It doesn't sound like you have room to negotiate.

While a quality mattress is worth paying for, I would not go into debt for two or three years to buy furniture, especially bedroom furniture. If you would like suggestions for alternate ways to furnish the room, try posting on the Home Decorating forum. ANd there are other sources for a quality mattress besides a furniture store.

This post was edited by graywings on Mon, Jan 12, 15 at 11:07

Buy quality used for cash, and use the savings for a new mattress. Most inexpensive furniture these days can't touch the quality of older furniture. You can get better for much less going that route.

Find something you like and order it from one of the NC stores? Prices are often significantly less than retail prices, and the tax savings can cover shipping costs. But I don't know if they offer financing. I always use cash for furniture. The "free" financing is paid for by the mark up in the furniture, and most stores will give you a discount if you don't use it.

Sorry, but that seems way overpriced for what you are getting. I agree with others - shop craigslist or your town consignment stores for cash. You can get beautiful solid wood dressers for $200-$300 bucks. Interior designers will tell you that the "matchy matchy" bedrooms sets are no longer on trend anyway.

good luck!

Matchy-matchy may not be on trend, but it's kind of how I am :)

I don't know how financing works, but we can put down about $1,500. I almost figured, why not buy some of the pieces with cash instead because I think things paid in cash would be most likely delivered for free.

I think any discount you would have negotiated went into the financing. There's no such thing as free financing. If they aren't charging you interest, then they have to make up the cost of not having the cash somehow. And that usually gets built into the sales price.

And if I had $8K to blow on bedroom furniture, I'd probably pay an extra $350 to have it delivered to me rather than finding a truck and several friends to haul it up my stairs.

I'd get a mattress and a $30 frame and sleep on that with laundry bins for clothes until I was able to save up for the set I wanted. I know it seems wrong to live like a student when you've got a brand new beautiful house. But if you can't afford it, there's no shame in waiting until you can. You'll spend less in the long run. And the tighter money is, the more important it is to save every penny.

Oh, and just because he's on salary doesn't mean he doesn't care about making a sale. There may be quotas, or bonuses for reaching certain numbers, or even promotions based on productivity.

The delivery fee is less than 4-1/2% of the purchase price. I would rather pay to have something that expensive delivered safely than try to skimp on that. I think you are trying to save money in the wrong area.

Have you looked at online prices for that furniture? What you are talking about seems way high. How much of that is in the mattress?

Before financing furniture, look at outlet centers and used furniture. A lot of used furniture is better quality than most new furniture. I've never been to Ashley's but from what I've heard, I sure wouldn't shell out that kind of money on one room. Don't know the brand you are talking about, but I think you can probably do better. If you don't have more choices, you probably don't have negotiating power.

I understand the benefit of a good mattress for someone with health needs, but is there any way you can pay cash for it and then save for the bedroom set you would like to have? I would hate to see the stress of more debt negate the benefits of sleeping on that new mattress.