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Old 12-09-09, 09:10 AM   #1
datlas
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Buy "credit card" with cash? I have slush fund dollars and want to buy online - HELP

I don't know whether to post this inquiry in the 41 under swag-aholics but I figure it is better in FOO.

Like most cyclists, I like to buy bike stuff...and my spouse watches the credit card statements like a hawk.

I put aside 20-40 dollars a week for "off the record" SWAG - but the best deals are not at the LBS where I can pay cash, but online (like probikekit.com) and to buy from them I need a credit card.

Can I just go to a bank or some financial services place, lay down $300 and "buy" a credit or debit card? I don't want to give them my phone number or address since this may come back to bite me if my wife finds out.

I don't want to get into any cloak-and-dagger situations or raise the suspicion of DHS (dept of homeland security) but I am hoping there is a quick and easy way to turn my cash into a credit or debit card that I can use to buy bike stuff online.

Any thoughts or suggestions?

Doug
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Old 12-09-09, 09:21 AM   #2
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Hiding things from your SO isn't very healthy.
That being said you could get a prepaid card, po box, and use your cell phone.
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Old 12-09-09, 09:26 AM   #3
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Thanks I should just get a prepaid card.

I would love to tell my spouse but she just doesn't "get" cycling.
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Old 12-09-09, 09:28 AM   #4
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Hiding things is not good, but... Hiding things is plain sight is just fine. Our joint bank accounts are with BOA. She has a checking account with TDBank, I have one with Chase. Both accounts have Debit cards issued. Both accounts have our individual cell phones as numbers. Each account has our individual work address as the record, and both accounts are wireless, meaining that everything is done on line.

We both know about the other's account, and don't concern ourselves with it. Its worked for 28 years just fine.
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Old 12-09-09, 09:34 AM   #5
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I'm not generally for hiding things from one's spouse. That said, just give the $300 to a friend and have them order it on their card. I've did that on Ebay several years ago when I had friends who wanted to buy something but did not want to set up an Ebay account. Alternatively, tell the wife you're buying it, and then hand her the cash from your cash supply to put in to the credit card payment. If she has a problem with you spending your $$ however you want, that's a separate issue.
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Old 12-09-09, 09:51 AM   #6
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Get a buddy to buy it online. Then pay him cash for it. Tell your wife you bought it used and saved money.
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Old 12-09-09, 09:57 AM   #7
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Dear Mister Datlas,
Allow me to introduction myself. I am the president of a big international corporation, Metzinger INTL. We are hearing about your situation and feel compelled to help. I have instructed my finance department to apply for a credit card on your behalf. You may send me the cash by mail so that we may create a positive balance on the card. Then use the card number however you want. Products will be shipped to us, then forwarded to you. For this we will charge a small fee.
Did I mention that I am also royalty?

Looking forward to your first letter.



But on a serious note... $20-40 per week? That's a spankload of swag!
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Old 12-09-09, 10:29 AM   #8
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Won't you need a p.o. box, to keep her from seeing the U.P.S. guy? So, you could open a checking account, with the p.o. box as the address. Then, you'd have a safe place to store the cash, too.

A different way out, maybe: Could you commute to work, and convince her that you have 'earned' the money saved on gas, and the right, then, to spend it on bike stuff? There would be no 'net' cash flow out, and you would not have to sneak around. It would be harsh if she could not go for that.

p.s. I don't think $30 a week is too much. I could easily spend that and still want more.
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Old 12-09-09, 11:02 AM   #9
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Originally Posted by datlas View Post
I don't know whether to post this inquiry in the 41 under swag-aholics but I figure it is better in FOO.

Like most cyclists, I like to buy bike stuff...and my spouse watches the credit card statements like a hawk.

I put aside 20-40 dollars a week for "off the record" SWAG - but the best deals are not at the LBS where I can pay cash, but online (like probikekit.com) and to buy from them I need a credit card.

Can I just go to a bank or some financial services place, lay down $300 and "buy" a credit or debit card? I don't want to give them my phone number or address since this may come back to bite me if my wife finds out.

I don't want to get into any cloak-and-dagger situations or raise the suspicion of DHS (dept of homeland security) but I am hoping there is a quick and easy way to turn my cash into a credit or debit card that I can use to buy bike stuff online.

Any thoughts or suggestions?

Doug
Um, if you pay the bills, don't have debts, have enough food etc, shouldn't you be allowed to spend a little $ here and there on your hobby?
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Old 12-09-09, 11:08 AM   #10
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I have tons of debts and still buy stuff.
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Old 12-09-09, 11:17 AM   #11
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Dear Mister Datlas,
Allow me to introduction myself. I am the president of a big...
More like an advertisement...
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Old 12-09-09, 11:22 AM   #12
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I have tons of debts and still buy stuff.
My point is, why doesn't he get some discretionary spending? I'm assuming dude works for a living (maybe his spouse does, too) While I applaud his spouses's efforts to keep their debts minimal (debt sucks) I don't think it's fair OP isn't allowed to spend $ on himself, once household costs are taken care of.

