When I lost my job I had my Viking 835 in lay away at Joanns. A friend gave money as a Christmas gift towards it. When I got my severence pay, I paid most of my bills off but kept money out to pay off my new machine and get it out of lay away. I did feel guilty, but thought, I worked for years and I want to spend a little money on myself. I love my machine and do not regret getting it.Intead of guilt feeling, just think of how many beautiful gifts you will be making on your new machine! Hugs!!!!