How do you afford it?

Discussion in 'Community' started by baummer, Feb 24, 2005.

  1. macrumors 6502a

    Joined:
    Jan 18, 2005
    Location:
    Southern California
    #1
    I have been a fan of Apple for a long time. But, because the cost of the machine is expensive for someone like me (university student, living on my own, part-time worker), I always have to resort to using PCs, which I'm growing more and more disgusted and frustrated with. My question is...how did you afford it? Any tips? I try to save, but with rent and food costs, as well as books, etc., I just can't save enough money for anything. I'm lucky if I walk away with $10 after bills are paid. Anyways, sorry about this rant, just wondering if I'm missing something.
     
  2. macrumors 603

    wordmunger

    Joined:
    Sep 3, 2003
    Location:
    North Carolina
    #2
    I bought my first Mac as a college student. Basically it was with money I saved from my summer job. Plus, I bought a used Mac, and sold my old computer. This was all in 1987 (gasp!). I believe I paid $500 for my computer. If I could do it then, you can do it now.

    [edit]: It's all coming back to me now: one trick I used to save money was to only use cash to buy things. I kept my cash for two weeks in my bedroom. If I ran out of cash, I was out of money. No cheating -- no cash machines, no credit cards. I could send money home to Mom for "saving," but you could also do this with a bank account as long as you don't have a cash machine card.
     
  3. macrumors 604

    Lacero

    Joined:
    Jan 20, 2005
    #3
    If you wanted the Mac bad enough, you'll find a way to afford one.
     
  4. Moderator

    dejo

    Staff Member

    Joined:
    Sep 2, 2004
    Location:
    The Centennial State
    #4
    Don't forget educational discounts!
     
  5. thread starter macrumors 6502a

    Joined:
    Jan 18, 2005
    Location:
    Southern California
    #5
    Good suggestions so far. Problem is, I don't have much to save. I currently make around $900 per month. Rent is $750. After gas, food, and school expenses, I have nothing. See my dilemma? I mean, just to buy my mini ipod it took me a year and a half and a generous donation from my family (and keep in mind I did take advantage of the edu discount and spent about $240).
     
  6. macrumors 604

    scem0

    Joined:
    Jul 16, 2002
    Location:
    back in NYC!
    #6
    Create a Gradient Creator, advertise it, advertise on it, and benifit.

    Actually, I've only earned 20 bucks off Gradient Creator, but every cent counts I guess. I don't even touch it and it earns me money, so I'm happy about that.

    scem0
     
  7. 7on
    macrumors 601

    7on

    Joined:
    Nov 9, 2003
    Location:
    Dress Rosa
    #7
    My $200 B&W will do anything I want to do on a computer. Though I do have a 2 year old powerbook.

    It's just you can usually stretch the life of Macs out. I've had my PBook for 2 years, and most people I know from freshman year are already on their 2nd computer.
     
  8. macrumors 68000

    kgarner

    Joined:
    Jan 28, 2004
    Location:
    Utah
    #8
    You could always try to get ten of your friends to try one of those deals on f-r-e-eminimacs.com. (no hyphens). I usually by an older model for less and use it until the situation becomes untennable (sp?);)
     
  9. macrumors 6502a

    rhpenguin

    Joined:
    Jun 10, 2003
    Location:
    London, Ontario
    #9
    I bought my first Mac (2003 iBook) when i was in College and had just finished my Windows 2000 certification courses..

    Heres how i did it.

    I sold my RAWKIN pc for like $1200 and then i got a cheque from the government for survivor benifits (my mum died a few years back and the government gives you money for it if your in school) which afforded me my iBook.

    Thats how i got my first Mac.
     
  10. macrumors regular

    Joined:
    Nov 4, 2004
    Location:
    San Diego
    #10
    I have always bought end of life apple products. Right after (sometimes before) apple released new products, they drop the prices on the old models. They are still new with full warranties, they are just not the latest thing. I find that this saves along the lines of a few hundred dollars depending on what you are getting. The problem is that no one really knows when apple releases new products so it makes planning a pain. I have also always used educational discounts and that will stack with end of life product discounts. You should check your school's bookstore electronics department as I have found the best deals there.

    eMacs and mac minis would be good places to start. Wait until they are updated and look for deals. If you want to upgrade later, macs have good resale value and you can put the money towards a newer mac.

