I agree with the others. Go for it. We only come around once in this life and need to enjoy this moment. I am looking at the 830LE and when I found out about the monthly payment, I did put that on hold. When son buys house, I will get it. I can wait. I have a Janome 10000, and have not used it to full potential. DON'T feel guilty. Enjoy every minute of it.