I have a delima. Nothing major, but for a person like myself, parting ways with a dollar makes me want to cry. So spending thousands of dollars is always a hard decision for me. So today you get to listen to me go through the pros and cons of my recent want...a new bedroom suite.

2 years ago Mark and I moved into our new house. I love it, we have so much room and well a bunch of nothing to fill it with. Just kidding, we have lots of stuff but like everyone you want nice things in your home. I love furniture, but not the price tag that comes with it. I have bought several pieces of furniture since moving in our house. Actually when I think about it, I am quite proud of all the things we have acquired to fill our home. It's not an easy task, we have 2 living rooms, and 3 bedrooms and a computer room. I can say we have one bedroom that is completely empty, but we never have guest spend the night so why would we need two guest rooms with furniture? So far I have bought two brand new living room sets, and last year I bought a slightly used formal dining room table and china cabinet. I need to get it upolstreed because I don't like the fabric on the chairs, but I haven't gotten that far :) I have been wanting a new bedroom suite since we moved in. My suite is going on 13 years old and I feel it is outdated. Now with that being said when we do buy a new set I am planning a DIY project on my old one. I want to refinish it and put new hardware and then move it to the empty guest room.

So I have been scouting out new sets, and finally found one that I have fallen in love with. Next step, calling every furniture store and pricing it out. Buying furniture is a long process for me. I have to call everyone and get prices, then I go through the prices and start a price war. I take my best price quotes and call the stores back and use the "well this store will sell it to me for this price". It's quite funny, but it saves me money and I will do anything to save a dollar. If these stores want my business they are going to work for it...LOL Anyway, at this point I am past the price war and I have my bottom dollar price.

Now starts negotiations with myself. I know the difference between a need and a want. My husband and I need a new mattress very badly. My bed is a full size and we want a king. Therefore I can not see buying a new mattress for my bed when we know we will be purchasing a king size bed in the future. Hints the whole bedroom suite ordeal. We want a bigger bed and a suite that matches so we have to buy everything at once. Also I am not one to buy something that I like less because it is cheaper. I will pay more money for something I want. I look at it like this, if you buy something that you don't love you will want to replace it sooner. Furniture is meant to last years. Spend the extra money for the item you love and you will be happier with your purchase for years down the road. Now I am negotiating if I want to spend the money on this suite. Final cost for me is $1,908.00 which does not include my new mattress because I haven't made that decision yet. I laid on one today and fell in love, but it was $1,600.00 and that's a lot to swallow for me. The mattress is almost as much as the whole bedroom suite!!!! I have to think about that one. Sleep is important so the mattress choice is important too and $1,600.00 for a mattress sounds high but you will have that same mattress for 10-15 years. $1,600 over 10 years is only $160 a year or $13.34 a month. I don't know about you guys but a good night sleep is worth $13.34 a month to me :)

So I am trying to go over this purchase in my mind. I have many questions for myself. Do you need to spend that much money right now? Can I wait a little longer? The questions go on an on... I have enough money in my savings to buy this, but it will take everything I have. I don't know if I can hand over all my savings at one time right now. Plus their are other cost involved. I want to paint my bedroom before we buy a new bedroom suite. I will have to buy new bed linens because I have none to fit a king sized bed. I was talking with the furniture dealer about all these things today. He offered financing for me. Uhhh, no way I don't finance furniture. If I can't afford to buy it then I don't want it! That's the problem with all the people in the world. They don't have money to buy stuff because they are too lazy to try to save it, then they finance everything, pay way more for the stuff because of interest. Sorry I am not that person. I save money every paycheck for no particular reason. I save it for stuff I know I want in the future or just for a rainy day. There are only two things I believe in financing which are a home and and vehicle. If you can't buy the other stuff out right you probably can't afford it in the first place. That's just my two cents.

I would have bought the new bedroom suite a week ago. I would have had enough money and some still left over, but Mark and I just bought us a 16' trailer to haul our 4 wheelers on. So that took a nice chunk of money out of savings. I guess I will keep battling myself with this issue. I have a ton of thinking to do and I need to talk to Mark. Well Mark will just tell me to do what I want, he knows I am financially responsible with our money so he doesn't questions my decisions. Plus he just got a new trailer...LOL My brain is hurting from all this decision making!!!! Keep you guys posted!