We save up. My husband really doesn't like debt (which is why we rent, grrr).
But, we don't really buy lots of new expensive furniture. Our couch, coffee table, one book case and end tables are secondhand from a bid sale, our arm chairs are from my parents, our dining table's from Ikea and the bed we bought from Amart. Our fridge is on the smaller side from Good Guys (paid cash). Our other bookcases and TV unit is from Reject shop. My parents gave us our washing machine as a wedding present.
I have one of those interest free cards, but I haven't used it yet. We're planning on buying an entertainment unit so we'll probably use part savings, part interest free.
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09-04-2012 17:51 #41
09-04-2012 17:51 #42Senior Member
- Join Date
- Oct 2011
09-04-2012 17:52 #43Baking No 1
- Join Date
- Nov 2010
We do interest free
09-04-2012 20:43 #44
we save up half the amount if over 2K but under 20K. Then interest free if applicable. That way we have some-most of the money saved up offsetting our loan and utilize interest free programs. Also lets us know if we can make the payments each month.
so if the payment works out to 200per fortnight we have to save 200/fn for 3-4 mths to prove to ourselves we can afford the repayments..
We havent had to use this other than when we bought our car a few weeks ago.
09-04-2012 21:48 #45
Buy outright. With Dh's income we are usually able too. He gets paid fortnightly. If it was under $3000 then we wouldn't have to wait (normally) if it's over that then we would save but it wouldn't take us long. That being said would mean we wouldn't be putting any savings away.
It's not often that we find ourselves without enough to stop us from purchasing things. We also save fairly well so thankfully we are in a fairly good position.
09-04-2012 22:40 #46
Interest free here. We always buy only when theres 48 months min interest free and we ensure it's paid off at least 6 months before the interest free period is due to expire. We never not have something on interest free.
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