<prompt> Human: I have been looking to buy a new computer for sometime now, it just so happens that Lenovo has a great deal on a desktop that will satisfy my school needs, my personal needs, and gaming needs. I have a good job that i can easily afford the monthly payments of only 95 a month. The original price of the PC is 1067, but with the monthly payments it would be 1140. I am at a crossroads when doing this, my PC is really outdated and is starting to die on me, I would be able to easily afford 95 a month without getting close to breaking the bank. If I saved it would take until about 2018 to gather the money, but the deal would be gone. Help would be greatly appreciated, I am leaning towards doing Klarna and paying 95, a second opinion would be nice though.Assistant: If you need to finance a 1000 computer youre already too close to breaking the bank. Find another way, another temporary job, whatever.Human: I am 18 years old with a job that pays about 450week. I put 100 in savings every week for a car, and paying 95 a month shouldnt be a big issue, I am more worried about future on my credit if it will do anything bad to it.Assistant: Yes. If you miss a payment or default itll go on your credit report and be sent to collections.Human: If paid monthly, on time, every month will it be okay to pull the trigger on this?  <response>: If you cant buy it outright you really cant afford it. 