MICROSOFT 32533 MS-WIN 7 HOME PREM X64 DVD OEM EN $132.87 INTEL 35109 INTEL CORE I5 760 2.80G/8M/S1156 $246.17 $239.00 ASUS TECHNOLOGIES 34430 S1156 ASUS P7P55D-E LX P55 $149.35 $145.00 KINGSTON 26570 KINGSTON HYPERX 1600MHZ DDR3 2GB KIT CL9 $77.25 $75.00 (2x) SEAGATE 16721 SATA2 1.0TB SEAGATE 7200.12 32M ST31000528AS $87.55 $85.00 Asus ATI Radeon HD 5850 (EAH5850 DirectCU/2DIS/1GD5) 1024MB PCIe Gen 2.1 THERMALTAKE 33634 750W ATX TT TR2 RX TRX-750M $108.15 $105.00 Case!?
1330$~rough estimate. 1230$ with HD5770
Damn taxes, stupid 15%, stupid gov't stealing my money.
Anyways 2-3 months to save up for this depending on how much money I put aside each paycheck for emergancies and debt payments, this spec should last me 4-5 years.
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I think you don't make enough money to justify spending that much money on a computer, especially if you have debt payments to make.
Posts: 805 | Registered: Jun 2009
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Blayne I know you have a nearly 0% chance of accepting sound financial advice and a nearly 100% chance of justifying this to yourself with arguments not limited to but including "it saves me from having to spend money for four years" but you are spending well outside your means outside of just gratuitously overspending on that rig in general.
Posts: 15421 | Registered: Aug 2005
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I make more money than Blayne, and I would love to have that computer, too. But I'm going to go down the road of sound financial advice (from myself, to myself)...and not build it. Posts: 1813 | Registered: Apr 2001
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I got this for the PC I recently built, and it's fantastic. I've been playing new games at max settings, and my computer always stays cool, even in this stupid summer heat.
Posts: 1855 | Registered: Mar 2003
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I got pretty much the same setup in December 2009 with some changes in order to save money. It's been fun, but I wouldn't go into debt over it.
Posts: 7593 | Registered: Sep 2006
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Blayne Bradley
unregistered
posted
I didnt say I'ld be going into debt for it, I said I would be saving up for 2-3 months for it (250$ a week roughly) with some money left off to the side each week for my other debts. This is something I would be paying for in cash once I got it all saved up.
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Real quick, but I didn't notice a monitor up there. I assume you already have one, because if not, tack on another $120 minimum.
Posts: 2827 | Registered: Jul 2005
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Blayne, I said once that you should be saving up for an emergency fund. Have you done that yet?
Posts: 37449 | Registered: May 1999
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BB: *shrug* If you have on-going debts and you save up cash on the side, that is cash you could have potentially used to pay off debt. Your net-worth will definitely go further into debt at least.
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Thought #1: Is that $75 for 2 GB of RAM or 4 GB? Either way, I'm slightly surprised by the price.
Thought #2: Yeah, though I may not be one to speak, having just shelled out some dough for a computer myself, I only did this once my financial security was assured, and not just in a "If I skimp, I can make this work" sort of thing.
Posts: 2827 | Registered: Jul 2005
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Blayne Bradley
unregistered
posted
Aside from some payments on one or two cards I have zero expenses, so by taking out a little bit each paycheck I save up for my emergancy fund while the rest sans crtedit card payments goes to new computer.
Also Mucus your math is wrong, networth doesnt change if one buys a computer sans depreciation of value, its just a imperfect conversion of liquiity to hard assets, this is still with considering payments to the card which would still reduce the total debt assuming I'm outpacing the interest, give or take declaring voluntary deposit (to cutdown on interest).
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I'm glad you're atleast going to save up for a large purchase rather than charging it to a credit card or doing a payment plan.
HOWEVER, I would HIGHLY suggest completely paying down your credit cards and any other debt you have before further considering this. And then you want to make sure you've got a good amount in your savings. Not that I said SAVINGS not EMERGENCY FUND. Your emergency fund is necessary to cover unexpected large expenses (job layoff, hospital bills, loss of vehicle, etc.) But you don't want to drain all of your extra money if something does go wrong. I'm speaking from experience. I had money set aside and I thought I was fine. Then I collapsed at work and ended up in the hospital. Now I'm deep in debt with my parents (something I'd just gotten out of) and if anything else happens, I really don't know how I could survive.
