Finance or Save?

Is it worth financing a Gaming PC or Saving and buy later?

Parents
  • As someone who has done both, saving to buy later is a better way to go. Even if your gaming PC somehow (for example streaming content) generates income, if it wasn't already a consistent income flow beforehand, financing isn't going to a cake walk. I'd take saving up for later a step farther (if you want to build your PC) to keep an eye out on holiday or special sales if they have them where you live from stores/websites and buy piece by piece. Pre-built PC don't typically go up that much in price unless we're talking new CPU/GPU releases, BUT... the market prices for parts are fluctuating a bit more this year so far (SSDs are getting slightly more expensive, while some GPUs are going down in price). Interest will always come back to bite you unless as someone mentioned it's 0% and you can pay it off during that 0% period.

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  • As someone who has done both, saving to buy later is a better way to go. Even if your gaming PC somehow (for example streaming content) generates income, if it wasn't already a consistent income flow beforehand, financing isn't going to a cake walk. I'd take saving up for later a step farther (if you want to build your PC) to keep an eye out on holiday or special sales if they have them where you live from stores/websites and buy piece by piece. Pre-built PC don't typically go up that much in price unless we're talking new CPU/GPU releases, BUT... the market prices for parts are fluctuating a bit more this year so far (SSDs are getting slightly more expensive, while some GPUs are going down in price). Interest will always come back to bite you unless as someone mentioned it's 0% and you can pay it off during that 0% period.

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