For someone who relies on his computer for his income, this was a nightmare scenario. If it weren’t for a 24/7 Apple Store, I might have been in a much worse position.
No, strike that. If it weren’t for my complete lack of planning I might have been in a much better position. Had I thought about what I would do in case of a computer failure, I could have made better decisions. It’s my hope that reading what I learned from this situation will help you better prepare should it happen to you.
Back Up EVERYTHING
Sure, the need to buy a new computer was a pain. But it didn’t compare to the agony of replicating the applications and documents on that new computer. That process took months to resolve completely. Immediately, though, I needed a few things right away.
- Documents I’d been working on.
- Proprietary applications for clients.
- Stored passwords for email accounts.
That last one was a killer. Sure, I remembered my Gmail password, but I did not have the information for my accounts in Thunderbird/Entourage (Outlook). Had I taken the time to back up everything, this wouldn’t have been half the hassle.
When I say back up EVERYTHING, I bold it and put it in capital letters for a reason. This means:
- The entire computer. As in, a full and complete backup on an external hard drive. On a Mac this is easy with Time Machine. Yet I’d neglected it.
- All documents. Yes, the full backup gets these, but it’s better to have a spare copy just in case. After the crash I invested in an 8GB USB flash drive and add documents to it every day after work. I also upload all new documents to Dropbox.
- Passwords and server information. These go in a document that gets stored in two places: my USB drive and a secure app on my smartphone. There is no way I’m letting that list into the cloud. Nosiree.
If you haven’t done this, go do it now. Seriously. Stop reading and go back up everything. Drive to the store and buy an external hard drive if need be. You’ll thank me if your computer crashes and you have a workable backup.
Start an Emergency Fund
When I bought that new MacBook, I had to put it on credit. But because my credit card didn’t have enough available balance, I actually had to apply for credit through Apple. They approved me for a sufficient amount, to my relief, but the interest rate was horrible. It took me a few months to pay off, and I ended up paying quite a bit more than the ticket price thanks to the interest.
Had I started an emergency fund, I might have been able to buy the computer outright there, saving myself a wad of cash down the road. My old computer lasted me three years, so even if I’d put in $8 per week I could have gotten a $1,200 computer. You might want to put in more, since computers can go at any time. But it can be $20 per week and you’ll be well off.
Having trouble finding room in your budget? Aaron Koo has a long series of Money Monday columns on this very site that can give you plenty of ideas. If you even cut back on the booze you’ll be in prime shape to build an emergency computer fund.
Decide What You Really Want
Technology advances so quickly that we often feel behind the times when our devices are just a few months old. By the time my MacBoook fell off my desk, I was growing disillusioned with Apple products. The time was coming to make a switch. But because of the urgency to get a new computer, I had little choice. I had to get what was familiar.
Had I had some time to decide on a new computer, I might have gone with something different — something cheaper, or something more powerful. Chances are I wouldn’t have paid for the Apple brand name. In fact, after a few quality sales earlier this year, I went and picked up a Lenovo Ultrabook. It provides much more bang for the buck than a comparable MacBook. With the savings I can not only start a new emergency fund, but also start a fund for a tablet PC. With the MacBook I wouldn’t have had that flexibility.
This can work both ways, though. Maybe you want to buy an Apple PC. Once you decide that, you can adjust your savings or emergency fund accordingly. Want to pick up a cheap desktop to go with a mid-range laptop? You can do that, too. But you can only do it if you decide in advance. If you’re blindsided and you depend on your computer for your income, you might not have any choice in the matter.
It might sound dramatic, but it’s true: disaster can strike at any time. You don’t have to be as klutzy as me. It might be someone else who causes your equipment to break. Your hard drive might crash. Your motherboard might die from wear and tear. Whatever the reason, the result is the same. Make preparations now, while your computer still works. You’ll find yourself in a much better position when it inevitably breaks down.
Joe Pawlikowski writes and edits tech blogs on topics such as prepaid cell phones and Android phones. He writes about telecommuting life at A New Level.