Have you thought about checking CL or thrift stores for a used machine? If you want a new machine, check out HSN, you can get a Janone, Brother or Juki on payments. You can use a debit card or paypal account and before Christmas you might get a free shipping deal. Plus if you buy now, you have until Jan. 31 to return it if you don't like it. Also if you wait until craft or sewing month (can't remember which) you can get a deal, it is usually March.