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I SPEND OVER $1,200 A YEAR ON RENTING FURNITURE INSTEAD OF BUYING IT AND IT'S
WORTH EVERY PENNY

Leo Aquino
19 hours ago
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Leo Aquino's rental couch from Feather. Leo Aquino
 * I got sick of rebuilding the same cheap Ikea furniture every time I moved to
   a new city.
 * When I moved into my first one-bedroom apartment, I wanted to splurge on a
   nice couch.
 * Instead of dropping $1,400 in cash or racking up credit card debt, I chose to
   rent some of my furniture.
 * Read more stories from Personal Finance Insider.

In the last 10 years, I've lived in Chicago, New York City, St. Louis, and Los
Angeles, hopping from one apartment to the next in each of these four cities.
Hunting for cheap, stylish furniture started as a fun adventure, but over the
years, it's become such a nuisance.

Over the years, I finessed the Ikea shopping system. I no longer wander
aimlessly through the showrooms filled with chaotic families. Instead, I scour
its app for pieces on sale, then hit the Click & Collect option so that I don't
actually have to go inside and end up buying random things I don't really need.

In my early twenties, I'd scour the sidewalks for discarded shelves or coffee
tables or to haggle for one-of-a-kind midcentury modern pieces on Craigslist.
But the thrill of the hunt quickly wore off once I realized I'd also be on the
hook for truck rental and hours spent reupholstering furniture.

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ONCE I REALIZED I SPENT $763 REPEATEDLY BUYING THE SAME IKEA DRESSER, I KNEW
SOMETHING HAD TO CHANGE

When I moved to my first one-bedroom apartment, I hit my breaking point with
cheap furniture. After spending hours assembling a dresser from Ikea, I realized
that I've purchased and built this same exact $109 dresser six times already in
previous apartments. 

This particular dresser had a neutral design that went with everything, but it
was too heavy to move to a new apartment or city. I usually ended up leaving it
behind with friends and subletters, or selling it at a really cheap price on
Craigslist.

Not only have I wasted hours deciphering cryptic Ikea assembly instructions, I
also spent a whopping $763 on the same cheap dresser in the last 10 years. 


I THOUGHT ABOUT FURNITURE RENTAL FOR WEEKS BEFORE SIGNING THE LEASE ON MY NEW
COUCH

Now that I'm living alone for the first time, I wanted to splurge on a really
nice couch. I didn't have $1,400 in cash to drop on the piece I wanted, plus I
didn't want to commit to owning a huge piece of furniture just in case I wanted
to move again. I also didn't want to go into credit card debt to furnish my
apartment, as I know I tend to spend compulsively when I use credit cards.

I heard of furniture rental from my favorite interior design influencers, but I
hesitated to try it for myself because the comments on social media were so
spicy. Haters said things like, "Wow, who would spend that much money on a
couch? Or even waste money on renting it?" or "This is a really stupid use of
money, what a scam!!"

After doing more research, one common furniture rental perk sealed the deal for
me: a rent-to-own option that allows you to buy the furniture at the end of the
lease, using what you've already paid toward the rental fees toward the purchase
price. You only have to pay the difference. 

There were certain pieces that didn't make sense to rent, like my
seventh-time's-a-charm Ikea dresser that fits perfectly inside my closet. I
decided to rent furniture that made a bigger impact on the overall aesthetic of
my space, like a couch and a bed frame .




RENTING FURNITURE SUPPORTS MY ADVENTUROUS LIFESTYLE, AND IT'S WORTH EVERY PENNY

Silencing my inner critic, I finally added a beautiful couch and an irresistible
bed frame from Feather to my cart. The couch costs $59 per month, and the bed
frame costs $19 per month. After monthly fees and taxes, my monthly total is
$105.19.

Two wonderful delivery people came to my door two weeks later to assemble both
items, and each piece is way sturdier than any of my haphazard Ikea builds. The
convenience alone was worth it, but the flexibility of the rent-to-own option
makes me feel at ease.

If I decide to move again, I don't need to worry about storing or selling my
couch. I can just arrange for it to be picked up and end my lease. I could even
switch up the decor of my house, without feeling guilty about wasting all of my
old furniture.

If I decide to buy the couch, my 12 monthly payments totaling $708 would go
toward the full purchase price of $1,399, giving me lots of time to fork over
the remaining balance of $691. Totally affordable, and I didn't have to use a
credit card at all.

The most important lesson I learned in the process is to spend money according
to my needs and core values, instead of comparing myself to others. I'll happily
listen to the haters hate on furniture rental from the comfort of my gorgeous
couch.

Leo Aquino
Leo Aquino (they/he) is a reporter at business insider covering spending and
saving. Before joining the insider team, they covered relationships, sexual
wellness, beauty, fashion and more, always uplifting stories of BIPOC and LGBTQ+
communities. You can reach Leo at laquino@insider.com. Learn more about how
Personal Finance Insider chooses, rates, and covers financial products and
services » Sign up to get Personal Finance Insider's free email newsletter in
your inbox »
Read more Read less
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Disclosure: This post may highlight financial products and services that can
help you make smarter decisions with your money. We do not give investment
advice or encourage you to adopt a certain investment strategy. What you decide
to do with your money is up to you. If you take action based on one of our
recommendations, we get a small share of the revenue from our commerce partners.
This does not influence whether we feature a financial product or service. We
operate independently from our advertising sales team. Read our editorial
standards.



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