Sofa Debt...

Yes we bought a sofa. In fact we went with a sofa which I did not post about before. Instead we bought a microfiber sofa with a chaise, so a slightly smaller sectional sofa. In the picture, it's a loveseat with a chaise, but we chose to 3 seater sofa so an extra 30". This will fit perfectly in our living room.

We bought it a week early but will get the sofa tax free in anticipation of tax free day. So we saved $60. We also used a coupon I had for $100 off the sofa which made it an even better deal. The original price of our sofa was $1092. Then we added on scotchguard treatment/5 year warranty for $103 making our subtotal $1195. Then delivery was $99 and tax should have been $59.75.

But with the $100 coupon we got free delivery and tax free because of the state law. So $1195 for a sofa seems like a deal to me. We also got free financing for 1 year 0% APR. Okay, now again DH wanted to just pay it off but I decided it was okay. And yes I've already set the money aside. So I may pay it off though at the end of the year when I cash out some stocks, or next week depending on csco, but for now I think we're fine.

So now I just increased our debt by $1195. I wonder if this is me treading the path of debt? To be honest I already feel the weight of the debt across my neck, but I still continue down the path. I wonder what a year will bring? I may not be able to take it and may end up just paying it off asap.

But it really is all about behavior, not the debt. I've financed stuff before on 0% CC and I often think about it and want to pay it off. But I discipline myself to pay $X every month and it's paid off 1 month before the date. Done this 6 times, and it's all the same. Guess it's like money already spent, but it's still weird feeling.