really I don't care about interest
I rather live the moment than the futur.
No offense but are you trying to troll?
Assuming you're posting in good faith, if you have to loan money (at 12% interest no less) to buy $2000 worth of computer hardware, then you are way overstretching your budget, and if you "live the moment" so to speak, you may end up having no future.
But hell, your life your money, do whatever you want.