<prompt> Human: I need a new laptop due to the nature of my freelance work. The one Im looking at is around 1.5k, as it needs to be high spec. I dont currently have a laptop.I see a few options: I can spend 6 months saving for it, though it would certainly make life easier to have it sooner than that;I can buy it on finance over the next year or so, I have 100-150 a month spare that I could commit to it;I could get a credit card, buy it with that, and pay off the card at the same rate as above. I dont currently have a credit card, Im in a little bit of student debt, but paying it off. I suspect my credit score is pretty bad, Ive never had a credit card before, and have been in financial trouble regularly until the last year or so.What should I do?  <response>: I need a new laptop due to the nature of my freelance work. I dont currently have a laptop.I dont understand this. Did you just start the freelance work or are you currently using a desktoplibrarysomething else for it.If youre currently using a desktop or something for it and it would just be a lot more convenient to have a laptop, Id say save up for it. Dont go into debt for convenience, especially 1,500 on a credit card.If you just started doing freelance work then Id view the laptop then Id see it as more of a startup cost involved in your career. I still wouldnt put that money on a credit card though. Maybe if you can get a 12-month 0 card and your freelance work is going to last you at least 12 months.About that 1,000 in student loan debt, you really should just pull the trigger getting rid of that. If you have an extra 150 a month you mentioned for a laptop would cutting back on eating out, drinking, etc for a month get you close to a combined 500 or so to put towards the loan? Id probably do that if you can. Of course if you really need the laptop, you could do that and 13rd of the purchase right there within a month. 