I watch Suze Orman often. I love her advice and I find it hilarious what people will spend their money on (when they don't have it). I am now having a battle with the Suze in me! I know that I don't NEED anything but I WANT everything NOW! Trying to decide what items will be purchased first is the hardest part. Here is my battle with my inner Suze:
Me: I could use my emergency fund and go ahead and get the rest of the items that I want to purchase
Suze: It's not an emergency!! You don't even NEED it!
Me: I could use my credit card!
Suze: Why go into debt over something you don't NEED. Plenty of people move into a house that is NOT fully furnished. It's not like you don't have the stuff from your old house. So what is the rush?
Me: I know I have furniture from my old house but this house is bigger which requires more furniture. I want it NOW cuz I am a spoiled (ask my dad)!
Me: What about.....my 401K? I'm not retiring soon.
Suze: Are you out of your MIND? Absolutely NOT!! Your 401K is for retirement so unless you absolutely NEED it...which you don't...NO WAY!
Me: I know SUZE, you are right! I had to throw it out there.
I know many of us are dealing with the issue of furnishing and decorating our house as soon as we move in. I have to heed the advice of my inner SUZE and just do it slowly. My first house wasn't furnished and decorated overnight and this house won't be either. It SUCKS, but it is... what it IS!!
It's a blessing to be purchasing this house and I will ENJOY it whether it is fully furnished or not.