Flat screen TV's, high end sound systems, fridges and furniture are all items we often would like to upgrade or replace, but the thing is, it can get pretty expensive to do so, even for the most basic of items.
Many people are now taking advantage of the lay-by facilities stores offer to avoid having to pay large amounts all at once.
Here are some great tips to consider so you can get the items you need and want without feeling the pinch of costly price tags.
Take an Inventory More often than not, taking a walk around your house and looking at what needs replacing is the easiest way to predict your upcoming expenses.
It might be a fridge that's been on the blink, or a dining table that isn't quite big enough to fit everyone - whatever it is, it will cost money to replace! Sure, items will break down unexpectedly, but by pre-empting these things, it won't impact your bank balance as much.
Keep an Eye Out for Specials Once you've decided on what needs replacing, you'll need to keep an eye out for the item you want and when it goes on special.
Things like TV's, washer's, dryer's, furniture and fridges often are heavily reduced at certain times of the year and you can save hundreds or even thousands of dollars off the normal price.
There are some great websites that are like a library of current catalogues so you can look at all the best offers at once.
Just be sure to know your budget and do your research on warranties and the quality of the product.
Lay-By Now that you've sourced a great bargain priced item, the next thing to do is to ensure they offer lay-by for it.
Even though it's on special and you might have the money to buy it straight away, do you really need immediately? If you don't, why affect your cash flow and savings when you don't have to? Lay-by allows you to get exactly what you want at a great price and pay it off, little by little.
You'll still get all the security of buying it straight away with warranties and return policies (but be sure to double check conditions for returns), yet it won't hurt your bank balance so dramatically.
By planning out your big purchases, looking for special offers and then taking out a lay-by for the items, it will allow you to purchase all the things you need without impacting on you, your family and your bank balance!
Many people are now taking advantage of the lay-by facilities stores offer to avoid having to pay large amounts all at once.
Here are some great tips to consider so you can get the items you need and want without feeling the pinch of costly price tags.
Take an Inventory More often than not, taking a walk around your house and looking at what needs replacing is the easiest way to predict your upcoming expenses.
It might be a fridge that's been on the blink, or a dining table that isn't quite big enough to fit everyone - whatever it is, it will cost money to replace! Sure, items will break down unexpectedly, but by pre-empting these things, it won't impact your bank balance as much.
Keep an Eye Out for Specials Once you've decided on what needs replacing, you'll need to keep an eye out for the item you want and when it goes on special.
Things like TV's, washer's, dryer's, furniture and fridges often are heavily reduced at certain times of the year and you can save hundreds or even thousands of dollars off the normal price.
There are some great websites that are like a library of current catalogues so you can look at all the best offers at once.
Just be sure to know your budget and do your research on warranties and the quality of the product.
Lay-By Now that you've sourced a great bargain priced item, the next thing to do is to ensure they offer lay-by for it.
Even though it's on special and you might have the money to buy it straight away, do you really need immediately? If you don't, why affect your cash flow and savings when you don't have to? Lay-by allows you to get exactly what you want at a great price and pay it off, little by little.
You'll still get all the security of buying it straight away with warranties and return policies (but be sure to double check conditions for returns), yet it won't hurt your bank balance so dramatically.
By planning out your big purchases, looking for special offers and then taking out a lay-by for the items, it will allow you to purchase all the things you need without impacting on you, your family and your bank balance!