Don't go nuts financing new appliances and furniture.
Are these purchases absolutely essential? Why can't they wait until you've saved the money for the items you can't live without?
I hardly think that purchasing a new couch and washer/dryer qualify anyone as going "nuts" but in either way no those purchases cannot wait. We have enough cash to pay for it in full but given some of the interest free offers I would rather use that while I sit on my savings.
I didn't state that you were going nuts, it was just a general recommendation.
Depending on the length of the finance offers you could be even further ahead putting the purchase on a 2%+ cash back card (or getting travel points) and then paying the card in full.
When we furnished our current home we put everything on our Amex SPG, PIF every month, and used the points toward 5 nights at the Le Meridien in Barcelona.
If you currently have a working washer/dryer you'd be even further ahead just continuing to use it.
Same with furniture. I've never had to make an emergency sofa purchase... although if you are moving out of your parents' house with nothing, I suppose you'd need something to sit on.
Edited by cv91915, 20 March 2018 - 07:56 AM.