Yes, I bought a MacBook, its true. If you know me well enough to find that statement hard to believe then let me explain. For as long as I’ve owned personal computers, I’ve always had windows machines. Mostly because Windows computers are affordable, and when I was buying my first computer, I didn’t have a couple of thousand dollars laying around, don’t get me wrong, I still don’t. However, I didn’t let that stop me this time, and I bought the MacBook anyway using a credit card. If you’re familiar with how credit cards work, then your mouth should have dropped by reading that last sentence where I stated I didn’t have enough cash laying around to buy a MacBook so I instead put the whopping 2400 dollar charge on my credit card. If you’re not familiar with how credit cards work, that’s the power of debt kids. Let’s explore this questionable life decision a bit further.
Why I needed a MacBook
The short answer, I didn’t. A MacBook wasn’t going to miraculously make me a better developer, or a better anything for that matter, definitely not a better person. If anything owning a MacBook has fueled the little devil on my shoulder telling me that I’m better than everyone else, especially those losers with Windows laptops. Even though I used to be one of those losers. So what made me do it? What made me decide that now was the time to buy a 2400 dollar computer when I had a perfectly working, relatively new, windows laptop. Simply because I have always wanted one, but could never justify the purchase. This time around I looked at it as a graduation present to myself, a little reward for not dropping out when I definitely should have. But my extreme disdain for college degrees is a topic for another day. So now let’s break down the rationale behind this extremely excessive impulse buy, of which is just part of a long list of other extremely excessive impulse purchases.
The Power of Debt
A staggering number of Americans live paycheck to paycheck, with little to almost no money saved in case of an emergency. An even larger number of Americans spend more money than they earn, and drive themselves into debt. I could find the statistics behind these claims, but you’ll just have to take my word for it because this post isn’t about the majority of Americans, this post is selfishly about me, and my material desires and greedy tendencies. A lot of companies that sell relatively expensive items, like furniture, flooring, and most electronics, will offer financing options. Financing is the method of paying for something expensive over a period of time by making incremental payments until you’ve finally paid in full. Apple allows its customers to finance their products but you must use their Barclay credit card. I have enough credit cards, and I certainly don’t want a card backed by a bank that’s not on or at a greater level of inherent evil than Chase or Wells Fargo. Not to mention, signing up for new credit cards when you already have a few doesn’t look good for your score. So instead, I chose to use a card I already had and apply the same concept of making incremental payments over time instead of the full balance all at once. By going this route, instead of using Apple’s own financing, I would indeed have to pay interest, but what’s another 50 dollars when I’m already spending a fortune? 1.7%, that’s how much 50 dollars is compared to a 2800 dollar purchase. A small convenience fee for providing me the opportunity to gradually pay for my MacBook.
I Love Mac
It obviously took owning a MacBook to fully understand what I had been missing out on all these years, and after switching to iPhone a year or so before buying the Mac meant that now I could seamlessly integrate and sync features of my phone, with my new laptop. There’s not a lot to complain about with this machine, its ridiculously powerful for its lightweight form factor, the touch bar is unique and I actually really like it, and the trackpad is massive. Now I don’t have anything to really compare this experience with being that this is my first MacBook ever, but compared to Windows, I love macOS and my Mac, and I don’t see myself switching back anytime soon. I’ll leave you guys with this quote which really sums up what sets Apple products apart from the competition.
“There’s this thing in technology, almost a disease, where the definition of success is making the most. How many clicks did you get, how many active users do you have, how many units did you sell? Everybody in technology seems to want big numbers. Steve never got carried away with that. He focused on making the best.”
– Tim Apple
** please use your credit cards responsibly, at no point in time was I so far into debt where I felt overwhelmed and had to choose to pay off debt or buy things necessary to live or even just keep a roof over my head. If you need help managing your money and controlling your spending, please seek financial help and advice on ways you can turn your life around and use debt to your advantage, not let it take advantage of you.