Buying A Mac | Cash vs. Credit Card Installment (0% Interest)?
This geek has been so busy trying to make money through the day job, SEO tactics on the other blog, and other online streams of income just to save for a Mac. That’s why for almost a month, I was not able to post here. I’m sorry for that. But to give you an update, I recently was able to “sell” my laptop for half the price of the white macbook that I am saving for. I really wanted the black Mac but it’s too pricey. I also earned a few bucks by trading some stocks. So I guess this makes me halfway done.
I have one more dilemma, though. I could get a Mac right now by swiping my credit card and buy the Macbook at 0% interest for 12 months. Doing this though would mean another 12 months of tightening the belt, plus the fact that I’m gonna have to buy the Macbook at a higher price. Power Mac Center sells the white Macbook at approximately PHP75000 ($1700) and it comes with a free 4GB iPod Nano. I can avail of it via 0% interest installment on my credit card, but at that price point, it is still too expensive. LongBeard, on the other hand, sells the same Macbook at only PHP60000 ($1333), but on cash basis only and no free iPod. I only have half the cash. Should I wait until I have saved enough (and save PHP15000 more)? Or should I give in to the instant gratification of having a Mac (a PHP15000 sacrifice, mind you)? Would the benefit of having the Mac right here, right now (with a free 4GB iPod Nano) at an additional cost of PHP15000 be worth it? Or am I better off waiting for a few more months to get the Mac at a more affordable price? I’m so confused…
How I wish there was an Apple Store here in the Philippines so I could buy the Mac at its suggested retail price of $1299. Oh well…Wishful thinking again
