topic Re: IT'S OVER!!!! in Community Chat

IT'S OVER!!!!

so so — Sat, 03 Mar 2018 14:56:27 GMT

I have paid all my easy pays off!!!! What a load off... That will never happen again....it feels so freeing. now to attack some medical bills.... ugh. always something. Not buying anything from the Q unless I can pay cash..

Re: IT'S OVER!!!!

Bird mama — Sat, 03 Mar 2018 14:57:40 GMT

@so so Congrats - your getting there bit by bit.

Re: IT'S OVER!!!!

KathyM23 — Sat, 03 Mar 2018 15:16:40 GMT

@so so I got stuck in the easy pay circle too. I have such a stack of invoices to reconcile with my statement between new purchases on easy pay and 5 and 6 easy pays on past purchases, the invoice stack grows instead of shrinking. When I have all my easy pays posted on my statement and paid, I'm going to forego the easy pay. It is a good option for expensive items or if you don't purchase often and want to budget a purchase.

Re: IT'S OVER!!!!

wagirl — Sat, 03 Mar 2018 15:27:04 GMT

those monthly easy pays are the devil!!!!!

Re: IT'S OVER!!!!

millieshops — Sat, 03 Mar 2018 15:28:04 GMT

I fully understand wanting to pay off debt - and that's what EZPay is.

I am fortunate that I could pay off my current EZPays, but for me, having to make all those payments all the time on my credit card is a constant reminder to me to buy what I need instead of what I want until the EZPays are much lower! I've changed from the random, impulse buyer I was some years ago, but as with any other habit, changing it requires constant attnetion.

@so soI don't need much general retail right now. I do have several products on my Auto-delivery list and I've just gone into my account and skipped shipments for the next 10 weeks! By then I hope to feel a bit of that freedom you've gotten for yourself. In the meantime, I'll hope you stay healthy and can also get those medical bills under control.

Re: IT'S OVER!!!!

NickNack — Sat, 03 Mar 2018 15:35:27 GMT

I never use the easy pay option. I don't make large purchases from QVC though. One time I purchased something for around $20 and forgot to check that it was to be paid one time. I had something like six very small payments. I was so glad when that was paid off.

Re: IT'S OVER!!!!

Mominohio — Sat, 03 Mar 2018 15:38:35 GMT

Easy Pay is one of those blessings/curses in life!

It really is like paying cash, in that if you keep current, you are incurring no interest.

It lets me keep my QVC purchases separate from other things I order online and use a credit card for. And for me that was eye opening, realizing just how much I was spending at the Q. When it all went on one card with other shopping, it was easier to ignore just how much of that was Q spending.

It can keep you hooked, because the small multiple payments individually seem so doable, but they certainly can add up. And some thing financed over five or six months is a help, other things, it simply is an enabler to buy more than we need.

Re: IT'S OVER!!!!

kelsey17 — Sat, 03 Mar 2018 15:47:40 GMT

Congrats!

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SXMGirl — Sat, 03 Mar 2018 15:51:13 GMT

@so so, Congrats! I have started using PayPal, where you cannot use easy pay.

Re: IT'S OVER!!!!

GCR18 — Sat, 03 Mar 2018 16:18:30 GMT

Yahoo 🎉

Re: IT'S OVER!!!!

LexPex — Sat, 03 Mar 2018 17:15:28 GMT

Congrats, I know it must be satisfying I only use easy pay when I think I may return something so that way I only pay a portion before I receive the credit I did use it for my Vitamix since I didn't have it in my monthly budget to pay $400 in one shot.

Re: IT'S OVER!!!!

libbyannE — Sat, 03 Mar 2018 17:25:30 GMT

Good for you. I would hate owing money or using something that I know isn't even paid for!

Re: IT'S OVER!!!!

Tinkrbl44 — Sat, 03 Mar 2018 17:31:50 GMT

@so sowrote:
I have paid all my easy pays off!!!! What a load off... That will never happen again....it feels so freeing. now to attack some medical bills.... ugh. always something. Not buying anything from the Q unless I can pay cash..

@so so

??? If you don't mind me asking, just how much was the total purchases, anyway? Several hundred? Several thousand?

Re: IT'S OVER!!!!

Tinkrbl44 — Sat, 03 Mar 2018 17:37:52 GMT

@wagirlwrote:
those monthly easy pays are the devil!!!!!

@wagirl

Seriously? It seems to me that the easy pay option is just that .... an option.

Seems to me that the REAL problem is that people are buying things that put them into uncomfortable debt levels .... evidence of bad financial management.

The REAL problem is the person's actions .... NOT the so-called "devilish" easy pay feature. Good grief.

Re: IT'S OVER!!!!

Patriot3 — Sat, 03 Mar 2018 17:37:54 GMT

That is why I never use easy pay. Too hard to keep track and too easy to over spend. I figure if I can't pay the whole thing, I don't need it.

Re: IT'S OVER!!!!

Trinity11 — Sat, 03 Mar 2018 17:43:16 GMT

Congratulations!!

The only reason I use Easy Pay is when I purchase something and I am not sure if I am going to keep it. Sizing on clothing here is all over the place. That way I only laid out a small amount of money rather than the full price of an item if I need to return it.

It works for me but do understand how it may be difficult for some. The minute I receive the item I decide whether I am keeping it and then pay off all the easy pays ahead of time. That way they are not hanging over my head to pay over a few months.

Re: IT'S OVER!!!!

Tinkrbl44 — Sat, 03 Mar 2018 18:30:30 GMT

@Trinity11wrote:
Congratulations!!

The only reason I use Easy Pay is when I purchase something and I am not sure if I am going to keep it. Sizing on clothing here is all over the place. That way I only laid out a small amount of money rather than the full price of an item if I need to return it.

It works for me but do understand how it may be difficult for some. The minute I receive the item I decide whether I am keeping it and then pay off all the easy pays ahead of time. That way they are not hanging over my head to pay over a few months.

@Trinity11

Ditto .... there are plenty of good reasons to use the EP option.

For retirees on a fixed income, it's helpful to purchase several holiday gifts for grandkids in advance.... or if someone is taking a new job and needs to buy several pieces of business attire .... but for impulse buyers, it can certainly be a real problem.

I remember when I first discovered QVC .... one of my first EP purchases were somewhat expensive food items. The following month I looked at the upcoming monthly totals and thought .... how stupid is it to make payments for several months on food I ate ages ago? It really put things in perspective, very quickly.

Re: IT'S OVER!!!!

lulu1 — Sat, 03 Mar 2018 23:43:19 GMT

When I first started watching QVC, (25+ years ago) I had a Q card and used EZ pay. When the monthly bill came, I found I could not remember what the EZ pays represented.

I cut up the card and said never again.

Over the years I've been floored when posters discuss how many EZ payments they have monthly.

Yes, EZ pay has its place but (IMO) more often than not, it encourages people to buy things they cannot really afford, and do not really need.

Then again it is none of my business how others choose to spend their money.

Re: IT'S OVER!!!!

viva923 — Sat, 03 Mar 2018 19:00:20 GMT

those ez pays are a real draw but once you begin to get hit monthly with each pay out, you realize they are not so EZ pay's.

Re: IT'S OVER!!!!

chrystaltree — Sat, 03 Mar 2018 19:12:32 GMT

I probably would have taken care my medical expenses before I bought things on Easy Pay. However, you're free now and hopefully you won't succumb to the lure of EP again.