Yes I am a gamer, no I don’t want to use the Laptop for gaming.
The Laptop in question is the ‘Lenovo IdeaPad Gaming 3 Gen 7’, I can’t out right purchase it outright as any device is way to pricy for me. So it would be an monthly payment through 2 years.
Why do I want the Laptop?
I’ve been pushing myself to edit videos and have got to the stage that I have registered a company that I’ll be doing this under. Sure my PC would do the ok job, it runs the programs I need such as Premiere Pro but I feel a more portable set up might be needed in the future for as my partner wants to go away to so many places in the future, the ability to move rooms in the house when I feel I no longer can work in the room such as my office to the sitting room as well as if it comes to it I can use the laptop for more ‘high-end’ gaming on the go in my spare time.
Why this Laptop?
Well I saw it on my phone providers website as I was checking when my current laptop is due to finish it’s cycle (The laptop I have currently only have 4GB of ram and can barely open the internet) also it cost like ~£40 a month.
How much would I be paying?
The cost on the website is £42 a month with £10 upfront cost.
This does come with a ‘bonus’ of 2 year subscriptions of Microsoft Office 365 and Xbox Game Pass Ultimate.
I mean you don’t need a full time job. Flipping burgers at mc donalds for a month or two would suffice to pay for a new pc if you don’t have to pay for housing and living during that time.
Now I don’t know where in the UK you live but its getting close to Christmas so they will need more people to sort post and packages for the next two months. Retail will also need more staff for the next two months.
Leading up to Christmas is one of the best times to find a job for extra cash.
If you’re also any good at photography and have a portfolio you could probably find a studio that is looking for an extra pair of hands with family photos and christmas cards.
Don’t put yourself in debt unnecessarily praying for a business to hopefully be successful enough to pay off the monthly payment on a laptop that you can’t actually afford.
@Tuss That’s the thing I do, If I take on any more money I have to pay huge amounts of TAX on it. It’s not that my company is going to take on the payments, it’s that I’ve taken off a lot of un-necessary payments lately and feel this is one of the best tools that I most likely can get, sure for monthly payments but if my company does well I can always pay for the rest of it off in one go instead of waiting for it to finish and if it doesn’t least I have a decent laptop to do the work on, as well as possibly game on.
If you are currently beneath the personal allowance limit of £12,570 then it’s still only 20% on anything above the limit until you reach 50k and then it’s 40% on anything above 50k. So 12,5k-50k is still 20% and anything under 12,5k is still tax free.
So if you do get a job to save up for a pc you would only pay lets say 200 in tax on 1k if you’re in the 20% bracket.
It’s not like they would force you to pay 20% on your whole allowance just because you hit the allowance limit.
You say TAX like it’s a big scary thing but the only difference is that you have to work a couple of extra hours to make up for the tax that you will be paying. If you get £10 per hour you would have to put in 2.5 more hours to make the same as you would before the 20% bracket.
I’m currently paying 34% on everything I make if I make over 3k. I would gladly take the allowance and put in a few extra hours if I hit the 20% bracket.