My laptop has given up the ghost, after 7 years of fairly good service. I bought some components cheaply last year, on the advice of one of our IT people, who installed said components, but it just doesn’t have the capacity to run updated versions of programmes any more. The hard drive memory is at capacity now with just the programmes I need for college, work, some basic photograph editing software, Skype, and iTunes. As I use my computer I constantly get warnings about “High CPU Usage“, and the number of time programmes stop responding, leaving me waiting for 3-5 minutes before normal service resumes is beyond counting now.
Alas, I am unable to replace my laptop for one with the necessary capacity; I just don’t have the funds. I am on a DMP, which prevents me from getting credit, both because my rating is less than poor, and because it would be a breach of the terms of my DMP. All the money I set aside is already earmarked for various bills that arise throughout the year: car insurance, house insurance, college fees, etc. and my “in extreme emergency” fund. I most certainly don’t have anywhere near the six months’ of salary most financial advisers say should be set aside for emergencies. In fact, if any of my creditors find any of my funds in any account linked to their organisation, they empty it immediately, leaving me high and dry. This has already happened once with my salary: the money was paid into my account, and just one minute later the bank had withdrawn it all. I had to spend 24 hours at work – I didn’t have the funds to get home, and come back in again – to sort the whole mess out. Of course, I had to change bank accounts immediately, too.
I acquired my last laptop through one of those internet dongle deals from PC World. As the deal was through my current mobile network provider, I passed the credit check being a solid customer, but the actual transaction showed as a normal phone contract, not a credit agreement thus avoiding the notice of my creditors. It was an expensive contract, but at least I had a working laptop. Unfortunately, those kind of deals no longer exist thanks to WiFi – nobody needs a dongle any more.
I really need to upgrade in order to continue with college, but it will be another 3 years (at the very least, but probably much longer thanks to Halifax) before I can get credit again.
I looked at various methods of acquiring laptops, yet I’ve not managed to find a solution to my problem.