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6 Pro Money-Saving Tips From Homeowners To Help You Furnish Your Home Without Breaking The Bank

1 July 2024 | BY

There are a few nifty hacks out there that’ll help you furnish your home without wrecking the balance on your credit card.

money-saving tips

Let’s be honest: furnishing a home isn’t exactly kind on your wallet. A dining set, a bedframe, and a console alone could easily set you back by thousands of dollars. Not to mention, the curtains and cute decor you’ve had your heart set on.

Thankfully, there are a few nifty hacks out there that’ll help you furnish your home without wrecking the balance on your credit card. We’ve curated 6 money-saving tips from homeowners so you can furnish your home to your heart’s content. When paired with DBS 0% Instalment Payment Plan promotions, these shopping strategies can help you get the most bang for your buck.

1. Shop the furniture sale section

Courts MegastoreImage credit: COURTS

If you’ve been sleeping on the furniture sale sections, WYD?! The majority of furniture stores, like COURTS, have a discounted section that’s filled to the brim with luxe-for-less pieces. We’re talking dining sets, couches, cushions, curtains, and chairs which can go for up to 90% off. If you do the math, you’re kind of getting these goods almost for free.

Besides the usual sale section, COURTS also has a bi-monthly New Homeowner Private Sale. This is where you can score a slew of discount vouchers, food coupons, and exclusive perks. 

2. Make use of free disposal & installation services

Best DenkiImage credit: Best Denki

Several stores offer free furniture installation with purchase so you can sit back, relax, and do the bare minimum. Best Denki, for instance, will take the stress load off your shoulders by putting up your new TV, washer, fridge, speaker, and any other audio or video devices upon delivery all for free. 

When you become a member at Best Denki, you’ll gain even more benefits such as early access to sales, birthday gifts, and gifts with purchase.

3. Group buy your appliances to save

What was once a coveted secret known to only a few is no longer. Furniture stores like Gain City occasionally throw mega shopping parties called Group Buy where you can browse and buy an assortment of appliances and home goods on the cheap.

Money-Saving Tips - Group Buy at Gain CityImage credit: Gain City

Perks of shopping via this bulk buying programme include in-store flash deals, shopping vouchers, and up to 15% discount on every single item. Plus, you can revamp your entire home without trudging to multiple stores. 

Money-Saving Tips - Gain CityImage credit: TheSmartLocal

Known as Singapore’s largest air-conditioner retailer, Gain City is a valuable resource for those looking for budget-friendly premium products. On top of that, its team of BCA-certified installation technicians and a fleet of over 200 in-house service vehicles will ensure your loot will be delivered and installed with speed and precision.

4. Ask for price matching in stores

You’ve been there, paid for an appliance or a piece of furniture just to find the same item being sold for hundreds of dollars less somewhere else. And this is where price matching steps in to help you save those hard-earned dollars.

Money Saving Tips - Appliance ShoppingImage credit: TheSmartLocal

Places like Best Denki, COURTS, Gain City, and Harvey Norman have a price-matching system so you can easily save hundreds. All you gotta do is approach a staff, flash a smile, present the lower price you found on a different platform, and ask whether they can match the price. If you find yourself at Harvey Norman at Millenia Walk, check out its Instagram-worthy layout that’ll get your creative juices flowing.

5. Use NEA climate vouchers to save on bills

Money Saving Tips - LaundryImage credit: TheSmartLocal

Remember the NEA climate voucher that’s worth $300 your household received back in April? Yes, you do. Well, you should put that to good use at COURTS, Best Denki, Gain City, and Harvey Norman and save yourself some money on a brand-new energy-efficient fridge, lights, washing machine, fan, and everything in between.

If you haven’t claimed a voucher, head to the NEA website and follow the easy-peasy steps to start saving big on bills.

6. Camp for in-store exclusive discounts & online deals

Money Saving Tips - RoombaImage credit: TheSmartLocal

The next time you see one of those Telegram shopping channels pop up on your feed, don’t just ignore it. Hit the join button and camp for deals that savvy shoppers have unearthed. They’ve taken the liberty of consolidating everything from top-secret discount coupons to VIP early sale access codes so all you have to do is copy, paste, and save. 

Don’t forget to mark your calendar for peak sales periods such as GSS, Black Friday, Cyber Monday, and double-digit sales days so you can snag some serious swag for less.

Money-saving tips to furnish your home on a budget

While you’re out there splashing cash on cute furniture, you’d want to stay within a budget. And that’s where these money-saving tips come in handy. Apply these tricks to find trendy and low-cost pieces of furniture to turn your new spot into a fully furnished home.

Money Saving Tips - DBS CardsImage credit: DBS

Another hack to furnish your home without going broke is by applying for a DBS/POSB Credit Card. With a DBS/POSB Credit Card, you can pay for your big-ticket purchases using an Instalment Payment Plan (IPP). In a nutshell, the scheme allows you to split the repayment into up to 36 interest-free monthly payments. That way, you can stretch your payments over a period of time. 

Here’s an example: when you buy a couch for $2,000, you can split the bill across 24 months- repayment with 0% interest and a $0 processing fee. That way, you’ll only have to pay roughly $84 per month.

Plus, when you use IPP for purchases at COURTS, Gain City, Best Denki & Harvey Norman, you’ll be able to get $66 off your total bill. But hurry, the offer expires on 31st July 2024.

If you’re a DBS/POSB Credit Cardmember, you’ll also get access to a treasure trove of deals on the DBS Paylah! app. Simply tap on the Deals icon to browse an endless amount of deals.

For purchases where IPP is not available at the merchant, another payment plan that’ll help you break the bill up is My Preferred Payment Plan (MP3). From now till 31st July, you can get a $60 cash rebate when you split your credit card transaction into 24 months interest-free. 

Instead of buying inexpensive and disposable furniture that’ll break after a few months, get the best quality you can find and afford using these money-saving tips. And don’t be afraid to deploy the use of payment plans so you can stretch your tight budget.

Check out DBS Instalment Payment Plan deals

This post was brought to you by DBS.
Cover image adapted from: TheSmartLocal

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