I went to high school/college in the late 90’s/early 2000’s and it was during these years where my income was fairly disposable. Let’s be realistic when you’re a teenager you’re not exactly thinking too hard about saving for your future but as an adult I’m much more conscious about my spending.

Here’s a list of crap I can’t afford anymore.

Action Figures
This was probably my worst vice, I loved collecting Transformers, Star Wars, Toy Story and a bunch of other action figures. They weren’t overly expensive but that stuff tends to add up, plus I started to run out of room to store them. When I got engaged I decided to sell a ton of them to help fund the wedding, of course I ended up taking a loss.

Sure I can still afford this “hobby” of mine but I currently don’t have the space and the money saved is better used on other things.

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Not my collection

Not my collection

DVDs / Blu-Rays
I guess seeing the movies in the theatres wasn’t good enough, I would end up buying them on DVD/Blu-Rays when they came out.  This was clearly a waste of money but when your money is disposable you don’t make rational purchasing decisions.  I never buy movies for home anymore, it’s just a cost that is unnecessary.

Club Monaco
Club Monaco was the best thing ever in the late 90’s; the clothing was unique, stylish and affordable. Of course that all changed shortly after they were acquired by Polo Ralph Lauren in 1999, what used to be affordable even for me as a high school student is no longer the case. Club Monaco is expensive! I have a full time job now and I can’t afford the clothes there anymore, seriously $160 for a dress shirt?

They do on occasion have really good sales, so I still like to browse the store but will only make a purchase if there are deep discounts.

iPhone
When iPhones were first released in 2007 they revolutionized the cell phone market and everyone had to have one including me. Back then iPhones were reasonably priced if you signed a multi-year contract with a data plan but the new iPhone 6 costs $100 more.

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Lineup for the iPhone6 on launch day

Lineup for the iPhone6 on launch day

The thing is, iPhones are no longer ground breaking and they are expensive. Android phones are much cheaper and they are arguably more user friendly.  I switched to an Android phone just over a year ago and I have no intentions of ever going back to Apple.

Video Games
Whenever a big title video game was released I would have it pre-ordered so I could play it as soon as it was released. Games were a little cheaper back then ranging form $50-60 but I was buying them on a pretty regular basis. I still play video games to relax but these days I wait for them to go on sale or I just buy them used. I also trade in my games as soon as I’m done with them to get a little money back.

Final Word
To be honest I could probably still “afford” these things today but I’ve decided that there are better things to spend my money on. Actually when I get a bigger place I might start collecting Transformers again, just don’t tell my wife.

Is there any crap that you can’t afford anymore?

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36 Comments

  1. Brian So on September 29, 2014 at 12:45 am

    I can’t afford those extremely light $250 composite hockey sticks anymore, which makes me sad. But I get good mileage out of a 2-piece stick. If the blade breaks I simply replace it with another one, which only costs $30.

    • Barry Choi on September 29, 2014 at 9:12 am

      Although I love hockey thank goodness I never actually played. That’s one expensive sport!

      • Brian So on October 2, 2014 at 11:09 pm

        True. Out of all the popular sports I think hockey may be the most expensive, although skiing/snowboarding must be up there too when you factor in the lift ticket.

  2. Big Cajun Man on September 29, 2014 at 8:41 am

    This is why you need an Ebay account and find out how to make a fortune SELLING (and shipping) CRAP! I don’t make such moneys, but I have heard of folks who do that.

    • Barry Choi on September 29, 2014 at 9:13 am

      Alan,

      I sold a ton of my old toys locally via redflagdeals.com, and craigslist, funny how when I was younger I thought I would make a fotune of those figures. Nope.

  3. Potbelly on September 29, 2014 at 8:50 am

    I can’t afford to modify my car anymore. You never get your money back on lowering your car, getting a nice exhaust, or whatever. Customizing / modifying your car is just for you. Nobody else will appreciate it.

    • Barry Choi on September 29, 2014 at 9:18 am

      Potbelly,

      Funny that you say that, I know people who still continue to modify their car even though they can’t afford it. The higher the income, the more mods they make.

  4. Cindy on September 29, 2014 at 9:04 am

    The older I get, the less likely I am able to ‘afford’ things.

    • Barry Choi on September 29, 2014 at 9:19 am

      Cindy,

      Unfortunately I know the feeling, seems like the older I get, the harder it is to save. It’s not like I’m spending more, life just gets more expensive with age.

      • Cindy on September 30, 2014 at 11:48 am

        Yes, life does seem to get more expensive with age. I actually meant that despite the fact that I make more money than I have ever before, I find myself becoming less and less frivolous with the money I am earning. Things that I thought I was able to ‘afford’ in my younger years seem to be less important/too ‘expensive’ now, despite the fact that I make exponentially more money now.

        • Barry Choi on September 30, 2014 at 11:50 am

          Cindy,

          I 100% agree, it’s not like I “can’t” afford these things anymore, it’s more that I definitely could spend my money on better things e.g. saving for my retirement.

  5. Cristina ✈ (@travelingjourno) on September 29, 2014 at 3:54 pm

    I’m with you on all of these things. I travel with a carry-on only and the more I travel the more I realize I don’t need anything more than what i can fit in my carry-on. Actually, it’s the 80/20 rule. 80% of the crap we own we actually don’t even use or really need – we only use 20% of what we own, so why keep it? The idea between “want” and “need” has become so skewed in North America. Oh and I would add my car to the list (which I also got rid of 🙂

    • Barry Choi on September 29, 2014 at 4:01 pm

      Cristina,

      Ha my car I “need”. I definitely love travelling with carry on only but my wife always checks her luggage so I need to wait anyways.

