Friday, January 11, 2019

Planning for Big Ticket Items



Investing in the right mobility equipment can make a world of difference in your daily life. There’s nothing like having a high-quality power chair or scooter with appropriate seating and features to make your life a thousand times easier. Once you reach a certain point in your life, even the smallest of tasks can seem like a hassle. It is important that you invest in the mobility equipment that is best suited for both your lifestyle and your needs. These items are a necessity to go about your daily life, but they can also be expensive.



Start Small: Your purchase may seem more manageable if you divide its price into a monthly, weekly or daily savings plan. Saving just $5 a day or $35 a week can help you save $150 a month, which eventually turns into $1,800 a year. If you receive your income biweekly, you can opt to have a certain amount automatically withdrawn from your checking account, which will help you buy the item you want in no time.

Finance Options: This may not be your first option or initially your most desired one, but it is definitely the most convenient and works for a lot of people on fixed incomes. At PHC Online, we understand that sometimes money can be tight, which is why we offer a couple of different practical financing options for our customers. We offer 12- to 24-month payment plans for larger items ranging in the $300-$5,00 price range. Although you may prefer to purchase an item outright, this is a luxury you may not be able to afford. Visa and Mastercard can be paid over time. Our monthly payment plans let you place your order for convenient and practical mobility equipment today.

Cut Down Temporarily: We hardly notice $5 spent here and there, but if you spend the same amount consistently, it can really add up. When was the last time you spent that on a latte, or an appetizer at your favorite restaurant? Cut out the little things that you can live without for a moment; your future self will thank you for making a small sacrifice.

Reduce Your Bills: Find ways to save a few dollars here and there by calling your cable, internet and insurance providers to see if you can get a better rate. Who knows, you might be able to save an extra $20-$50, which you can now send directly to your savings each month.

Place It on a Credit Card: It seems like the obvious thing to do, but don’t place your big-ticket item on one of your current cards; instead, apply for a new one. Many credit cards don’t charge interest to new customers in the first six months or offer double the points or cash back when you spend a certain amount in the first three months. Use your credit card to pay some bills and then pay it off. This will help you get enough reward money or points to use toward your purchase.

Don’t let a price tag prevent you from purchasing the mobility or respiratory equipment you need to carry on with your daily tasks. If all else fails and you find yourself unable to save money and need a replacement wheelchair or respiratory tool, our finance options for big-ticket items may be the most convenient choice for you. At PHC Online, we have plenty of options that can make your life a whole lot easier now.