    I know what you are saying about money in college. It's rough, and I am still paying the debt I acquired. I don't know if you have considered a roommate, or if that is even possible. There are loans and I believe that most student loans allow for computer purchases. If your school is near a research institution, they typically pay well for "research subjects". If you are really tapped for cash and really want a mac, I would suggest the loan. Student loans have really low rates and don't need to be paid back until you graduate.
     
  11. macrumors 603

    wordmunger

    Joined:
    Sep 3, 2003
    Location:
    North Carolina
    #11
    Ahhhh... I see. You either need a roommate or a cheaper apartment.
     
  12. thread starter macrumors 6502a

    Joined:
    Jan 18, 2005
    Location:
    Southern California
    #12
    You obviously haven't seen the costs of renting an apartment in California...
     
  13. macrumors 65816

    blackfox

    Joined:
    Feb 18, 2003
    Location:
    PDX
    #13
    In direct opposition to Wordmonger's (good) advice, I offer my (bad) advice:

    Credit. As a student, CC companies love you, and even with a relatively low limit, you should be able to afford a mini, or alternately, put some monthly expenses on the card, and save the cash.

    Or, if you are really desperate, go through Apple Loan - which will seriously gouge you on interest, but at least you'd get your computer.

    This plan, if done wisely, has the added bonus of building your credit. If done poorly, however, it can be a major headache.

    Used macs are also good, and fairly cheap with the intro of the mini. My macs are from 2000 and 2002 respectively, and both fine performers.

    Good luck.
     
  14. macrumors 6502

    chanoc

    Joined:
    May 20, 2003
    Location:
    Anchorage, Alaska USA
    #14
    Get a "stable" roommate (not a relationship) to cut costs. I sleep in the living room for only 200.00 a month and my roommate has the bedroom and pays more. Eat at soup kitchens and get food at foodbanks. Volunteer at foodbanks and get a *****load of food. Buy a cheap Power Mac off eBay. I got a PM G4 733MHz off eBay for 500.00. If credit interest is no concern, take out a loan at the Apple Store Online. Get a better job. :)
     
  15. macrumors regular

    Joined:
    Nov 4, 2004
    Location:
    San Diego
    #15
    It just plain sucks and I couldn't afford it. I lived with my parents and had a horrendous commute. My sister is up at UCR, and paying about what you are for a one bedroom. She shared it with another girl and it was working great until the roommate bailed. My wife had to have three roommates when she went to school in La Verne. Finally, a girl I went to school with at UCSD had 5 other roommates just to make the payment. I don't know of anyone that could swing their own apartment while going to school. Are you totally against having a roommate?
     
  16. macrumors 6502

    chanoc

    Joined:
    May 20, 2003
    Location:
    Anchorage, Alaska USA
    #16
    Gas? Ride the bus like the rest of the poor folks. I am making 1,300.00 a month washing dishes. Got an interview for a Web Designer position next week - hell yeah!
     
  17. macrumors P6

    wdlove

    Joined:
    Oct 20, 2002
    #17
    When I was in college computers weren't available so it's hard to comment. Although the things that I did have came from the money that I earned in the summer or my parents were good enough to purchase what I needed. Maybe your parents would be willing to help you with a Mac mini. The educational discount should help.
     
  18. Moderator emeritus

    yellow

    Joined:
    Oct 21, 2003
    Location:
    Portland, OR
    #18
    Just Kidding!

    I sold drugs to elementary school children. Man those kids were CRAAAZZYY for the benedryl!
     
  19. macrumors 68000

    Joined:
    Jun 13, 2004
    Location:
    afk
    #19
    I paid for my laptop using a college loan (but its a PC laptop). kind of regret about getting that loan as after 3 years the laptop went bye bye on me, and I am still paying off the loan at that time.
     
