UMS, The Sub Formerly Known as UMS

[Chris P. Bacon]

Bought a new computer this weekend and paid $3100 for it. My old (nonedible potato of a)laptop is 6 years old now. RTX 2080 Ti and a threadripper 2950 12 core processor. Feel good about the purchase and trying to "budget" my way out of buying a new computer to save money didn't seem to work. Every time I would think about not buying it to save money it was like the sub was gently erasing the reasons why I didn't want to buy it. I also took out a loan through Affirm and set the payment plan to 2 years. I did this because I think that in the span of 2 years I could make more money with a lump sum of 3100 through investment opportunities and decided to spread out the payments to get me to $151 a month. Pretty decent. Affirm's interest is terrible at 25% for me but there is no prepay penalty on the loan so I'll be saving a little here and there and pay it off earlier to mitigate the ugly interest rate. When I think back at how the wheels were turning there was no fear and there was a balance of meeting current needs for a new computer that could function well and play computer games as it is a hobby of mine as well as enabling myself to get a computer that is out of my price range by taking a loan and paying it off early to cut interest, win-win-win. Currently playing space engineers with a friend and I'm having a BLAST playing it. Can't wait until the new computer shows up so I can play it on max settings instead of minimum "potato" settings.