I grew up in a blue collar family. We didn’t have much money, but it wasn’t bad. My father always complained about not having enough. My first relationship was with someone who couldn’t handle money and we got into big trouble which I fear still influences me psychologically. So these things shaped me. I am currently in a position where I managed to save a little over 10.000 euro in 4 years. I am in “need” of something that will cost me 3000. So I can afford it right now. But it feels wrong and drives me into a panic. I could wait another year when I would have saved another 2500 probably. But it also feels it might diminish my ability to deal with any financial problems that might arise in the mean time. Esp. since there is a (slim) chance I will move into another house which could cost me well beyond 10.000. I am in a relationship where my partner has saved 3000 and we have a joint account with almost 4000 in excess as well. So cognitively I know I am probably financially safe rn, but spending 3000 on -what I consider luxury (a new PC)- feels wrong.
I’m not looking for a “do/don’t do it” answer. But I am looking for perspectives. What would you do in my situation?
Edit: I didn’t think I would get that much replies, let alone so many helpful and considered ones. THANK YOU, everybody! For those who question my need for a 3000 computer. I did put it in quotes; but yeah, it could be a cheaper one, which I always went with in the past (I also always overestimate my budget when spending so it would in all likelihood be more in the 2000 range). I just figured since I can afford one now, why not get one that will last me 10+ years. And no, it isn’t a Apple 😱 I do some gaming but also 3D modeling as a hobby. Anyway, I decided to wait another year. Again, my thanks for all your replies 🥰
You haven’t said much about the computer, but it seems almost like you need a new car so you’ve decided on a Ferrari, if that computer is €3000. Yeah, it would be cool, but a second-hand Mazda might do 90% of what you “need” the Ferrari for. And you can always swap out parts that aren’t good enough afterwards.
Especially with computer parts, you’re probably going to get maximum 8 years out of top-of-the-line latest flagship hardware, but you will still get 5 years out of the slightly less new maybe-not-flagship hardware, before they’re obsolete. But buying the slightly older or less powerful parts might save you as much as 40% cost.
If you’re considering buying a Mac, really consider what the “need” for it is and whether it needs to be the latest and greatest to fulfill that need. There are maybe one or two good reasons to opt for a Mac, if cost is a consideration at all. If you’re loaded, sure, get one.