So I'm buying computer parts and assembling them myself. What I want to know is if I should go with this Bill Me Later (which I'm leaning against) or their Newegg Preferred Account thing. I want to pay for installments as It'll take me a while to save up to buy it all up front but if I pay for it in installments it'll be a minimum of like 30-50 a month and that is very doable (I'll be making about 500-600 a month or so. First job and it's at Walmart part-time).
Or maybe I should just save and pay for it all at once?
Personally I think it'd take me forever to save up for it because I'd have that 'well, I want that computer, but I really want this
,' mentality, whereas if I made a payment plan I'd be forced to pay, thus taking willpower and impulse out of the equation. My mother has the mindset of 'if you don't have the will to save up for it, how could you possibly make payments?' which I don't understand because she's basically asking how I could do something I'm forced to when I think I might decide not to were it an option, which is half the things everyone does ever.
She thinks I'd be damming myself into credit hell right away if I made a plan to pay in installments. I don't see why, since everything I make right now is all profit since I don't have to pay for rent or utilities or even gas because I don't have a car.
tl;dr - installment plan or save