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If you're going to upgrade anyway, save for another 2-3 months for a higher chip or buy second hand?
You have to think: do i want this to last a good while? If yes, patience my friend.
Personally, i tend to buy on interest free credit and pay it off monthly over a year. The only way I afford stuff :)
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My strategy is to resell everything and I buy frequently enough that parts often sell for 60-80% of what I paid initially. So everything is effectively ~1/4 the cost. It is closer to renting than buying though. Do you hold on to all your old gear?