Good morning everyone, I would like to know how most of you acquire your photo gear, do you pay cash for everything or is there a way to finace some gear at a lower rate than credit cards? I save money as much as I can but things come up and you have to pay for stuff, and so I put my photography purchases on hold and it seems like it stays there forever. I have a full time job and I make money here and there from photography but its annoying borrowing equipment or renting all the time and missing opportunities for great shots or business.
I buy a lot from Amazon.com. I have their store card, and for certain amounts of purchases, I get 6mos up to 12mos interest free. I do that and pay them off before interest sets in.
I've gotten some $$$ gear from Crutchfield, and entered their points rewards system. I bought my 5D3, kit lens and 85 f/1.8 from them...first purchase bonus points, plus found coupon code to double those rewards points.
Next time things went on sale, I got my 70-200 f/2.8 II USM L lens for about $1490 or so (i'd have to look up exact figure). Again, they offered 'instant financing' on site, I have on that one I thinik 6 mos interest free. I set up auto pay from my checking account and will have it paid off by close of deal date.
I order off the internet. No sales tax charged from any of the online sites to my state, and I take advantage of free shipping and interest free financing.
I'm the type of person that HAS the money in the bank before I buy things, I'll never get into credit card h*ll again, it took awhile years back to get out of it. But I will take advantage of interest free charge/financing...and keep my cash in the savings drawing interest and let those companies 'pay' for my financing of nice shiny toys.