Eric's Credit Community

Hello!

So I love my iBook, but its old and sadly its time has come.  It is badly in need of repairs and upgrades so I decided I'd be better off trading up.

I want to get a refurbished MacBook Pro from Apple.  I REALLY wanted a brand new one, but I've entered the fiscally responsible portion of my life now, and decided it made much more sense to go with a refurb.  In addition to basic computing needs, I want to do some video editing too so it will work nicely.

I have a good steady job at a Film and Television Studio (my boss is a friend so it would be REALLY hard to get fired) and I always pay my bills on time.  I have worked here for about three years now.

Since the minimum loan amount is about $1000 more than the computer I need, the extra will go to payoff a higher-interest credit card balance so I can close the card.  I'm tired of being at the mercy of credit card companies.

That is also the reason I've listed this loan at a lower interest rate than is typical for my situation.  Since I am in my Fiscally Responsible phase of my life, there is no way I'm going to add any more high interest debt.  If I can't get a loan through here I'll put up with the old computer until my credit score improves.

My credit rating is lower because of a small personal bankruptcy I had 9 years ago, I was in college and had just discovered the ?joy? of credit cards.  Yes, I?ve learned my lesson.  Volkswagen Credit also seems to think I?ve learned my lesson as they are a top tier lender and they gave me a fairly low-interest car loan about 8 months ago.

Monthy Budget:

(my paycheck fluctuates slightly as I work a lot of overtime, also I recently got a raise)

Net paycheck     $2600

Expenses:
Rent          $825
Gas            $90
Net            $21
TV             $28
Auto           $29
Auto Ins.     $141
Rent Ins.     $25
Utilities        $53
Gym            $39
Capital One  $150
HSBC           $62   (this payment will decrease after Prosper loan)
Paypal          $33  (this payment will go away with the Prosper loan)
Food            $150

Total:           $1910

Leftover for Prosper payment:  about $600