Financing MacBook

[ParishYoung]

Every post on here so far is spot on. If you don't need the MacBook immediately then wait it out as long as possible.

Also give other people chance to find the bugs (if any) for you first, plus by the time you have all the cash there may have been improvements made to the initial spec.

From experience though, I can't buy a new MacBook at the mo because I'm still paying off the finance from the previous one which I go in may last year.

I pay £50 per month over two years, which means I will have paid £1200 for a £600-700 laptop. Nearly twice as much!!!!

Trust me buddy, you're better of waiting until you can really afford. Not just buy because you think you have sufficient money coming in. Anything could happen.

 

[LSUtigers03]

I don't see what the issue is if he gets 0% financing...

Just be positive you can pay it off within the 0% financing period and you'll be golden.

I actually might do this with Best Buy since I have most of the money, but not quite all.

Edit: Where are these 12/24 month Best Buy financing offers? I only see 90 days.

Look at the featured offers page of the Best Buy web site. That will tell you what they are offering right now. When my friend got his MacBook they had no interest for two years on all purchases above $999. They run different offers at different times. I would think with the holidays coming up they would have a good offer now or soon to encourage people to make purchases.

 

[ptsube]

Amazon store card has 12 months no interest on pretty much any notebook, including Apple notebooks. You could also try places like Macmall.com. They have similar deals.

I just ordered the base Glassbook using my Amazon Store Card, if I pay $110 a month it will be paid off by the time they would assess interest charges.

12 months no interest, free shipping.

Instant access to what ever you are approved for. Just create an Amazon account before applying.

 

[me2000]

Amazon store card has 12 months no interest on pretty much any notebook, including Apple notebooks. You could also try places like Macmall.com. They have similar deals.

I just ordered the base Glassbook using my Amazon Store Card, if I pay $110 a month it will be paid off by the time they would assess interest charges.

12 months no interest, free shipping.

Instant access to what ever you are approved for. Just create an Amazon account before applying.

Thank you so much! 12-month financing sounds amazing right about now... I can pay this thing off in 2-3 months.... Hmm... I have to seriously consider this.

Thanks again.

Wow.. never mind.. Only got $600... wtf? I have perfect credit and MUCH larger credit lines.... what a rip!

 

[dinaluvsApple]

i can give your 700billion reasons why you shouldnt finance your mac..

 

[Chaos123x]

Not one of friends has ever got the approved by Apple.

Either we have really bad credit or they have high standards.


Bottom line get a loan from the bank or save up the money on your own.

This type of credit card stuff is not be used as a loan, if you do, you might end up paying for it twice with interests if your not careful.

 

[ti2ibal1]

i can give your 700billion reasons why you shouldnt finance your mac..

How about you give me 10 SOLID reasons?

I got the 2 year, no interest financing from Best Buy. Same way I got my TV a few years ago. It works out great. I just throw them $100 a month and I've got it paid off well before the 2 years is up.

I don't see why the majority of you are so anti-finance. You must have rich parents.

 

[Chaos123x]

Having extra bills sucks... and if you mess up your screwed.

Like buying a whole bunch of cool stuff that you don't need, then get laid off from work the next week.

YAH!

 

[hazoomeh]

How about you give me 10 SOLID reasons?

I got the 2 year, no interest financing from Best Buy. Same way I got my TV a few years ago. It works out great. I just throw them $100 a month and I've got it paid off well before the 2 years is up.

I don't see why the majority of you are so anti-finance. You must have rich parents.

You sound like a pro-lifer! I could respond that we're not anti-finance, just pro-responsible. It's attitudes like yours that contribute to this economic mess. People can easily lose their jobs in any given 2 year period, so OP, dont follow in the footsteps of this genius who buys highly depreciable electronics on plastic.. If something goes wrong you'll look back and say you didn't need to do that to yourself. Only you know your situation though.

 

[Chaos123x]

You will be surprised how fast you can save money to buy a computer.

You will also be surprised how long and grueling it is to pay back credit debt.

 

[ptsube]

Thank you so much! 12-month financing sounds amazing right about now... I can pay this thing off in 2-3 months.... Hmm... I have to seriously consider this.

Thanks again.

Wow.. never mind.. Only got $600... wtf? I have perfect credit and MUCH larger credit lines.... what a rip!

Wow, that sucks. I got $1800. You could try using Bill me later through Amazon, Newegg, MacMall etc.. I would try to avoid ordering direct from Apple because you have to pay tax.

 

[ptsube]

You sound like a pro-lifer! I could respond that we're not anti-finance, just pro-responsible. It's attitudes like yours that contribute to this economic mess. People can easily lose their jobs in any given 2 year period, so OP, dont follow in the footsteps of this genius who buys highly depreciable electronics on plastic.. If something goes wrong you'll look back and say you didn't need to do that to yourself. Only you know your situation though.

Leave it to a Dem to twist every conversation in to politics.

Well I think the entire credit system is pretty screwed up, not many could afford to buy a house if it wasn't for credit. Of course, many now can't afford their payments.

