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This post is part of the series Budget Guide
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In this follow up to my Budget Guide series, I will be sharing with you how we were able to furnish our home and prepare for the arrival of our first child while staying within our budget.
Both my husband and I work full time and what limited free time we have after work is filled up with family events, church activities, and helping to launch a family business with my parents. After our little Peanut was born, we had to do some creative juggling to maintain our old schedule and care for a newborn. Our house was lacking some much needed furniture, but we did not have the time nor the energy to go store hopping to find the best deals.
So here are three tips for big ticket items based on how we stayed within our budget.
If you have a busy life and do not have the time to travel from store to store comparing items and prices, I recommend shopping online from reputable online retailers.
Last year we purchased four dining room chairs, a small cabinet for the kitchen, two bedside tables for the master bedroom, two large area rugs, a rocking chair, and a crib mattress all online. In most cases, we did careful research to find the items that we wanted that were within our budget. Then we waited until the online retailers were running sales, had discounts, or offered free shipping.
Free shipping is crucial, especially with large/heavy items, or you will find yourself spending $20+ on shipping and handling fees!
If you do have the time to visit the secondhand stores in your area and are patient enough to wait until you find the right items, buying secondhand may be the right direction to go in.
Depending on the time of year, you may find good deals on larger furniture items. Almost year round, you can find curtains, throw pillows, artwork, and other pieces to accent your home. There are two keys to successful secondhand shopping: 1.) visiting thrift stores located in the higher income neighborhoods, and 2.) having the time and patience to shop around.
Be very specific about what items to you buy. Even with secondhand stores, you need to carefully consider your purchases. You might find an excellent deal on a couch but is the item in decent condition, would fit your home and style, necessary at this time? Basically, even at the discounted price, ask yourself if buying the item is worth it.
It is very easy to slip into a shopaholic mindset and buy anything that catches your eye, only to regret it later when you look at your dwindling checking account.
Get items from family and friends
This third tip is similar to buying secondhand and is very useful when you are first setting up a home but may not have the funds yet for furnishing it. That is: get items from family and friends for free.
Coffee tables, couches, end tables, dressers… sometimes our family and friends have a treasure trove of items they are replacing or just no longer want or need.
In our house, our couch and recliner in the living and the long dresser in our master bedroom were free from my older sister and brother-in-law. A dresser with a hidden desk, a china cabinet, and two bar stools were from my husband’s grandparents. Our current coffee table and a corner accent table we use in the hallway were from friends.
Do all of these pieces match? No, but they are all great pieces individually, fulfilled a genuine need in our home, and, most important for us, were free!
This means that they fill our home with desperately needed storage and comfort while giving us time to discover our unique “style” and save up for big purchases. Couches, for example, can be very expensive when you buy new. Why rush into a purchase you may not really love or may not fit you in a few months?
We have a decent-looking and comfortable couch that has work for us for two years now and, because it was free, I do not freak out when the baby spits up all over it. We know that eventually we will be replacing the couch with a better one, but it does its job for now.
So to sum up: to save some money if you are furnishing a new place or haven’t discovered your style yet, see what big items you can get for free from family and friends. Then, if you have the time, visit secondhand stores, especially those in the higher income areas of your town, to find items at bargain prices. To finish up, shop online to find quality items on sale and with free shipping.
These three tips can help you stay within your budget when shopping for big ticket items.
Continue reading this series:
Budget Guide: What to do with your tax refund?