ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login

Bankruptcy

Pre-Bankruptcy Client

Post-Bankruptcy Client

Not yet a client, but looking to get started?

ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

Get Started

Wait!

You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.

Yes

WiseBread’s Luxury Eccentricity Trick

Philip Brewer posted a very interesting article on WiseBread.com the other day, which sparked an equally interesting conversation in the comments. The topic was Choosing a Luxury Eccentricity; ie, a certain hobby/area of your life on which you are willing to spend extra money for luxury.

The luxury eccentricity “trick”, as it’s described, works like this:

1. It makes it clear that you’re not stingy, depressive, a miser, or a person who has no life.

2. It justifies your frugality in other areas.

Now, the idea that your spending habits need to be accepted by your peers is a bit of a sad truth. Brewer’s article mentions the idea that if you spend more frivolously in one area, and demonstrate the joy that it gives you, then your peers will be more “comfortable” with the frugal behavior in the rest of your life. From either side, it’s a bit unsettling. I wouldn’t want my friends to feel “uncomfortable” because of how I choose to spend or not spend my money. Likewise, I wouldn’t want to change my spending behavior solely to make others more comfortable.

However, this is indeed a common social issue. Let’s say a group of friends and I meet up for a nice dinner. What happens when the bill comes? Typically everyone splits it evenly, but tonight I only had a cup of chowder and don’t feel like I should have to pitch in for everyone else’s meal. This makes paying the bill more of a math class, and some people are going to be annoyed with my objection.

I’d say the closest thing I have to a luxury eccentricity is photography equipment. If I inform everyone at the table that I just purchased a $1,400.00 lens, will that make my behavior more acceptable?

In the end, I do like the idea of choosing a luxury eccentricity. If for no one else, it does make me feel like less of a cheapskate and sort of assures that I’m serious about my hobby. I also agree that if this luxury is a person’s passion, then it’s worth the expense if you can budget around it. By the way, this doesn’t mean I’m going to stop bargain-hunting for camera equipment.

What’s your take on the idea of a luxury eccentricity?

ABOUT AUTHOR / Andi

Andi is a Marketing Assistant at ACCC. He is passionate about supporting financial literacy efforts and helping to educate people on the Talking Cents blog!

View all author posts →

Dev Tool:

Request: blog/wisebreads-luxury-eccentricity-trick
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=wisebreads-luxury-eccentricity-trick
Loaded Template: single.php