Is it wrong?

Well, it's not wrong, but it's not a wise decision. Can you perhaps have the iPod repaired instead of getting a new one? Is it covered by warranty? But I don't understand the 2 check thing. Since taxes are based on percentages, it's all the same in the end, isn't it?

I would pay my bills first. You pay more interest on unpaid balances. By paying your bill(s) you could save enough on the interest to buy a new Ipod :) or at least put toward buying a new one.

I am not sure that there is actually a right and wrong in this situation but think it through very carefully before doing anything rash. Of course it would be good to have a new iPod if your old one is acting up. However is a new iPod absolutely essential to have? On the other hand you have this huge credit card bill which is also accruing interest on the unpaid balance, or that is generally how they work. If you do not pay the money off your credit card, then the amount will not reduce plus there will be even more interest added to the balance. If the choice was mine, then I would be paying the extra off the credit card. Once you have that down to a manageable level, possibly with a zero outstanding balance, then you can use it to get your new iPod. Also if you put all the extra money you get for the overtime off your work, then the credit card bill will be paid off before you know it. Then, perhaps you can get a larger and better iPod. Sad that I have to say it as I have above, because I think that you would have liked someone to say "get the iPod and pay the credit card bill off later". Well, that person is not going to be me because you can always get the iPod later but if you harm your credit rating, that is harder to repair.

Of course, you should do whatever you want, but I would recommend that you pay off someof your credit card bill. I know that is easier said than done. In fact, I have been in your shoes before. Many times I chose to get a new toy or a new outfit. Unfortuently, that didn't help my debt and I am still in debt today.

pay your bills,you can always get a new ipod at a later date.xx

What's more important? Being debt free or having a new toy? I always use any extra money I have to pay off my credit cards. I'd rather be debt free sooner then have an extra toy or gadget. Things like that can wait.

Trace you need to pay of your debts first then buy what you want when you save the money. I'm doing that now. I pay myself first. read the book "The Richest Man In Babylon" I'm not sure who it's by but very good reading one of a couple of books that changed my whole look on finances. Please read it

I would buy what I wanted only because life is too short and you never know when your time is up. I say enjoy yourself. The bill will still be there next month. Yes, bills are important. Now if it was the electric bill and they were going to shut you off, I would have said pay the bill. But the credit card company will just send you nasty letters and call you all the time.

Pay all your debt off first. After that if you have some left, buy your toy or save up for it. Take a look at my discussion on credit card collectors. I was paying my debts fine till I became unable to work. You never think it's going to happen to you, but it can. And now I am stuck waiting for my government benefits for months and months, unable to feed my family without food bank help, etc. If you pay off your card first, and please don't drive it up anymore than absolutely necessary, then save up and buy the iPod...you will be much happier in the end. Don't be a spoiled brat who HAS to have an iPod or cell phone. Work for what you want instead, and in the end you will appreciate it more.

Its easier said than done when people say to pay off your bills first!! I always do that!! I want to pay off the bill, but then I see something I think I need more!!

Well instead of buying an Ipod why don't you look at a cheaper version of it? If you can get by with one that isn't as expensive perhaps you can pay off your bill and buy the player you want. That way both things are done and you don't have to worry about the huge bill being over your head or your player quiting on you.

I always pay my bills first. Why risk a negative blemish on your credit when you can avoid it? Pay the credit card bill.

well, learn to manage urself and things buddy... infact learn to live.. cheers :)

We'll it's not wrong to buy the things you've wanted but what's wrong is to ignore paying your bills and obligations. Try to prioritize which one is important, to know what's importaant ask yourself what are the things you can't live without...

I don't think you will really enjoy the toy much if you are in debt because of it. Consider your priorties and follow the path of reason. If your credit card bill is so big perhaps you already have treated yourself to some things.

it is not wrong but you may end up in the same position again after some time and your bill may pile up again.what will be the solution then?if you have huge otpayment coming up, please pay the bill and that will be good.

After all this hard work do you want to still continue debt-ridden. Say Debt-riddance is good-riddance and finish off your debts. Same kind of hard work next month and you can get a new IPOD. Now that will be debt-free. Think....there is no one to pester you for money.

ya its wrong..dont do that ok.

I would buy the ipod but give advice to everyone else to pay it of the credit card. Why dont you do both, buy a cheaper ipod of ebay or second hand and pay the rest off your credit card. you get the best of both worlds then.

Buy the I-pod and you will continue to Pay The DUMMY TAX of interest. What ever possess a person, who owes money, to think the need something that didn't exist a few years ago. If you have a job, be thankful. If want to accumulate Wealth and not worry about a job. Pay the credit card off ASAP. Throw it away. "No more effort is required to aim high in life, to demand abundance and prosperity; than is required to accept misery and poverty" By the way splitting checks can get you in trobule if there are too many of them, you could have additional Tax Liability. On top of all that old man ranting. Have a Happy & Safe New Year