Do you evaluate any and all daily purchases in terms of coins?

I do. If, say, I need to spend $20-25* on a new 128 GB SD card, I actively think of the opportunity cost of a nice .999 silver coin I could buy instead. This goes for food, entertainment, utilities, etc - everything. I put everything in terms of government issue .999 silver rounds, or the next new coin I want to purchase. With this perspective, I determine if non-coin purchases are "worth it".

If I get stuck, I put it into extremes. For example, is the short term pleasure and memory of a whimsical night-out, worth buying and keeping long term a unique and rare silver coin that's not even on my wish list? It definitely depends on the specifics, but that's generally how I look at things.

How about you? Am I the only one that thinks like this (it may be a bit extreme)?


*Why? Because I want to future proof the things I buy with higher quality products so as not to buy them again or anytime soon - average yearly cost tends to be cheaper.

 

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Fortunately for me, or perhaps unfortunately, I have a $50/month budget so I don't have the pain of weighing everything I purchase against what coin or silver I would buy instead. I do, however, have every cent I make budgeted towards something, to include savings, and so I do compare what we are going to purchase (food, gas, going out, etc) with what we have in savings and what we could be saving.

 

You are a bit extreme, in my opinion.

 

The only thing I think about is how many coins are going to have to come out of my bank account purchasing that SD card or for that night out. I have a rough budget for coins that, relative to my bank account and paycheck, means I can buy the SD card, go out for the evening, and still buy a decent number of coins, and that's enough for me.

 

Seems as though the end result might be that your financially responsible to yourself rather than the consumption debt economy.

 

You've got coins on the brain.

 

I agree, but that makes iPen my brother in extremity.

 

I do that sometimes. I'll buy something that I probably didn't really need; more of wanting it and then think to my self I could have used the money to buy a coin or coin supplies.

 

I kinda do what you do only in reverse.... I calculate how much silver I need to liquidate to buy this or that.