Furniture costs can add up fast, especially if you’re just starting out. Options to help you save money include:
Some furniture companies offer rent-to-own plans for buying furniture. With rent-to-own, you make monthly rent payments on your furniture. After a certain number of payments, the furniture is yours to keep.
Rent-to-own plans usually aren't bargains. The monthly payments end up costing you much more than it would to buy the item outright. For instance, an item that sells for $300 might cost you $700 after 24 monthly payments. This is because the payments don't stop when they add up to the original cost of the item; the agreement is made on the number of payments, not the actual cost of the item. You're better off saving for what you want—and paying the lower price. Click here for an example of how rent-to-own plans work.