve been tempted to see if it\u2019s something you really need, and if it\u2019s something you can afford. You find out, after time has passed, that you\u2019re no longer interested in what you were going to buy.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Figure out what\u2019s driving your decision.\u00a0 <\/strong>When it comes to expensive purchases, it\u2019s important to figure out if it\u2019s something you actually need, or something you just want. Buying something just because you desire it is not a problem in and of itself &#8211; but it becomes a problem when you can\u2019t afford it. Take some time to assess your emotional drive behind wanting to make this purchase.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Look at your budget and any upcoming payments you might have.\u00a0 <\/strong>Let\u2019s say you\u2019re leaning toward making this big-ticket purchase &#8211; what\u2019s next? First, take a look at your monthly budget and how much financial freedom it brings you. If you are already paying off debt from a loan or credit card, it might not be a good idea to add to that debt.<strong>\u2028<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Decide how you\u2019re going to pay for your big-ticket item.\u00a0 <\/strong>As mentioned before, if you are already paying down a loan or credit card, it might be wise to think twice. However, if you\u2019re free and clear of debt or are simply in a financial position to make a big purchase, we\u2019re here to help. Polam offers low-interest personal loans for our members, and our VISA credit card is designed to work with any lifestyle. Visit one of our branches, and we can help you get started.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; &nbsp; You know that feeling &#8211; the one where you\u2019ve got your eye on something big, expensive, and perhaps not in your price range, and you know you have to have it. The itch to make a big-ticket purchase is not abnormal, but you have to know when to take the plunge or put &#8230; <\/p>\n<div class=\"read-more-box\"><a class=\"btn\" \n href=\"https:\/\/polamfcu.com\/pl\/blog\/making-a-big-ticket-purchase\/\">Continue reading<\/a><\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[5],"tags":[],"class_list":["post-4763","post","type-post","status-publish","format-standard","hentry","category-blog"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Making a Big-Ticket Purchase - Polam Federal Credit Union<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/polamfcu.com\/blog\/making-a-big-ticket-purchase\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Making a Big-Ticket Purchase - Polam Federal Credit Union\" \/>\n<meta property=\"og:description\" content=\"&nbsp; &nbsp; You know that feeling &#8211; the one where you\u2019ve got your eye on something big, expensive, and perhaps not in your price range, and you know you have to have it. The itch to make a big-ticket purchase is not abnormal, but you have to know when to take the plunge or put ... 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