  6. Tawcan on September 29, 2014 at 5:16 pm

    I was definitely guilty of buying DVD’s and CD’s back in my younger days. I’ve been traveling lighter and lighter recently too.

    • Barry Choi on September 29, 2014 at 6:10 pm

      Tawcan,

      Uggh I tried selling some of my DVD’s recently, you can’t even give those things away now.

  7. Dollarsense on September 30, 2014 at 1:51 am

    Add the McMansion to the list. Who wants to work part and full time to pay the mortgage, and then spend the only day off cleaning rooms you don’t even use? Nope, I’ll take a smaller home and more time.

    • Barry Choi on September 30, 2014 at 9:13 am

      Dollarsense,

      Nice tip, I’m actually saving “buying too much house” for a future post I’m working on “Guaranteed ways to go broke”

  8. Lorne Marr (@lornemarr) on September 30, 2014 at 11:50 am

    I have a rule every time I buy a new piece of clothing I give one away. It lets you get a good handle on what you have and saves on closet space

    • Barry Choi on September 30, 2014 at 11:52 am

      Lorne,

      Oh that’s a good one, maybe I’ll pass that on to my wife next time she decides to buy another pair of shoes she “needs”. Actually, no chance she does that =D.

  9. Dan @ Our Big Fat Wallet on September 30, 2014 at 11:07 pm

    I was hoping you were going to admit that collection of action figures was yours. That lineup for the new iPhone is sad (and insane)

    • Barry Choi on September 30, 2014 at 11:11 pm

      Dan,

      I actually wish that collection of Transformers was mine, they are all Generation 1! The iPhone pic I took was at 2pm, the line was significantly longer in the morning.

  10. Tiffany on October 1, 2014 at 12:22 pm

    Great post! I agree with the CM thing, it’s sad… and I will always be breaking my back for a new iPhone… #dontjudge lol

    • Barry Choi on October 1, 2014 at 12:30 pm

      Tiffany,

      Unless there is a sale on top of the sale, I’m not shopping at Club Monaco. Just go Android, the new iPhones are basically the same as a 2 year old Samsung.

  11. […] Many of us grow to value experiences over things.  Barry Choi at Money We Have shares a list of crap he can’t afford any more. […]

  12. […] from Money We Have lists out all the things he bought as a child that he can’t afford anymore. Once you become a financially responsible adult, you’re more conscious of what you’re […]

  13. Roger on October 3, 2014 at 11:58 pm

    But you can still afford to do your bit at ending the horrendous practice of pluralising every word by adding an apostrophe s (‘s) to the singular form.
    “DVD’s” is to some degree American practice but is mostly wrong. ”
    “iPhone’s” is simply wrong, wrong.

    • Barry Choi on October 4, 2014 at 12:30 am

      Roger,

      You’re 100% right, I have no excuse for this. Thanks for bringing it to my attention. I’ll make those corrections now.

  14. Lance @ HealthyWealthyIncome on October 6, 2014 at 2:14 pm

    I used to buy signed baseball bats. I had a huge collection on the wall. One day when moving one of my bats tore part of the wall off my apartment which I had to pay for. Then I got thinking…what good are these bats that just sit there? I’ve sold off all my “toys” and now just look back at all the DVD’s, CD’s, bats I used to have and wonder what if I had saved that money. Oh well, live and learn and move on.

    • Barry Choi on October 6, 2014 at 3:23 pm

      Lance,

      I used to collect comic book collector cards because I was convinced they would go up in value. I don’t even think they make them anymore and I eventually tossed most of them just to conserve space.

  15. dojo on October 8, 2014 at 8:41 am

    I never spent money on ‘crap’, since I never had too much anyway. My only ‘vice’ was running web sites (and starting many), but they also earned me money, so it wasn’t such a huge deal.

    • Barry Choi on October 8, 2014 at 9:20 am

      Dojo,

      That’s awesome! I was fortunate enough to have disposable income when I was younger so I did end up buying crap. Thankfully I’ve cut back considerably.

  16. ChinaMatt on November 8, 2014 at 8:27 pm

    Life in general got more expensive. I sold the car I had since I was 17 because I couldn’t afford to keep it or buy a new one. The last year I was in the US my healthcare was ridiculous. Back in 2002 when I made all of $25,000/yr., I paid little for doctor visits and medication. Last year when I needed some doctors and medication, I had to spend almost $2000–and I had insurance.

    • Barry Choi on November 8, 2014 at 9:03 pm

      ChinaMatt,

      That is some serious inflation! Thank goodness in Canada our healthcare is covered.

  17. Tom on November 21, 2014 at 2:39 pm

    I used to spend a lot on books. Now, I just reserve them at the Public Library and they e-mail me when they’re ready to be picked up. If I don’t like a book, I’m not out a cent.
    Twice a year Rex Murphy devotes his “Cross Country Checkup” program to listeners favourite reads. The suggestions and their synopses are listed on the CBC website. I find a lot of good recommendations there.

    • Barry Choi on November 21, 2014 at 3:10 pm

      My wife does a combination of library and ebooks. She’s a bit a booknerd so doesn’t mind buying them now and then.

  18. Crap I Can't Afford Anymore - Rockstar Finance on November 30, 2014 at 8:55 am

    […] Go to article […]

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