  20. macrumors 603

    rainman::|:|

    Joined:
    Feb 2, 2002
    Location:
    iowa
    #20
    You only have to come up with a big investment once... so long as you sell your machine every year or two (once you're on a schedule stick to it), use that money and you'll only have to pay a small additional amount to get a new machine. Of course this works better on the pro equipment than the consumer... And you can keep a studio display and use it with multiple PMs, so you don't eat the depreciation (in theory). Every independent graphic designer i've known did this, because it's hard to come up with the necessary $3,000 every 5 years for a whole new system. Without going onto credit, which is kind of silly for a purchase that will be obsolete before it's paid off...
     
  21. macrumors 68000

    Leareth

    Joined:
    Nov 11, 2004
    Location:
    Vancouver
    #21
    A large number of schools will give you loans to buy computers, thought you would have to justify why a mac versus a PC, my school is very mac friendly so I am lucky in that account. As well there are technology bursaries available from external donors you might want to look at one of those. You could also take out a line of credit with your parents being cosigners at a lower rate than credit cards. Speaking of credit cards if you get the one with 2% cash back you have 2/3 of your minimum payment paid every month...so that might not be a bad way to go.
    What about Federal Student loans? or student loans from a bank?
    Another tip is see if you can plan your class schedule so that you are commuting less per week, saves gas and food moneys. Last term I had all my classes on mon and tue with the rest of the week free to work full time that other students could not take up due to their class schedule. my weekends were free.
    I am not sure what year level you are but 4th year and above students usually can become TA's and Tutor-markers which means salary, benefits, extra grants and bursaries ,and occasionally they will buy you a computer and accessories. An friend of mine got his powerbook, printer and one year of ADSL paid for by the school because he is TA one class for two terms.
     
  22. macrumors 6502

    Joined:
    Feb 24, 2004
    Location:
    So. Cal
    #22
    Cut out the gas, get a bicycle. How far is it to school? 3 miles? That's 15 minutes at a slow pace. Good for your health and pocketbook.
     
  23. macrumors 6502

    Joined:
    Jun 25, 2003
    #23
    I would feel pretty bad about taking food from charities that are trying to help the truly needy, then turning around and buying a Mac with the money I've saved. I would suggest instead beating up bums on streetcorners for their spare change.
     
  24. macrumors 603

    notjustjay

    Joined:
    Sep 19, 2003
    Location:
    Canada, eh?
    #24
    ... I don't...

    Unfortunately I misjudged (don't we all) and as a result I carry a whopping ***$4500*** balance on my credit card today. (Pleeeease don't tell my mom...) Still trying to pay that off, ever so slowly, but the money I make from being a Master's student just doesn't go far, especially when I have to pay for gas and maintenance for my car, and my admittedly rather frivolous lifestyle of occasionally eating out with my friends and other incidental expenses.

    I bought my 12" Powerbook using an Apple loan. The interest was killer, but that's where I made my mistake... see, they were offering interest-free for 180 days, and I jumped on that. I ordered my 12" ($2800 Cdn) along with Final Cut Express for $149. Trouble is, the fine print says that the 180-day interest free deal is only good on the FIRST charge made to the loan... and guess which was charged first? Yep, I got a 6-month interest free loan on a measly $150, and paid something ridiculous like 26% on the other $3000. This was unexpected, so I transferred the balance to my credit card, which charges me "only" 18%, and I've been trying to get rid of it on and off ever since. (About a year and a half now).

    I've been making liberal use of eBay and the local buy/sell groups to get rid of gadgets and other things I no longer need... I've even (*sniff*) decided to let go of my iPod. At least for a few months until I graduate and hopefully land a good paying job of say $65,000 or more. :D

    Other than selling all my older gadgets, one thing I did find very nice was offering to take notes for disabled students through our school's center for disabilities. Last term, I was paid $20/hour to sit in class and type up notes for a student with vision impairment. Good money, and I got a good refresher on UML and software design too :)

    Good luck...
     
  25. macrumors 68040

    pseudobrit

    Joined:
    Jul 23, 2002
    Location:
    Jobs' Spare Liver Jar
    #25
    What a scummy thing to do. I mean, that's just rotten. I am disgusted that Apple teams with these lowlife bottom-feeders. I would have threatened to send it back to Apple. MBNA are blood-thristy scum bastards.

    (I'm glad my Apple Loan is PAID OFF in full! Never again with MBNA!)
     

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