When shopping for a professional desktop computer, there are a lot of choices to make. You have to consider CPU, RAM, storage capacity, monitor size, ergonomic keyboard, mouse, and more. Not all desktop computers are created equal. Unless you’re pretty familiar with computer hardware, you’ll have a hard time choosing the best professional desktop computer.
The good news is we researched, and here are easy ways to buy a professional desktop computer.
1. Take Advantage of the Hire Purchase Option
An essential component for growth and success has the right desktop computer. When it comes to buying a professional desktop computer, financing is one of the key things to consider. One of the options is hire purchase.
Hire purchase allows you to buy a professional desktop computer on finance using monthly payments. Typically, the monthly payments usually cover the purchase price plus a fee for the lender. Once you complete the agreed hire purchase term, you get to own the desktop computer.
Hire purchase is a great option as you have a predetermined monthly payment. This can help you budget more effectively. You also pay nothing upfront. Let’s face it, a lot of people and businesses struggle with cash flow. As such, they find it difficult to keep the coffers full. Because hire purchase requires a small down payment, you can buy the computer without getting into debt.
Often, you have got the option of choosing a fixed term and a deposit that suits your budget. The longer the agreement, the lower the payments each month. You can also tailor your repayments according to your income if it varies at certain times of the year.
Throughout the duration of the agreement, the monthly payments and rate of interest are usually fixed. This allows you to plan your cash flow accordingly.
2. Get a Short-Term Loan
When it’s time to buy a professional desktop computer, a short term loan is one of the best options. Short-term loans are usually secured and generally have low-interest rates. So, you must consider the cost of the new professional desktop computer, the interest, and the payment schedule.
Short-term loans from banks will vary in loan amounts, payback periods, and interest rates. Reach out to your own bank to find out what short-term loans they offer. Besides banks, you can get a personal loan from an online lender.
With one simple online application, the lender will approve an instant loan from £100 to £10,000. To be eligible for short-term loans from online lenders, you must meet the following requirements.
- Be 18 years or over
- Be a UK resident
- Have a regular income
- Have a bank account with a debit card
Check your eligibility before applying for the loan. This will not affect your credit rating, and it’s free! Even with a bad credit rating, online lenders will lend you money. However, the interest rate will be higher.
3. Check Some Newer Second-Hand Models
Buying newer second-hand models is an excellent way to save money. To get the best deals, do pricing comparisons. Just like a car, a desktop computer decreases in value every year. However, the person selling the computer may not know what’s the good price for the model.
Since you don’t want to pay the price of a new desktop computer, research online and compare prices. If the buyer pressures you to make an immediate decision, be careful. The buyer could be trying to get rid of a lemon fast.
You must never purchase a new second-hand desktop computer without testing it out first. Set a date with the buyer and choose a public location to test the computer. Power up the PC, open a browser and a few tabs. How does it handle load times?
Check for errors or issues during bootup or random shutdown, especially when opening programs. A computer that has trouble booting up or running a few programs is not worth buying it. Before deciding to purchase the computer, run it for 30 minutes.
Once you buy the newer second-hand model, run antivirus as soon as possible. Purchase and download an antivirus program, then scan the computer. It’s possible the seller may have installed malicious programs. Don’t take any chances.
4. Save Money for a Few Months & Buy a New Piece
A new professional desktop computer costs between £500 to £10,000 depending on its inside components. This is a lot of money for many people. However, you can save money for a few months and buy a new professional desktop PC.
Before saving any money, find out how much your preferred model costs. For example, your preferred professional desktop computer costs between £1,000 to £3,000. Now that you’ve got a goal in mind, budget for savings.
Start by re-organizing your expenses by creating a budget. The budget should outline how your expenses measure up to your monthly income. This will allow you to know if you’re overspending. It’s important to factor in expenses that occur regularly.
Now that you’ve outlined your expenses take steps to cut your spending. Identify the non-essentials such as dining out. You should also find ways to save on fixed expenses such as cell phone and streaming subscriptions. Set goals to save money. We recommend saving 20% to 30% of your monthly income. Always set small and achievable goals. Reaching smaller goals is easier, and you can enjoy the reward you’ve saved for.
Most banks offer automated transfers between savings and checking accounts. Using your bank’s mobile app, choose how much and where to transfer your savings. A portion of your monthly income will go directly into your savings account. Now sit back and watch your savings grow!
Final Thoughts
There you have it—four simple ways to help you buy a professional desktop computer and save money. Follow the tips above to ensure that you purchase the best desktop computer without affecting your credit rating.