If you’re setting up a home for the first time, or moving out of student digs and looking to furnish your first full-sized apartment or house, then you’re probably on a fairly tight budget. Getting ‘luxury furniture’ in that case could be tricky. Do you want to blow your entire budget on a leather sofa, leaving nothing for the bed or a decent dining room table?
When you’re on a tight budget, it’s important that you think about your priorities. There are some things that are worth spending more on – a good bed, for example, or a good computer chair and a desk for your office if you work from home. Other items you can compromise on in the short term and replace later. There’s not a lot of point spending money on furniture that just looks nice, but that you won’t get a lot of use out of.
Don’t forget that you don’t have to buy all of your furniture new, either – you can buy a lot of stuff second hand and clean it up – or you could even pick some items up for free from Craigslist (sometimes items are given away free, sometimes for very low prices) or Freecycle in your area. A lot of families give away old items when they are upgrading or moving house, and you can pick up things that are in very good condition for just a small amount of money.
It helps to have access to a car to get the items, especially if they’re big and bulky. But, if you don’t drive and ask really nicely, some people will deliver for you. It’s good manners to thank those people with a gift, even if it’s just beer, wine or a small amount of cash. After all, they’re helping you kit out your home.
If you’re looking to spend money on luxury furniture, then the most sensible thing to do is to save up and buy each item outright. The interest charges on hire purchase can be incredibly high, and by the time you’re finished paying off the item, it could be tattered, out of style, or otherwise in need of replacing. Don’t borrow money unless you need to – make do with faux leather, veneered wood, or second-hand items, and gradually upgrade to your dream decor.