If you do not like Apple products please do not post as I am not asking for your advice regarding them nor do I care to listen to your opinion. Thanks.. I am thinking about upgrading my aging 2009 MacBook to a new model and a apple rep got me a discount of $100 or so. The total cost would be $1272 which included the extended warranty and a RAM upgrade. I figure I better do it while my current Macbook is running well, rather than wait till it breaks down and I get nothing out of it. Based on my price comparisons I could get $350-$450 out of my Macbook due to some major RAM and hard drive upgrades I have done to the machine. This would be considered a consumer debt item and a debt I would have a choice to take on or avoid. This kind of debt is not the same as taking on debt to take care of ones teeth, fix a car, or pay the IRS. These days my practice of taking on debts is always to pay them off within a month and so far I have been able to do this. Had to charge $600 to get my car repaired and paid it off within a month. With this Macbook I gamble I could pay the debt off in full within 2-3 months and assuming I chop down going out to eat, and my car needs no more repairs or I have no more dental costs. My car should be fine as according to the mechanic everything is working well on it. I am not buying books anymore nor tracts as I have too many and have saved some money. Church had a conference today and a bunch of books were available on the tables to purchase and I walked away not having spent a penny. So would you think of this as a wise or foolish decision? I have been through the Crown Financial money matters study, and have read 2 of their books, and they do not discourage taking on debts, they just discourage not paying them back, so Crown is much different than the Ramsey approach to money. Thanks..