My husband and I always finance our furniture purchases but we never pay interest — here’s the trick we use to save

The author, Katie Oelker, and her husband.
My husband and I use 0% APR credit card offers to finance our furniture purchases without paying interest.
This helps us preserve our cash flow and stick to a budget while still buying the items we need.
Some of the top credit card offers extend a 0% APR on purchases and/or balance transfers for nearly two years.
Read Insider’s guide to the best low-interest and 0% APR credit cards.

Years ago, when my husband and I bought our first home, we had very little furniture to go in it. At the time, I was working as a teacher and he was starting out in a new career. We didn’t have a ton of savings after purchasing our home, and we knew we wanted to keep as much cash on hand as possible in the event of an emergency.

At the furniture store, we discovered we could open a store credit card and pay no interest for so many months. My husband and I decided to go that route and purchased a three-piece living room set for our first home on a Synchrony Bank

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This article was written by [email protected] (Katie Oelker) and originally published on