Third party programs that run on Windows 10 or almost always made to run on Windows 8.1 also. So it is not clear why you want to move unto windows 10 at this time. Is there some specific thing about Windows 10 you want to have?
You do not have to spend money to try Windows 10 for 30 days. Under some conditions you might be eligible for a free copy of Windows 10.
You can download a ISO file from Microsoft that can be used to make a DVD for a new or upgrade install of Windows 10. At the time of install yu have the choice of a regular upgrade or a custom install. I recommend you try the custom install. With custom install you can put a clean copy on Windows 10 on exasperate Hard Drive or partition.
If you have a spare computer, you can try Windows 10 first on the spare and see if you like it. You can take 30 days to decide if you want to move up to Windows 10 or fall back to Windows 8.1 as your favourite OS.
My advice is to
NOT upgrade to Windows 10, but keep what you have. Upgrades can fail and you have the unhappy chore to fix up what went wrong.
Many users prefer to have a dual-boot option for Windows 10 and an earlier version. See this:
http://www.techradar.com/news/software/operating-systems/how-to-multiboot-windows-10-with-another-operating-system-1300472Introduction
Windows 10 is here, but some users may not want to get rid of Windows 7 or Windows 8 quite yet. They may have a Mac or a Linux-based computer. Buying another computer for Windows 10 is one way to have both, but this option can be expensive.
Another option is to simply run both operating systems on the same computer. This set-up is commonly referred to as multi-booting. Dual booting is another commonly used term, referring to the common set-up of two operating systems. Some users opt to add additional operating systems, but two is the most common set-up in a multi-boot The multi-boot set up below is a dual boot.
Another idea. Some vendors offer older computers with Windows 10 installed.
It is legal. Microsoft gives certified vendors the right to sell a older PC with Windows 10 on it. Sounds crazy, but true. You can buy a used PC with Windows 10 for less taht the retail price of Windows 10. No joke.
Search for
Used PC with Windows 10 and see for your self.
Example:
Acer Desktop Computer $100Just a thought.