Hello everyone! I need an advice too. I bought my first Cartier ring love a month ago. Now I am thinking to buy 2 bracelets- love and juste in clou . It will cost me 7850$. I have a stable job 90k per year but I don’t have too much savings . I’ve read here a great advice to enjoy your life today and buy it with no regrets. Will you spend this amount if you have not too much savings? Or how much savings do you need to have to buy these pieces without regrets? Hard decision…
How did you afford your Cartier Love pieces?
- Thread starter yayaisnan
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Everyone is different, but I do not buy until I have enough savings to feel comfortable. I’ve heard you need 3-6 months of expenses in your savings. Life is meant to be enjoyed, but I don’t buy luxury purchases until I have my bills paid and money in my savings, retirement, house, vacation, etc accounts.
It is easy sometimes to feel like I should buy before the next price increase, but I’m conservative with my money. I never regret waiting, saving, and feeling more financially secure before purchasing, even if it’s at a slightly higher price point. This is just my opinion though.
There's no right answer... it's so personal. Some people are totally OK with buying luxury items and sacrificing daily comfort or very, very rarely buying them. My personal opinion: I don't think it's worth it if you have to make big sacrifices. There's nothing luxury about that to me. Luxury is just the "cherry on top," it shouldn't change the actual substance that makes your life comfortable, secure, prosperous, safe, etc. In this case that's personal savings.
If you lost your job, would you be upset you bought these bracelets? Would you have to sell them if you didn't have a job for 3-4 months? If yes then, to me, definitely do not buy... I'd say that about any really expensive discretionary purchase. If you're financially secure enough but you just feel uncomfortable, maybe compromise with yourself and just buy one. Though if you just bought a ring, maybe wait longer anyway because maybe you have that after-shopping frenzy that will clear after a few months. Every time I buy something, I know I'm already planning how to buy more from that brand immediately... but it goes away after a few months!
What about a compromise? One bracelet now then the rest in savings? Best of both worlds
I absolutely agree with you guys!
I am trying to live 50/30/20 where 30% is wants , so when I bought a ring it was 1200$ and I did not feel guilty, I felt ok , like it is my wants and I can afford it.
I also booked a trip for me and my husband ( Xmas gift) and I think this is not the right time to buy 2 bracelets right now. I will try to see how much I will save for the next a couple months and as you mentioned buying a one piece would be enough for now.
If I would lost my job of course I would regret about this purchase. I’m not into luxury items honestly, like luxury clothes, bags and ect. Cartier ring was the first luxury thing I bought for myself. Feeling secure is much important to me and yes, you are right, maybe it’s just excitement for now lol .
My highest priority is savings to buy a house in the future. But I also have a quarterly bonus and I was thinking to build Cartier collection step by step ( buying one item per year with this bonus).
I am trying to live 50/30/20 where 30% is wants , so when I bought a ring it was 1200$ and I did not feel guilty, I felt ok , like it is my wants and I can afford it.
I also booked a trip for me and my husband ( Xmas gift) and I think this is not the right time to buy 2 bracelets right now. I will try to see how much I will save for the next a couple months and as you mentioned buying a one piece would be enough for now.
If I would lost my job of course I would regret about this purchase. I’m not into luxury items honestly, like luxury clothes, bags and ect. Cartier ring was the first luxury thing I bought for myself. Feeling secure is much important to me and yes, you are right, maybe it’s just excitement for now lol .
My highest priority is savings to buy a house in the future. But I also have a quarterly bonus and I was thinking to build Cartier collection step by step ( buying one item per year with this bonus).
Love your thinking about building things step by step! I love the chase/excitement of it all too. Part of the fun to me is planning my next purchase. I try to pace my purchases too so I have enough time to be excited for/love each piece.
YepLove your thinking about building things step by step! I love the chase/excitement of it all too. Part of the fun to me is planning my next purchase. I try to pace my purchases too so I have enough time to be excited for/love each piece.
what is the next Cartier item you would want to buy?I also think buying step by step is good for now , especially if i don’t have my own house . Something like 5000$ item per year is good for the beginning.
I am leaning towards getting a pair of trinity earrings for my sister for Christmas to start her luxury jewelry collection! But for myself, I’m not sure yet. There’s nothing that catches my eye currently, so I’ll just take this time to enjoy the pieces I do have.Yep
I also think buying step by step is good for now , especially if i don’t have my own house . Something like 5000$ item per year is good for the beginning.
Very good gift!☺️I am leaning towards getting a pair of trinity earrings for my sister for Christmas to start her luxury jewelry collection! But for myself, I’m not sure yet. There’s nothing that catches my eye currently, so I’ll just take this time to enjoy the pieces I do have.
Mix of things: work + not having kids + I’m European so even private pension schemes are reasonable here. But what I found works for me whether it comes to affording Hermes, Cartier, Chanel etc is focus. Something I had to learn - I don’t buy “things” (I used to to that big style and wasted tonnes of money - fast fashion clothes, way cheaper but unimpressive jewellery, ordering takeaway etc ).
I built up a savings and wanted to splurge for an upcoming milestone bday. I built the stack that I wanted (small love, small JUC with diamonds, diamond bangle and love ring) and bought a couple of handbags (Hermes, LV and Chanel). I bought them in a variety of ways 1) bonus 2) hubby gifted me 3) money that was gifted to me that I saved 4) credit card points - I pay for almost everything with a credit card to earn points (so long as there isn’t a fee) and had been banking points. I cashed out enough for a Chanel! Haha.
In the beginning, I couldn’t get myself to pay thousands of dollars upfront. I have excellent credit so I decided to apply for a credit card that offered 0% interest rate for 15 months and 2% cash back on all purchases. I divided the cost by 15 months and made monthly payments. Please keep in mind that I was living with my parents, student debt free, organized with my finances, stable career, etc.
My advice: if you love it then treat yourself because the price will keep increasing. Jewelry is lasting and Cartier has great customer service. I understand those that think you should wait, but I disagree because life is short. You will have additional expenses when you have a family.
You deserve it for all your hard work!!
My advice: if you love it then treat yourself because the price will keep increasing. Jewelry is lasting and Cartier has great customer service. I understand those that think you should wait, but I disagree because life is short. You will have additional expenses when you have a family.
You deserve it for all your hard work!!
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I waited until I was done with all my doctoral degree and internships. And I am glad I did because I appreciate jewelry now much, as I grow older, than ever before. When I was in my 20s', I spent money on bags, travels, shoes, and schools. Now, I appreciate blink and do not hesitate to buy it.
I make decent money and am I also very good with money (always have been) and if I cannot afford something or cannot justify the price even if I could afford it (no matter how popular the brand or item is), I will not purchase it as it would create more resentment than joy from that purchase. My husband also loves buying me jewelry so together we can share the purchases (for me
).
I make decent money and am I also very good with money (always have been) and if I cannot afford something or cannot justify the price even if I could afford it (no matter how popular the brand or item is), I will not purchase it as it would create more resentment than joy from that purchase. My husband also loves buying me jewelry so together we can share the purchases (for me
).
Why would you let what others think dictate what you buy/wear? These people have no business in how you spend money that belongs to you in the first place. A couple of times, my work colleagues commented that it was very irresponsible of people to buy expensive things when the money could be used to help others, I usually respond with: You don't know what people are doing with their money besides buying expensive things, they could be donating to charity too, in fact, they could be donating more to charity than you. And unless you donate all of your disposible income to charity, you're a hypocite.
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