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Saving vs. Splurging: Where to Put Your Money When Buying Furniture

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After things like houses and cars, furniture is likely to be the third-most expensive purchase you will ever make. When you’re using Okinus furniture financing to decorate your home, it’s important to know where to put most of your money and where to cut back.

The good news is that you can still have a delightful, stylish home without spending that much money with lease-purchase programs. The secret is knowing what items are worth spending more on and which aren’t. When it comes to things like mattresses, you know you don’t want the cheapest option available — but lights and side tables matter less.

To help you make smart choices on your furniture financing plan, keep reading.

Decorative Accents

Decorative accents are essential for giving a home its own sense of personality. But because they can be quite cheap and still look lovely, this is one area where you should limit your spending. Bookends, statuettes, and jewelry boxes all make good choices for defining a home’s style. When you look for decorative accents for your home, try to find items that are meaningful to you but aren’t expensive. It’s a simple, easy way to start making a house your own.


Similar to decorative accents, there’s usually no good reason to spend a lot of money on artwork. Art can literally be made out of anything, and it doesn’t have to be expensive to avoid looking tacky. Try dressing up your walls with framed photographs, framed fabrics or wallpaper, or shadow boxes with jewelry mounted in them. If you’re not really the DIY-type, cheap artwork can be found easily at many furniture stores and craft shops.

Window Treatments

This is the first item on our list where you should splurge rather than save. A window is usually a room’s focal point, so it’s a good idea to spend a little extra dressing yours up. Look for high-quality fabrics for drapes and shades. It’s certainly possible to find cheap curtains and blinds, but unlike decorative accents, the cost difference will be painfully obvious. For windows, it’s worth spending the extra cash.

Window Hardware

On the other hand, things like curtain rods and other window hardware aren’t as visible as the curtains themselves. Since this is the case, you can get away with spending less on window hardware. The main thing to look for in this case is sturdiness, although it shouldn’t take much to hold up a set of curtains. Expensive brands and fancy styles would be wasted as they’d likely never be seen. Opt for lower-cost window hardware.


You spend about a third of your life in bed, and a bad mattress can wreak havoc on your back. An investment in a high-quality bed is an investment in the rest of your life, as better sleep leads to higher productivity throughout the day. Since you’ll be working with furniture financing options anyway, feel free to spend extra on your family’s mattresses.


Unlike mattresses, the sheets on them don’t matter as much. High thread counts may be nice to the touch, but you won’t notice not having them. As long as a bedsheet set is still comfortable against your skin, it doesn’t matter what it looks like or what brand it is. If you want your bed to look nice during the day, buy cheap sheets and spend a little extra on a comforter or duvet cover.


Your living room couch is the focal point of your home’s focal point, and a good one can last you for as long as 25 years. This makes your family’s couch something worth splurging on. Take your time in comparing styles until you find one you love. Go for a classic style if you can so it won’t feel outdated in two seasons. High-quality materials like kiln-dried hardwood and eight-way hand-tied construction are a must.


It’s not hard to find beautiful, fun-looking lamps and light fixtures at cheap prices. Materials like crystal can be replicated authentically with cheaper materials like acrylic. When it comes to lighting you can afford to save your money.

Now that you know where to splurge and where to save money on furniture financing, you’ll be equipped to set up a home you’ll love for years to come.

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