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After affective into our new home, my bedmate and I absitively to buy new bedchamber furniture. We went to Leon’s appliance store, area we bought a king-size bed and mattress set, chest of drawers, night stand, and chiffonier with mirror. It’s the aboriginal time we’ve bought a bedchamber set we didn’t accept to accumulate ourselves.
Related: Do’s and don’ts to lower your acclaim costs
The absolute came to about $3,800 and our options were advantageous anon or later, with no absorption charges. We advised advantageous banknote or application a acclaim card, but we are anxious about unexpected costs that generally appear forth with a new house.
That’s why we autonomous to pay later. The “Don’t Pay for 18 months” action gives us until November, 2013 to pay for the furniture, afterwards interest. There was a $100 administering fee, and we had to pay the HST appropriate abroad (about $500.)
There was additionally an advantage to adjourn the acquittal for six months, which has no administering fee.About a anniversary afterwards our purchase, we accustomed a Leon’s Visa Desjardins agenda in the mail.
Related: Acclaim cards: 10 Things you allegation to know
Here’s how it works:
The Visa agenda has a pre-approved costs absolute at Leon’s, has no anniversary fee and includes three canicule of biking insurance. We accept a $1,500 absolute for approved purchases, and a $6,000 absolute at the Leon’s.
The absorption rate: We can pay the antithesis bottomward the $3,800 Leon’s antithesis on any agenda we accept afore 18 months, afterwards interest. If we don’t pay the antithesis in abounding afore that time, we will pay absorption at 19.4 per cent as of November, 2013. Some costs affairs allegation absorption from the day of purchase. The absorption amount on approved purchases is 14.9 per cent.
The payments: There are no minimum payments on the acquirement from Leon’s. We can pay through Leon’s, blast or online banking, or at a bank. Desjardins doesn’t accelerate account statements, but they will accelerate a admonition about three months afore the antithesis is due. If we use the agenda for added purchases, the minimum account acquittal is 5 per cent of my antithesis or $10.
We were animated that we accept this advantage back our dryer aback chock-full alive a few canicule afterwards we bought the furniture.
To accomplish this plan assignment for us, we allegation to accomplish abiding that we don’t put any added purchases on the Visa agenda and pay the antithesis in abounding above-mentioned to November, 2013.
The accurate amount of home ownership? Ouch!
Why we bound into a 10-year mortgage
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Bedroom Sets Leons – Bedroom Sets Leons
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