Save Money When Buying Furniture

Furniture, such as dining sets, chairs, or desks, is something that every home should have. Occasionally you may rent a home that is furnished, but typically you might want to get at least some furniture of your own. However, have you gone into a furniture store lately? A while ago, I went into a local furniture store that should stay nameless. Their sale price for a sofa was over three thousand five hundred dollars! New furniture can cost you a bundle. This article talks about possible ways you can save money on furniture. These incorporate using credit, using installment plans and layaway plans, renting to own, and buying in used furniture stores, which generally is the most desirable option in my view, so long as you are cautious and know what you are doing.

Using a credit card to buy furniture certainly allows you to spend far less money up front, and you have some safeguard if your furniture turns out to be defective. However, if you use it to buy new furniture you end up spending even more money because of the interest charged. Credit cards can be a good option should you be able to pay off the remainder in just a few months, and you use them in a used furniture or resale furniture store instead of one like, say Pier One.

Using an installment plan usually costs you less in interest than using plastic, but it is still more expensive than cash and you don t have the protection credit offers. Use this way only if your credit cards are carrying high balances or you have bad credit, and again, buy your Used Furniture.

A layaway plan is for the most part the most inexpensive way to spread out your payments, but added to the installment plan disadvantages are the fact that you will need to wait months to receive your furniture. This choice should only be used if you are really broke, and it could make more sense to save up the monthly amount and then pay cash when you have enough money.

Rent-to-own is the worst possibility because you end up paying the most. There's a reason that it is challenging to find prices other than the monthly amount at rent-to-own internet websites; it's because the price after putting together all the payments is so high.