 

[Chaos123x]

Leave it to a Dem to twist every conversation in to politics.

Well I think the entire credit system is pretty screwed up, not many could afford to buy a house if it wasn't for credit. Of course, many now can't afford their payments.

As if the fascist neo-cons are any better?

 

[ti2ibal1]

You sound like a pro-lifer! I could respond that we're not anti-finance, just pro-responsible. It's attitudes like yours that contribute to this economic mess. People can easily lose their jobs in any given 2 year period, so OP, dont follow in the footsteps of this genius who buys highly depreciable electronics on plastic.. If something goes wrong you'll look back and say you didn't need to do that to yourself. Only you know your situation though.

If I wanted to waltz into Best Buy and plop down cash for it, I could have. The point is, I didn't want to, and don't have to. (when I have the 24 months option.)

It's attitudes like mine that would have prevented this economic mess. If you cannot live within your means, you should not be spending beyond your means. I can afford this Macbook, my car, my house, my ATV, eating out, ordering drinks, etc... I have a good job and live within my financial limits.

The only thing you were correct about was me being pro-life. Other than that, your post is very ignorant and general. You said it yourself, "Only I know my situation."

 

[Chaos123x]

If I wanted to waltz into Best Buy and plop down cash for it, I could have. The point is, I didn't want to, and don't have to. (when I have the 24 months option.)

It's attitudes like mine that would have prevented this economic mess. If you cannot live within your means, you should not be spending beyond your means. I can afford this Macbook, my car, my house, my ATV, eating out, ordering drinks, etc... I have a good job and live within my financial limits.

The only thing you were correct about was me being pro-life. Other than that, your post is very ignorant and general. You said it yourself, "Only I know my situation."

So what is the problem?

 

[ti2ibal1]

So what is the problem?

I don't know. Ask hazoomeh.

 

[sangosimo]

I think there is a politics forum on this board...at the end of the day it is your money I would only finance if you have all the money saved already, so you won't get into trouble.

 

[weaverra]

Damn right. Why use your own money when someone else will let you use theirs for free. Yours can be earning interest in the bank.

First off you will always pay a finance charge whether you see it or not. So it's not using it for free. Also the interest rate doesn't even keep up with inflation. So it's a waste of time to think that.

 

[weaverra]

It's attitudes like mine that would have prevented this economic mess.

The reason we are in this financial crisis is for this very reason. The USA has a negative savings rate. That means for the most part the USA spends more than it makes. The only way that is possible is by CREDIT.

If you cannot live within your means, you should not be spending beyond your means. I can afford this Macbook, my car, my house, my ATV, eating out, ordering drinks, etc... I have a good job and live within my financial limits.

Affording something doesn't mean you can make the payments. Affording something is being able to buy it out right without it affecting you. That's affording something.

 

[weaverra]

I got the 2 year, no interest financing from Best Buy. Same way I got my TV a few years ago. It works out great. I just throw them $100 a month and I've got it paid off well before the 2 years is up.

With that mentality you could spend everything you have by obligating yourself to monthly payments. It is true it's easier to do things in little steps, but it's those little steps that can hurt you the most. Before you know it your 20'en 30'en and 40'en dollaring yourself to death. It's like you breaking a $100 dollar bill into smaller bills. Here is something you can try. Get a $100 bill and 100 $1 dollar bills. Go shopping and see which ones are easier to spend. You will be more apt to spend the 1's than the 100. I guarantee that you will probably come back with the $100 bill and less than 100 $1 bills.

Now throw a credit card or financing into that factor. You will most likely swipe the card thinking you have the $200 and before you know it you've blown at least $175 of the 200 that you "were gonna use to pay off that item".

 

[bozz2006]

The reason we are in this financial crisis is for this very reason. The USA has a negative savings rate. That means for the most part the USA spends more than it makes. The only way that is possible is by CREDIT.



Affording something doesn't mean you can make the payments. Affording something is being able to buy it out right without it affecting you. That's affording something.

like a house?

 

[synth3tik]

I will never in my life get another Apple CC. I got one to get my G4. I got it paid off fast. Even then the interest was stupid. I would much rather save up $600-700 a month or what ever and just by it out right. With the holidays coming up, one could even ask for some money!

I bought both my Mac Pro and my MBP straight up and that is an awesome feeling when the computer arrives and you know you own it.

 

[weaverra]

like a house?

Ever heard of renting? Landlord assumes repairs and maintenance? I don't recommend renting for a lifetime, but you don't HAVE to finance a house. Again this further drives the point home. You could also by a good used trailer for a few thousand dollars and live in it while saving for a house. Who could really afford a home? Someone who loses their job with a paid for home or someone who loses their job with a financed house? Who's going to be under more stress?

 

[weaverra]

like a house?

What did people do before credit? They owned their stuff. Their stuff didn't own them. People do hit hard times, but sometimes people make it harder upon themselves.

What you are saying when you sign that 30 year loan is that nothing will hinder that part of your income you promised to give them over the next 30 years. You can't guarantee that.