<prompt> Human: Hello. Sorry if this is the wrong place for this. So, moved into new apartment and want to buy a new TV. First big electronics purchase besides phones current tv I got for free for graduation present and kinda lost. Saved up some for a cheaper model, but have since been convinced to not buy cheap brands and low quality for many reasons, so planning on buying a more expensive model even if that means making a couple payments. Both Costco and Bestbuy have the same tv for the same price. With Costco, Id have to pay for it all upfront on my card and pay credit card interest 23 on my current card, ??? If I get their card. This would be there first time in two years Ive carried a balance on a credit card. Dont like that idea. But they do throw in a free 3 year extended warranty 5 years if I sign up and use their costco credit card. With that, Id have the whole thing paid off in two months, meaning one month of interest. note; have costco membership for free through my parents ranch.Bestbuy has their no interest financing for 24 months. But Id have to pay for their extended warranty. Meaning Id be looking at three months to pay it off, though Id have to ability to stretch it out more if need be.Basically, has anyone used either, or both of, these companies? How are they? How are their warranties? Is costcos warranty good enough for one month of interest on less than a 1000 since I plan on using what I saved and only charging the remaining balance, or are the the same enough that 0 interest from bestbuy is the better option?Assistant: Im sorry, but if you cant buy a television without financing you cant afford it. Period, end of discussion. Now if you can buy it in cash but want to use 0 financing thats another story, but if you dont have whatever the cost of the tv is in your bank account today you cant afford it. Human: Its not that I cant buy it outright if i want to dip into my other savings, like my Europe fund for my trip next summer, its just that the money I earmarked specifically for a TV isnt enough to cover it once I got convinced not to be a cheapskate and buy quality. And havent decided yet if I want to dip into other earmarked monies.  <response>: Uh, you cant afford it. You have a vacation fund...if you dont want to dip into it its probably bc you wont be able to save that amt you took out...even in a year...you cant afford it. 