Are you going to be using it a lot?
Are you interested in a mat cutter that does more than cut square and rectangle shapes? If so, you’ll be paying a higher price.
I personally would use a ‘T’ square ruler, a pencil and a razor blade knife to cut square and rectangular mat openings.
OR ask a framer to cut out the matting you’ve already purchased, per your matting Dimensions; it can’t cost that much for a framer to do that...I would ask a framer to do matting cuts for my more ‘exotic’ cuts ie. Oval, leaf-shapes, and do my square and/or rectangular cuts with supplies I mentioned above...

I've done some mat cutting in the past and, just so you know, it's a very precise art. And not super easy. I found mat board to be fairly difficult to cut even with good tools - but then I do have fairly fine wrists and not a lot of strength in my arms/hands. You might want to watch a couple of You Tube tutorials to see what you would be getting into before you invest in the tools.

I have had mine for years. I love it. Sometimes I just need something straight cut or beveled. I have cutters for both. I also have one for circles and ovals. That was more difficult. My hardest part is finding actual matte boards to cut.

I think it would be great to master a new skill. Nothing ventured, nothing gained. Pam

I agree Pam,never too old but just wondering if the cost of the cutting items will be more than I’d pay to have them made and since I don’t do many pictures my decision is leaning towards ordering them.
I do appreciate your time taken for all your thoughtful answers.

I think the way you do. It is amazing what mats will do for bringing out the best in our stitching. I usually go to Hobby Lobby because there is nowhere else and they will frame for free if you buy the fixings-mat, glass, frame. Love the tulips. Pam

I tried this years ago. It is much EASIER and CHEAPER to go to a frame shop and ask them to cut mats. It is less worrying, too. If you cut the mat, even in just one place and get one corner line going to far, you will worry if others will see it! They will! I find it to be frustrating and most of the cost is the frame itself, the glass, etc. Try thrift shops for odd sizes. There are standard sizes used frequently, but not by our designers! They need to try harder to design projects that fit standard frames. Getting a mat is far less.
Standard? Ask the framer!

Thanks Su. I agree with you. Why give myself unnecessary problems. I can order them on line...have done so successfully. The framers charge a mint to do them.