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Determine a limit for what you’re willing to spend. Don’t get tempted by software you don’t need. You can usually get a decent desktop computer system for under $1,000, unless you need the additional features of a more expensive system. Laptops tend to cost more than desktop computers with equivalent features, but you can buy most for less than $1,000. Generally, Apple computers tend to be more expensive than computers that run either Windows or Linux. However, they’re popular with users who do a lot of graphics work. They’re also less vulnerable to malware. ” Do some research on when computer manufacturers come out with new models. Usually, they’ll drop the price of the soon-to-be old model around that time. If you don’t worry about having the latest technology, you should consider this option. Different manufacturers have different schedules. Some introduce and phase out models throughout the year. However, most refresh cycles tend to fall during these times of the year:  Back-to-school (June-September) The holiday shopping season (October-December) Spring (February-April) Do this if money is especially tight. Refurbished computers cost considerably less (as much as 20 percent) than brand new computers and run just as well. In fact, many refurbished computers have never been used. Buy only from reputable sellers or manufacturers like Best Buy or the Apple Store. Make sure your refurb comes with at least a one-year warranty. If you’re a student, educator, or member of the military, have your ID ready. You might be eligible for a five- to ten-percent discounts off the retail price of your computer. Your student, faculty, or military ID must be current. When you buy on installment, you pay a certain amount up front (about 10 percent) and continue to make monthly payments until your computer is paid off. Ask about interest rates and whether the store finances through a third party. Read the fine print before signing off on anything.

Summary:
Set a budget. Check “refresh cycles. Consider a refurbished computer. Ask about discounts. Ask about a finance plan.