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<p>[QUOTE=&quot;Prime Mover, post: 2757768, member: 38783&quot;]I use PM&#039;s as my &quot;forced savings&quot;.&nbsp; I do side jobs, I scrap a lot and buy PM&#039;s with the money I get from that stuff so I don&#039;t dip into my regular paycheck for it.&nbsp; Since it&#039;s in physical form it forces me to save the money rather than being in my normal account where it would most likely end up spent.</p><p><br /></p><p>Since I don&#039;t have any more credit cards and live on cash, when I need to buy something big, I will seek to cash out to help pay for it.</p><p><br /></p><p>For example a couple years ago I needed a new car.&nbsp; I happen to know well the owners of one of the local family owned car dealerships so I was able to take a pile of it over there and use it as a down payment so I could finance a lesser amount.&nbsp; It helps when you know someone who is also into PM&#039;s and willing to take it as trade <img src="styles/default/xenforo/clear.png" class="mceSmilieSprite mceSmilie1" alt=":)" unselectable="on" unselectable="on" /></p><p><br /></p><p>So, I buy whenever I get money from my side efforts, and sell when I need to, otherwise it sits and accumulates.&nbsp; I don&#039;t watch the price, I don&#039;t care about it.&nbsp; Some may say its foolish and I&#039;m &quot;losing&quot; money by doing it this way, but honestly it doesn&#039;t bother me.&nbsp; I&#039;m not looking to use this as my retirement.&nbsp; Besides, I figure the money I&#039;m not spending in interest on my credit cards for carrying a balance more then offsets the buy/sell penalty I&#039;m taking.[/QUOTE]</p><p><br /></p>

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