I am wondering which way will be the best to get a macbook if my dad doesn't have the money right away. Like being able to pay it off in 12 months or something.
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Has anyone had experience with RBS Citizens for MacBook financing?
- Thread starter DBZmusicboy01
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0% interest credit card? Personally I stay well away from any sort of debt. Just save if you want something, there's very little you should need providing you plan your finances properly. This is coming from a student 😛.
maflynn
macrumors Broadwell
Just remember if you don't pay off the debt in 12 months the entire accrued interest from day 1 is applied.
0% financing can work, but you need to be honest and disciplined with yourself. Can you realistically pay off the the debt within 12 months. I did this for some furniture back in the day.I divided up the cost by 11 and paid that every month. I didn't want to get too close to the 12 month mark so I used 11.
If you have a consistent and reliable income and a 12th of the MBP payment isn't that big of a percentage of the discretionary income, then go for it.
0% financing can work, but you need to be honest and disciplined with yourself. Can you realistically pay off the the debt within 12 months. I did this for some furniture back in the day.I divided up the cost by 11 and paid that every month. I didn't want to get too close to the 12 month mark so I used 11.
If you have a consistent and reliable income and a 12th of the MBP payment isn't that big of a percentage of the discretionary income, then go for it.
1. Get a job, save, and buy it with your own money
2. Have your dad save his money and buy it when he has enough
Financing a laptop is a terrible idea.