Have you ever browsed the wide selection of items at one of the furniture stores in your area? You might have found the prices a bit overwhelming. After all, many people find it difficult to part with thousands of dollars in one transaction. Couches, dining room tables, and bedroom sets are quite an investment. You shouldn't fret about being unable to get the new piece you want for your home. Lots of these businesses offer layaway programs and easy financing options. These payment plans can make it easier for anyone to fill a home with the items that can keep a family comfortable. Are you wondering how the layaway process works? These plans allow customers to pay for purchases in installments. First, a customer selects the items he or she wants to buy. Then, they agree to make a down payment of a certain percentage in order to have the shop hold the items for them. The typical layaway plan requires the customer pay at least 10-15% of the total cost up front. Then, that person is given a certain period of time in which they can pay the balance. The merchant will move the items from the sales floor and hold onto them until it the customer has finished making payments. This option is especially helpful for customers that do not want to pass up a deal but have to wait to get another paycheck before they can pay for what they want in full. The financing options offered at furniture stores can be a bit more risky, especially if you have a history of not paying your credit card bills. If you open a store credit card in order to buy your items, you must be prepared to pay back the charged amount in full within a year's time. Otherwise, you will be subject to very high interest rates. Furniture stores do make this option pretty enticing though. They hope to facilitate purchases by offering no money down, no interest charges for at least a year, and no credit check. If you do your homework and visit the local furniture store with a reasonable estimate of what you can spend, you will be able to decide what you can afford to buy right away or pay off after a few months. Just stick to looking for the pieces you really need. You could get yourself in financial trouble if you decide that some exorbitantly priced dining room set is worth charging thousands of dollars you don't have. For furniture stores in Metairie, LA, make sure you visit La-Z-Boy Furniture Galleries. Learn more at http://www.la-z-boy.com.
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