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About Me:

terri77

I am 46, single, no kids. I am a health care professional. I feel that I'm generally a very good saver and a not so good budgeter - hence the credit card debt payoff I worked through in 2020.

My personal finance goals for 2024:

1. Contribute maximum to Thrift Savings Plan. This is a recurring goal that I’ve accomplished every year since 2008.

2. Contribute maximum to Roth IRA. This is a recurring goal that I’ve accomplished every year since 2001.

3. Pay off credit cards. Completed January 2021. Now the strategy is to pay off my credit cards monthly with no balance carryover.

4. Build up emergency & long-term savings. I completed my initial goal in April 2021. I have 3-6 months of expenses saved at this time & I continue to save for my next car purchase, which is hopefully many years away. I use high yield savings and CDs.

5. Invest in brokerage account. I started with the proceeds from selling my condo & have added monthly. This account is for a future down payment when I purchase a home again.

6. Give to church monthly. I attend two churches right now so I alternate my monthly offerings.

7. Give to charity monthly. Food banks are my preferred charity to give to. I have automated my charitable donations at work to give with my biweekly paychecks.

8. Apply for promotions as they become available. Right now I’m very happy in my current position, so this isn’t much of a goal currently. I have received several raises, I enjoy the work I do, & the people I work with…I’m very happy to stay where I am.

9. New goal for 2024! Build new home with $100k down. This will be funded from my brokerage account & cash savings. 🏡

Shady Furniture Sales? 🛋️ 🪑

August 11th, 2024 at 02:34 am

So are furniture salespeople as shady as car salespeople? Because I've never had a car salesman add on so much, or upgrade my selections like I had happen to me today. I didn't realize that I needed to scrutinize my receipt so closely. If I had I would turned right around. I'm really upset as it adds up to over $700 in overcharges by adding furniture protection contracts & upgrading a sofa from what I selected in store. This isn't my first time purchasing furniture. I've never had anyone automatically add the furniture protection. I've always been asked prior. I will be there as soon as they open tomorrow & if I get any push back I will cancel my entire order & go to another store.

Posted in Home sweet home, Spending stuff, Shopping | 6 Comments »

6 Responses to “Shady Furniture Sales? 🛋️ 🪑 ”

Turtle Lover Says:
August 11th, 2024 at 01:26 pm 1723382792
1723382792

wow! without even asking? I'm with you ... I've only ever had them ask but I've always said no.... let us know what happens!
Dido Says:
August 11th, 2024 at 09:20 pm 1723411244
1723411244

Yikes. And hope that they don't stick you with a restocking fee if it turns out you don't like it when it arrives. That happened to me when I bought my house, which was built in 1915. It turned out that there was no way to get the sofa I purchased (which would have fit the ROOM fine) in the doors, and I wasn't about to let them take out the original stain glass window to fit it in that way, so I rejected the purchase--and they retained $250 as a restocking fee. 20 years ago so it's probably higher now. I'd never heard of such a thing before.
PatientSaver Says:
August 11th, 2024 at 11:40 pm 1723419608
1723419608

Wow. I would be really ticked off. If they try to stick you with a restocking fee, tell them you're going to file a complaint with the attorney general. That should make them think twice.
terri77 Says:
August 12th, 2024 at 04:45 pm 1723481156
1723481156

I did speak to the young lady & maybe the lack of communication has to do with her being so young. Or at least she seems young to me. While I only have 48 hours to change my furniture order, I have 90 days after delivery to cancel the furniture service contract. So I will at least keep it until then just in case. After then if I cancel it the cost is prorated.

And yes, there is a restocking fee, you only get back 80% of the cost so they essentially charge you 20% if you don't like it. But I've been looking at the sofa & dining room set since I signed my contract to build back in March so I'm almost positive that it's what I want. I've looked at the furniture in the showroom several times. What I wasn't sure about was the living room tables shown with the sofas. When I went back yesterday I decided to switch them out for something less heavy. The tables shown with the set both look & feel heavy. I switched from a silver set to a bronze set, but I think it will still fit in with the color scheme of my home. The warm gray on the walls lets me go either cooler or warmer on colors, which I appreciate it. The rug has both gray and gold, and the painting I bought for the area has both gray & gold.
rob62521 Says:
August 25th, 2024 at 06:53 pm 1724612012
1724612012

I have never heard of furniture protection, but then again, it's been so long since I've bought anything. But wow, I'd be ticked off royally too.
LivingAlmostLarge Says:
August 29th, 2024 at 05:16 am 1724908617
1724908617

I never heard of it either. But it's been a long time and the last time was at macys so I guess they don't normally do that since they are big department store?

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Firefly's Personal Finance Blog

Working out my spending impulses.

Shady Furniture Sales? 🛋️ 🪑

6 Responses to “Shady Furniture Sales? 🛋️ 🪑 ”

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