Help me out here: Do I keep my new laptop or should I put the money towards our next student loan?
In the past year, we have only made one extra payment on our student loans. Although it was significant — $2,000 — I am anxious to make another. Mr. Stapler got a better-paying job, so we should have the ability to make more payments.
This month, I calculated that we could make an extra payment of $1,500. I was psyched. I started calculating whether we could pay off the next loan by New Years.
Then Staples had to go and have a great sale on laptops over the tax-free weekend. I thought it was the perfect storm of savings to get a great laptop for $850.
The only reason for getting a new laptop is to get something lighter. Lugging it back and forth to work is a drag on my back, where it’s already being dragged down by my big ole pregnant belly. I have been using a rolling bag, which helps, but it would be wonderful to have a lighter bag (because of a lighter laptop), without wheels.
(I asked my boss for a laptop or desktop to use at work and he has blown me off for over a month. I’m not hopeful that he’ll get me one.)
The problem arose when the perfect storm went out to sea. I picked out a $1,300 laptop that I could pricematch down to $950 and use the $100 off coupon, plus get it tax-free. I don’t know if Staples changed its pricematching policy since the last time I used it — when I could pricematch from anywhere and then add a coupon — or if the representatives I had before were bending the rules. Regardless, they refused to pricematch it down from anywhere online except Amazon and wouldn’t apply a coupon afterwards. It was an hour until the coupon expired, so I went ahead and bought it despite blowing my budget wide open — at a $1,200 pricetag.
With the $1,200 laptop, we can only make a $300 payment on a student loan, and I feel guilty about spending $1,200 on myself frivolously and anxious for the next payment, which won’t be possible until October.
I haven’t received the laptop yet, so I expect I’ll be able to return it as long as it’s not opened. Should I return it and get something cheaper? Should I return it and just suck it up with my current laptop? Should I keep it and only put $300 towards a loan this month?