<prompt> Human: I need to replace my laptop. I think I have two options:1. Borrow money from credit companies and pay back monthly. 2. Save money as a true expense YNAB until I have enough money.Which option should I choose? Or do you have other options? Please share. Thanks.UPDATE: Thank you all very much. I realized how stupid I was. Im not gonna go into debt and still have to learn a lot.  <response>: Q: How to buy a new laptop that I cannot afford right now?A: You dont. 