My Opinions and Beliefs
Look Financing is good, but only if your responsible and smart. My parents allowed me to finance a Macbook (can't remember what model) about 5 or 6 years ago. I was in my late teens, and I had 18 months at 0% to pay the debt off. I paid the laptop off in about 11 months, and I loved that laptop. The following year my sister spilled Hot Chocolate on it, and the computer was dead. As luck would have it I sold it on eBay for $200 as parts, and used cash that I had saved up to get a iMac 20 inch. I had that desktop for 3 years then I gave it to my parents as a gift for letting me finance the Macbook. Now I'm in the market for a Mac again lol.
I disagree that financing is bad, it's the people using the financing that are irresponsible and bad. That being said, if you cannot trust yourself to pay the balance, then don't finance the laptop. Not only did I have a job back when I bought my Macbook, but I could have paid the computer in full at time of purchase. My parents simply wanted to teach me how financing works, and what it's like to have a monthly bill. They didn't want me to by like my sister who pays her bills late, looses her 0% financing offers (due to late payments), and has horrible credit.
That being said, never finance something that you can't pay off within 3 months. In other words, if you make $500 a month (after bills, rent, etc), and you have a 0% financing offer for 12 months, don't finance something over $1500. Just in case something happens.
The problem with financing, is you don't know if something might happen (lose your job, car breakdown, etc). Now this logic that financing is bad is BS to me, after all buying a cash car is not always a great idea. Sometimes you need a reliable car that won't have as high of a risk of breaking down. Car dealer then offers a car loan/financing/auto loan (whatever you call it), which is like financing as you have a monthly payment with or without interest. That's just my logic and opinion(s). Do whatever you feel is right, and perhaps consult with your parents? After all their advice is 1 million times better than mine, as they know you best.
Hope this helps,
T