I will be paying my car off in a couple of days and now all of sudden I have this urge to buy a computer. I can pay it off in about four months with the money that I will be saving from having no car payments. I will put it on my DH Best Buy account that is 18 months interest free. Do I deserve this! Someone talk me out of this. Do you deserve it? Can't answer that one.Do you want it? Sounds like it. Have you wanted it for a while, or is it something that just came up recently? Have you determined what you will use the computer for? This will help you determine exactly which computer would be suited for you.Don't use the Best Buy card. Save up for four months and pay cash. If you do it this way you can also buy it somewhere other than Best Buy.However, if all you really want is to be talked out of it, then:New computer costs ~$1,000. At about 11% over 20 years, that will be worth over $8,000. Still want the computer? In 3 months that "great deal" won't seem so great when for the same money or less, you'll get a faster machine, more RAM, more disk, more bells and whistles than you're getting today. In 18 months you could take that same $1,000 and get a computer with twice the power. Still want it? Having a computer means you'll also want some kind of internet access (gotta read the Fool, right?) which will run you $10-$40 per month, depending upon what kind you get. Oh, if you're online a lot you'll either need DSL/Cable (that's the $40+/month) or a second phone line. Oh yeah, computers can crash a lot, drive you crazy with their illogical behavior, and cost you a fortune as you buy peripherals and new software. (If you aren't paying for the software, you could spend more money on fines and jail time.) Did I mention that computers crash a lot? Oh yeah, you'll have to justify your PC purchase to Mac lovers (or vice versa), explain why you are running Windows (or OS X) to Linux lovers, and be expected to digitize all family photos for your personal web page. Oh yes, you'll need to make sure you're available via one or more "instant messaging" services so your friends, family, and coworkers can talk to you any time you happen to be online...Man, I don't even want MY computer any more now...
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