<prompt> Human: Hey personalfinance! This is my first time posting here, and Id like to say thanks in advance for any advice.For as long as I can remember I have wanted a custom built PC, and Im at a point in my life where I think, maybe Im wrong I can start thinking about doing it. This is the first year Ive been completely financially independent from my family and paid for ALL my expenses on my own housing, car, insurance, etc... unfortunately this doesnt leave me with much spending money. I have about 50 for spending in my budget every month, and the PC Id like to build is 1500.My question is, how can I responsibly finance a purchase like this PC? I really dont want to save 50month birthday and christmas money for 2 years to purchase this. Is a personal loan a bad idea? I wont be getting a tax return this year which is more of a TIFU tale and I dont foresee any large cash influxes or raises any time soon.Any advice is appreciated! Edit: Afterthought, it will be important to note that I have no credit history, so any loan or financing would have to be cosigned by a family member...  <response>: My question is, how can I responsibly finance a purchase like this PC?You cannot, and anyone who tells you otherwise is doing you a disservice. Please please do not do this to yourself. 