To spend £1,900 on a rug?

Can't believe that my first post on here is to do this, I am such a sadsack.

But! The rug in on sale!

Rug

one of the reviews on JL mentions they got it on sale so might be worth continuing to wait

Generally, I'd say if it's going to last, go for it. But given it's taken you a full year to save 500, I'd say buy one you can afford and aspire to upgrade later, when things are easier. I'd say one of two options:

1. Keep saving till you can afford it outright if it's not your only savings, and savings you have specially put aside for a rug.
2. Buy one you can afford now and aspire to upgrade later. If it takes you a year to save 500, I'd be concerned that you'd find yourself stuck in a real emergency.

Life is short. Buy the rug.

Its a beautiful rug but I could carpet a house for that money. Insane amount to spend on it.

I'm not on a high income but I also don't like buying new-all my rugs have been second hand (& I love rugs!), having said that I think you should just get it op. You can replenish the money, you seem more financially secure than a lot of folk on higher incomes as you're managing your finances well, and we only live once.

Go go turkey and find a similar rug for a fraction of the price
My parents bought a Turkish rug probably 30 years ago and it's still immaculate

Given your latest updates @Theyalwaysknewbest about how you're very frugal and budget very well, have savings stashed away for home repairs/emergency fund, don't have pets or young kids, zero debt beyond your mortage, and would have the rug instead of recarpeting, which would cost much the same, I might have changed my mind and am now saying buy it. It will give you so much joy, good wool rugs really do last a lifetime (my mum has one that's been going strong since 1969!). Yes somebody might drop something on it, but wool actually cleans well if you get to the spill fast enough. Yes it is using up 100% of your disposable income for 3 years, but you don't really seem to spend much money on other things. It's no different from somebody buying a car and that using up their remaining disposable income, plenty of people do that.

Plus the way you write about it - it sounds like love. Everybody deserves some joy, even people on low incomes. If taking on £1,400 at 0% is your only debt, and you can afford the repayments, go for it.

Could you sell some things online? Maybe pick up some extra work somewhere to help pay for it?

It is a beautiful and classic Moroccan rug, a real investment piece, but I'd see how else I could raise the money to pay for it, as it is, you wouldn't be able to afford the repayment plan at the moment if you've managed to save 500 this year, well done on doing that though!

The rug isn't going anywhere, save like crazy, have a clear out and before you know it, the rug'll be in pride of place and you won't owe anything!

It will be an investment. Seriously. A gorgeous high quality floor covering you can take when you move home is a good buy.

I wouldn't but if it brings you lasting joy & you don't think you would regret it afterwards go for it.

Each to their own but I would never spend that much on a rug.

I would be too scared to walk on it.
The range and wayfair have some nice rugs much cheaper.

Thank you all of you for your anti moth recommendations. I promise you I am not telling untruths about my 80/20 wool / manmade carpet being shredded by moths. But a rug laid on an eg wooden floor might be different. I do now need a new carpet ( stairs and landings) & I am going to look at manmade against my better judgment but I still appreciate the ideas. & yes I think full on toxic warfare is unfortunately the way to go against moths. 😊 I think it was the lovely @Pigletjohn who knows so much about so much said , using lavender against moths just means your clothes smell better when you bin them. I paraphrase - but I have never forgotten that 😂

I started off using lovely natural lavender remedies. Big mistake. Problem massively increased while I was faffing around. Need to go full on toxic I'm afraid!

I get products from Rug Remedy UK. You need to spray fitted carpets 3 times a year. Also put out traps to monitor. They will give you good advice. Mine would be: always but synthetic carpet!

I just can't see why your getting into a payment plan for a rug. But that's just me, if you are comfortable doing it then go for it.

I saw that title and instant response was nope are you mental?? But after reading all your posts @Theyalwaysknewbest tbh I've changed my mind and I'm in the go for it camp.
I'm poor and have DC still in the will ruin in phase hence my initial reaction but the fact you've saved religiously for a year already and can get a zero interest loan plus you wouldn't be precious about people being you know people and standing on it, spilling a drink etc then why the heck not. Life is short and it's clearly going to bring you joy.
I really hope John Lewis see this post and give you a discount for all the free advertising lol the world really needs more joy and I personally will have a little happy dance for you if I come back to an update saying you've bought it and are currently enjoying it in your home

Just buy it. It will make you happy and you'll love it in your home.
I've never regretted buying a couple of items I really couldn't afford at the time. They bring joy all the years on. Buy that rug and enjoy it!

I bought a £400 Berber Wool rug from Etsy. My parents have a £1000 ikea wool rug. What I will say about wool is it sheds. Just bear that in mind.

Buying something you really love, which is also high quality, is always a good thing imo. I've done it myself with furniture and a rug or two, and have never regretted it. A good rug can really make a room, and you will be able to enjoy it every day. I would say go ahead and buy it.
And please don't worry about moths - a rug in the daylight, which is vacuumed regularly is very unlikely to get a moth infestation. I would advise to turn it over every so often and hoover the back thoroughly as well.
It's a gorgeous rug - go on - treat yourself!

There's someone I follow on instagram and I'd love to buy one of her rugs but between my big dog (who destroys all the hug rugs) and the fact that I'm the only female in the house, (sorry males but you guys are dirty) there's not a hope I'll spend that on a rug. If I thought I could keep it clean and unabused I would certainly spend that on a rug. Anything that gives you joy is worth it. I've spent that on paintings for the house and jewellery for myself and some kitchen appliances that I wanted. They were unnecessary spends but I do not regret the spend. I work hard enough for my money and I provide a lot for my family. If I want to spend some of my money on myself why the hell not.

Given that you are in no other debt, and that you have an emergency fund set aside that you won't touch, and you've thought through the finances, I change my previous "don't do it" vote. Personally a rug wouldn't be my priority, but it really sounds like it's what makes your heart sing, so I think it's up to you how you spend your income.

I think you should do it. I spent ages looking for a living room rug, struggled with justifying the cost of the expensive ones, got a smaller much cheaper polyester one trying to be sensible but it annoyed me every day and I and ended up selling it and spending a similar amount to yours on a big wool one that I love. It makes the room feel good, still looks perfect a few years later and wool is actually very good at resisting stains. You’ve given it a lot of thought, I think it’s time to give yourself permission to go ahead!

How is buying on credit when she can only afford to pay off £500/ year, thus using up 100% of her disposable income for 3 years a sensible plan?

She can't afford it. The rug is far too expensive for someone on her income. I cannot believe someone would put their financial future in jeopardy for a rug they can't afford. It would be utter madness.

OP should either get a better paying job or buy a cheaper or second hand rug. I don't think all the, 'you love it, so buy it hun' talk is at all helpful. It is enabling a person on very low income to get in long-term debt for a (probably very nice but ultimately unaffordable) rug.

Get the rug, OP. You love it, and it'll bring you a lifetime of joy and pleasure.