This week I made the huge financial decision to purchase a couch. Not just any couch, though. It's a comfy, soft, reclining sectional unlike any other, that my boyfriend and I loved. We loved it so much, in fact, that we paid $2,300 for it.
The price still shocks me. That is a lot of money. In the store, we were mulling over the pros and cons of buying it, whether or not we really needed it, and the financial burden it would mean. Of course, it's possible that our decision was influenced by the fact that as we were going back and forth, we were reclined on the fluffy, soft cushions, drowning in comfort.
Finally, we decided that since we did need a couch, we might as well buy something that we love and will last. (Hopefully this expense lasts for many, many, many years.) We told the couch-salesperson that we were going to buy, and since neither of us had $2,300 to fork over, we had to go with the next best thing: 1-year financing with 0% interest.
Another monthly payment, great.
But, it's the price you pay for a comfy couch, I guess. Life is full of buying decisions. With loans, and the option to finance, it makes buying big, expensive things easier. I guess the rule of thumb is to make sure that you will have the money to pay. Staying objective in your purchases (you know, avoiding fluffy couches) will help you avoid impulse buys, and will give you a financial advantage. Thinking about big buying decisions before you go into the store, will allow you to stay focused on what you truly need. Preparing yourself financially (and mentally) will ease the shock of the cost, and will reduce the guilt associated with spending.
When it comes down to it, borrowed money is borrowed money. That fluffy couch isn't truly yours until you pay for it.
The cost of the fluffy couch was an expense I was expecting. And, there is no doubt that I am excited to have a couch to recline and relax on as I watch the final round of America's Got Talent (can't wait for that, by the way). In the meantime, I am baking delicious pumpkin chocolate chip cookies - perfect for fall and perfect for after-spending-money-on-big-expenses-like-couches.
Have you ever made a big purchase? What makes you feel better about it?
These cookies help me get over cost-shock! This is my absolute FAVORITE cookie recipe. They are the perfect fall food, party food, or any occasion food, really.
I don't know if baking cookies makes buying big, expensive things okay, but their deliciousness helps in the moment! Tell me about your big purchase, and what helps you cope.
(In case you want to try the cookies...Here is the recipe!)
- 1 cup canned pumpkin puree
- 1 egg
- 1/2 cup vegetable oil
- 1 cup white sugar
- 2 cups flour
- 2 teaspoons baking powder
- 1.5 teaspoons cinnamon
- 1/2 teaspoon salt
- 1 teaspoon baking soda
- 1 teaspoon milk
- 1 tablespoon vanilla
- 11 oz bag of chocolate chips
Preheat oven to 350 degrees Fahrenheit
- Combine pumpkin, sugar, oil and egg in a large bowl. In a separate bowl, stir together the flour, baking powder, ground cinnamon, and salt. Dissolve the baking soda with milk and stir into the wet ingredients.
- Add flour mixture to pumpkin mixture and mix well. Stir for 1 minute.
- Add vanilla and chocolate chips.
- Bake for 10 - 12 minutes.
Keep livin' Young & Free,