I have some debt, so I try to put a stranglehold on my spending, sometimes too much of a stranglehold.
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Old 12-09-09, 11:28 AM   #13
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Oh what a tangled web we weave...
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Old 12-09-09, 01:25 PM   #14
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If you use Occam's Razor to cut away all the ridiculousness here, you're left with a simple strategy: Tell your wife that you've been saving up for some bike stuff you want or need.
+1, you're both adults.
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Old 12-09-09, 01:29 PM   #15
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If you use Occam's Razor to cut away all the ridiculousness here, you're left with a simple strategy: Tell your wife that you've been saving up for some bike stuff you want or need.
Is that better than a Gillette Mach III turbo? I still sometimes nick my head when shaving it.
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Old 12-09-09, 01:32 PM   #16
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Thanks for the tips, kids.

And no thanks to the ?nigerian scam offer.

My wife and I do have a good marriage, but she is VERY thrifty and watches expenses like a hawk. And that is good. But if I want a new set of pedals (considering Keo 2 max, BTW, anyone try them??) she will give me a lot of grief about spending the money on them. Every relationship, I am sure, has its little idiosyncrasies and this is ours.
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Old 12-09-09, 01:38 PM   #17
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I have a bike swag fund. It's a savings account in my name but it's linked to the joint checking account. If I buy stuff online (and that includes race fees), I'll just transfer the sum over to the jt. account as necessary. The family CFO pays the cc bills out of the jt. account and everyone's happy.
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Old 12-09-09, 01:46 PM   #18
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Thanks for the tips, kids.

And no thanks to the ?nigerian scam offer.

My wife and I do have a good marriage, .
Incorrect. If either of you is hiding money spending, that is not indicative of a healthy relationship. You should both have equal say in how the money you make is spent. Money is a HUGE issue in relationships/marriages.
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Old 12-09-09, 02:26 PM   #19
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Incorrect. If either of you is hiding money spending, that is not indicative of a healthy relationship. You should both have equal say in how the money you make is spent. Money is a HUGE issue in relationships/marriages.
And you should take relationship advice from someone who is not currently in a live in relationship!
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Old 12-09-09, 02:28 PM   #20
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And you should take relationship advice from someone who is not currently in a live in relationship!
I was previously married for 5 years, not to mention the fact I was in a live-in relationship last year for several months. Thanks for assuming I don't know what I'm talking about, Mr. Knows All.
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Old 12-09-09, 02:30 PM   #21
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I was previously married for 5 years, not to mention the fact I was in a live-in relationship last year for several months. Thanks for assuming I don't know what I'm talking about, Mr. Knows All.
My point was that every relationship is different, and there is no SHOULD that applies to everybody.
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Old 12-09-09, 02:32 PM   #22
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My point was that every relationship is different, and there is no SHOULD that applies to everybody.
Incorrect. There are common issues in nearly every relationship. Money is one of the biggest factors in divorce/breaking up etc. Not having consensus on how the money is going to be spent, having one partner being a penny pincher and the other not can cause huge problems.

How many live-in relationships have you been in? Or long term relationships? Why should we believe what you say?
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Old 12-09-09, 02:33 PM   #23
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I have a friend, and he and his wife basically each pay themselves an "allowance" in their budget. They can spend it, save it, give it away as they please. Perhaps the two of you should discuss a similar arrangement. Then there will be no need to have a "slush" fund, etc. and no guilt on either part. Perhaps your wife is doing the exact same thing to fund her hobby or recreational activity.

My wife knows what I spend on biking, and it is cheap compared to some of my friends hobbies. I know what she spends on the wine she likes to drink. Or I could easily find out if I was concerned about how much she spent on wine is a more apt description.

That said, I have in the past had a buddy buy biking gear for me and I paid him cash. Did not really hide it from the wife, as she never asked about it. All she has to do is ask.
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Phobias are for irrational fears. Fear of junk ripping badgers is perfectly rational. Those things are nasty.
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Old 12-09-09, 02:40 PM   #24
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Incorrect. There are common issues in nearly every relationship. Money is one of the biggest factors in divorce/breaking up etc. Not having consensus on how the money is going to be spent, having one partner being a penny pincher and the other not can cause huge problems.

How many live-in relationships have you been in? Or long term relationships? Why should we believe what you say?
Married to my ONE AND ONLY live in. My wife and I have been married for 15 years, and together for 17. We do things our way, and others do things their way. My marraige is different from someone elses.
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Old 12-09-09, 02:41 PM   #25
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Married to my ONE AND ONLY live in. My wife and I have been married for 15 years, and together for 17. We do things our way, and others do things their way. My marraige is different from someone elses.
But since you are male, you are wrong. So am I. Just saying.
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Phobias are for irrational fears. Fear of junk ripping badgers is perfectly rational. Those things are nasty.
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