<prompt> Human: Hello,I need some opinions Im really enjoying this forum and want to receive as much advise on my finances as I can. I currently have a financing plan for my MacBook with 0 Interest. I pay 200.00 a month on it current total is now: 1300. I have a decent amount of money in the bank. Should I pay it off or not worry since the interest free payments means I have 18 months to pay the device off.  <response>: The rule of thumb is you shouldnt need to finance something like a computer; otherwise, you cant afford it. But at 0 interest, theres nothing wrong with financing it provided you have the cash to pay it off if you chose to. 