- what's the best air purifier to buy

Congratulate you on saving money for the first payment!
Pay tribute to the promise of mortgage payments, homeowner insurance and property taxes.
Now for your reward: Sweet Home, home with few furniture.
Furniture shopping may be the last thing you want to do, but if you move into more space or separate from unwanted items in the process, it may be necessary.
Avoid overspending with these strategies.
Insisting on saving furniture can help homeowners pay in cash.
Justin Nichols, certified financial planner and director of operations at garlitte's Planning Network, said it was "the absolute best way" to buy ".
How much the furniture needs depends on your needs.
(There will be more later.
) If you have already bought the house and don't have a furniture budget, stick to cash as much as you can and stay in some open space while saving money.
"In a big plan, when you save money to pay for cash, it's OK for a room to be appointed sparingly and even sit empty for a while," Nichols said . ".
If you can get one without a credit card
The interest promotion period, you know you can pay off your purchase during that time, is the next best option, says Nichols.
The worst option for renting-to-
His furniture, he said.
The Federal Trade Commission also warned.
From the FTC website: "(B) use on rent --to-
Your own plan can cost you twice or three times the amount of money you pay with a cash, installment, or installment plan.
"Give priority to buying, first of all to buy any necessities missing from your new home.
"Develop your strategy around your most urgent family needs," said Dan DiClerico, a family expert at HomeAdvisor, home services digital marketplace.
For example, if you never have a kitchen table in your small apartment, these needs may include a kitchen table or a crib if you want a child.
Next, buy some big functional products.
"Even if you can't afford to fill the space with furniture, adding a large carpet will help the space look full," said Betsy HELMETH . " Interior designers and owners of affordable interior design companies.
The carpet can also protect your floor and play a "decorative role", she said ".
Helmuth recommends affordable carpets to websites RugsUSA and Wayfair, and recommends saving money by choosing synthetic fiber instead of wool.
The sofa, preferably a part, will also make your home feel more fulfilling and comfortable, says helmmouth.
For sofa shopping, "it's all about Macy's," she added ".
If you have excess cash, buy something practical and decorative.
These can make a strange house feel like home and show your style.
For example, Helmuth said that the lights are like "sculptures of the room" and, unlike the lights on the top of the head, they "create comfortable pools of light on a human level ".
She recommended LampsPlus.
Cheap choice.
The curtains are an "affordable way to increase the visual interest of the walls" and a way to "soften the space," Helmuth said.
She also suggests hanging some prints, even if they are placeholders, until you can afford a better and more expensive piece of art.
Painting the walls could also be considered, says Helmuth, which "injected personality immediately ".
"When you have furniture in your space, you won't want to paint in the future.
DeClerico said: "Do not pay the price in full. You can sometimes save a few hundred dollars by negotiating furniture prices, especially in the "big-
Tickets like sofas and tables.
At an independent retailer, he recommends mentioning your interest in supporting local businesses when bargaining. At big-
The box store, he says, you can better apply for a discount on the worn-out floor model.
Take advantage of price-
He added that the same is true for pairing, coupons and seasonal sales on January, July and holiday weekends.
DiClerico says warehouse clubs like Costco have some "very amazing deals", although options may be limited.
Thrift stores, Facebook markets, Craigslist and furniture next door can also be cheap.
Of course, you can't get something cheaper than manual. me-
The company of family and friends.
While paying little for furniture can be a financial responsibility, helmmouth warns against filling your new home with something you don't like just because it's cheap or free.
"You're starting to create a space that you're not crazy about," she said . " She added that it can be difficult to get rid of the furniture once you have it.
Whatever you buy, she says, "Remember, it will be longer than you think.
The article was provided to The Associated Press by the personal finance website NerdWallet.
Laura McMullen is the writer of NerdWallet.
Email: lmcmullen @ nerdwallet. com.
Weibo: @ lauraemcmullen.
Related link: NerdWallet: Why would someone rent-to-
OwnTrade Commission: Rent-to-
AP: expensive convenience.
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