Which would you choose? $12,000 today or $1,000 for then next twelve months paid on the first?

Explain why, please?

  • $12,000 upfront
    51% (18)71% (30)62% (48)Vote
  • $1,000/mo. for 12 months
    49% (17)29% (12)38% (29)Vote
And you are? I'm a GirlI'm a Guy

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Most Helpful Girl

  • Lol, I was kind of hoping that maybe there was a trick to it and one answer would leave you with way more money whether it was in the long wrong or upfront bit nope it equals the same thing.

    But to answer your question I would want $1,000 a week. I'm a teen I don't need that much stuff plus 1k is still a lot of cash. I'll be able to manage it better this way:

    -not over spending it
    -If I lose it/get robbed it won't be all of it
    -People won't ask me for handouts or less

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What Girls Said 16

  • 12,000 today because it will be worth more today than it will be worth tomorrow. And def worth more today than it will be in a year.

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  • I'd want the money upfront cause you can do more with $12000 then you can with $1000 and you get happier with $12000 then you do with $1000. I might buy a used car, or go to cuba for 2 weeks or live in a 5 star hotel in New York.

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  • A thousand a month. I'm not much of a shopper, but I know what my spending habits are like. I just can't help myself! At least I always go for the bargains though.

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  • I'd do the same thing as @ I_am_repulsive =)

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  • I'd probably take the $1,000 over a period of 12 months. Less likely to spend it all at once. Guaranteed money for 12 months.

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  • upfront, now or never!

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  • $12,000 upfront. If something happened to where I needed a lot of that money over the next year, I would already have it and be secure.

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  • Id rather get it given to me in a lump sum, id be more likely to spend the money if I got some of it once a month

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  • take the $12,000 and invest somewhere

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  • I would just take it up front, i'm pretty good with money so I trust myself lol

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  • $12K up front. I want to blow it on a much needed vacation.

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  • 12k atm could really help my dad. But usually I'd choose 1k/mo.

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  • Pay off my student load and pay my rent do up front is convinient

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  • Monthly would help me move out of my ex house and start over

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  • I'd take the money upfront and just put it in the bank.

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  • Obviously all up front because then you can put it in a high interest savings and get more money over the 12 months.

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What Guys Said 23

  • $1k a month, better budgeting, you won't blow it all because you don't have it all at once.

    But if you are planning to make a down payment on something, then take the upfront $12k

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  • It's the same amount, so I'd rather get it now than a bit each month.
    I don't spend much besides school and basic necessities, but I'd still want it all now.

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  • I'll take that 12 grand and put it in the bank so that it accumulate interests?

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  • $1,000/mo for 12 months. Because I may waste the 12,000$ if I took them at once.

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  • I would take the 1,000 per month - You might blow the 12,000 too fast

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  • B is the wiser choice unless you are going to tough financial weather right now. A reflects the mentality I very much dislike in humans: "I want results and I want them immediately!"

    But yeah, if you're already comfy financially then by all means take it upfront!

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  • $12,000 today

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  • 12k up front.. I'm used to not spending money because I never have any.
    I'd spend like a grand in my first day to get a few things I really want. The rest I'll save.

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  • If I got $1000/mo, it means I still gotta budget it properly and not do anything stupid that I'll later regret.

    Also, I loss less when they state decides to tax it.

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  • $12k now to help me got off my feet. I could upgrade my car to one I like more and sell my old one (that'd really only be like a $3k loss). Then I could use the rest for necessities and saving up.

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  • Up front... I could pay off my debt without it accruing more interest and invest the rest and have more time earning on that.

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  • Money upfront, pay of my car... enjoy higher credit score... profit...

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  • you can invest it and make more money off of 12,000 now than wait for all of it to come in over time.

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  • Definitely the lump sum! I know how to budget. 8-)

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  • $12,000, of course. The interest would make it much more valuable.

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  • $12k upfront because it'd be easier to invest in real estate with it.

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  • I'd take the $12,000 all at once and then deposit $11,000 in the bank, gaining a small amount of interest on it and taking out $1000 a month.

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  • Unless you're really worried about global deflation you take the money now.

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  • I'll take the 12 grand upfront and invest it.

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  • $12000 up front. I'll go buy a used car or something.

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  • 12K upfront, I could leverage that for more profit.

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  • 12K upfront, it's the same money, might as well get it now

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  • If I needed money for a semester at college I would take it up front.

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