At this time in your life, you should have a savings account in addition to an emergency fund. Sit down and look over your expenses. If you were injured tomorrow and couldn't work, do you have enough money to cover bills and living expenses for 3 months? 6 months? Whatever.
Shiny toys are awesome and most people have a luxury they save up for. But you'll enjoy it much more if its a purchase you are financially prepared for. Alot less guilt, I promise.
Posts: 1733 | Registered: Apr 2005
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Blayne Bradley
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I've had like no income for most of my life, it would be excrutiatingly difficult to have anykind of savings account and emergancy fund and spending money on minimum wage, once I have a proper fulltime proper job then I can maybe get something sorted, but in other news I may be able to get social assistance and some bursuries for my autism to help cover me until I find proper work (which would allow me to leave this crappy job as 900$/mo is alot more then I get working).
quote:Are you actually doing this? How large is your fund currently?
De facto the fund is everything in my checking account up until my computer purchase (so if anything happens between now and then I'll use that) while some arbitrary amount per paycheck is set aside and I won't touch just in case.
I'm thinking of 500$ (in total and thus two full paychecks) should be sufficient for my current situation.
I'm expecting at least 190$ soon from the Work Board for the pay I have yet to recieve from my previous employment.
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quote:it would be excrutiatingly difficult to have anykind of savings account and emergancy fund and spending money on minimum wage
Yes. This is why it is vitally important to have both a savings account and an emergency fund (and especially the latter) before you buy an expensive, frivolous thing.
Posts: 37449 | Registered: May 1999
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Blayne: Please listen to Tom. You're prioritizing this by what you think is most likely to make you happy in the short term. You've dug yourself partially into a hole but you aren't in the worst shape I've seen many people get into.
You need to get out of debt first, get an emergency fund, then think about buying things you want with your disposable income. You keep trying to get new games, and new machines to play those games on. You are not realistically in a place where that is even responsible.
I've already said I completely understand how much video gaming makes your life enjoyable, but again you will *hate* yourself if something happens and you don't have enough money up front to at least make a down payment if not out right pay the fees off.
I promise you, you will beat yourself up over and over because you weren't ready, and the things you spent your money on instead will look completely pointless. You will see some other kid making these decisions and you will feel like screaming at them to stop. But if you want there to be any chance that they will listen you, you will talk the way Tom is trying to.
It completely sucks working a kitchen for peanuts, you want to enjoy yourself, that's completely understandable. But get out of debt and get that emergency fund setup, and then start saving for a computer. I've never *NEVER* heard somebody do something like that and think it was a big waste of time. You don't realize how much peace of mind you get knowing that exists should you need it, nor do you realize how nice it feels to think, "I was mature with my money, and I didn't give into my childish desires to just buy stuff because I wanted it."
It sounds completely miserable now, but I promise you, the people who are careful with their money always live happier lives than the ones who in essence just hope nothing happens to them while they enjoy their new toys.
Posts: 14316 | Registered: Jul 2005
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quote:Originally posted by Blayne Bradley: I said I would be saving up for 2-3 months for it (250$ a week roughly) with some money left off to the side each week for my other debts.
quote:Originally posted by Blayne Bradley: (which would allow me to leave this crappy job as 900$/mo is alot more then I get working).
So you currently make less than $900/month working, but it will allow you to save $1000/month after you pay your expenses and pay down your debts? Do your wages come from a mystical bag of holding?
Posts: 2804 | Registered: May 2003
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This is why I'm not quite so transparent about my finances on the Internet. I prefer to make my mistakes with less tut tutting from others. Posts: 4287 | Registered: Mar 2005
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quote:Originally posted by Speed: So you currently make less than $900/month working, but it will allow you to save $1000/month after you pay your expenses and pay down your debts? Do your wages come from a mystical bag of holding?
Or financial and/or family aid?
Posts: 15421 | Registered: Aug 2005
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