I transformed into my prior self a few weeks ago. The prior self that caused me to get into major credit card debt. The prior me that I don't like anymore and try to keep hidden deep in the closet.
I'd been wanting to purchase a MacBook Pro every since my buddy got one and told me how cool it was and all the awesome things it did (I swear he should be a salesman). I haven't had the best luck with PC's lately so I decided I would give the Mac a try.
I told myself I was going to wait until I had the purchase price of the laptop (approximately $1500 with taxes, accessories and protection plan) saved in a separate account. I have multiple savings accounts at my credit union so I picked one that didn't have any money in it and promptly changed the name of it to my "MacBook" fund. I'd planned to purchase the laptop in about 6 months which means I would need to deposit $250 a month into the account.
I made my first transfer of $250 and setup an automatic transfer of $250 each month from my checking account to my "MacBook" savings account. In five months, I would be able to purchase my MacBook...I didn't make it five days.
I made the mistake of going to my favorite store in the whole wide world (Best Buy) just to look around and play with the computers. I remember my buddy telling me that they had a special financing promotion on any purchase. If you apply for a Best Buy credit card, you get eighteen months no interest financing. Needless to say, I left the store with a MacBook Pro and $1600 in debt (laptop, taxes, protection plan and case).
I'll be sure I pay this off well before the eighteen months are up. I don't want to take any chances on missing a payment and having to pay interest on this purchase.
I'm not upset about making the purchase but I am upset with myself for not following my plan and delaying instant gratification. I should have known better than to just go look. Me going to Best Buy is like taking an alcoholic to the bar. I can't control myself. I know electronics are my weakness.