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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

To buy something on credit against DPs wishes?

36 replies

MyGrain · 08/06/2013 16:49

DS needs a new bed and we're moving next weekend and DS has the smallest bedroom. I'm looking for space saving furniture and also want to make his room look cool, cosy and trendy to make up for the fact that he has such little space.

I saw a bed last night, it's £250 - leather effect with a drawer underneath - knocked down from £500. Plus I have a £10 voucher to use on that plus it's 0% interest buy now pay later for 6 months. I want to buy it now before it goes back up in price but DP is dead against credit. I am usually but this is a great deal, lovely bed and I know I can pay it off in 6 months.

AIBU to buy it anyway despite DP being against it?

OP posts:
Bowlersarm · 08/06/2013 16:50

No I don't think I would. I think putting anything on credit should be a joint decision.

Have another go at persuading him?

ballinacup · 08/06/2013 16:51

That's very expensive for a bed. Couldn't you buy a cheaper one and get some wheeled storage boxes to slide away underneath?

WorraLiberty · 08/06/2013 16:51

Yes YABU

Unless he does this sort of thing on a whim against your wishes too?

heronsfly · 08/06/2013 16:52

If you have the money to make the repayments then i think its ok.

Pagwatch · 08/06/2013 16:52

Yabu

PareyMortas · 08/06/2013 16:54

I wouldn't and I'd be very hurt if my DH did.

Fairylea · 08/06/2013 16:54

No personally I wouldn't. Dh and I make financial decisions together and we don't have debt, I'd be very upset if he did this for example.

I also think it can be a bit of a slippery slope taking out one thing on credit... that's how my previous debts occurred. But yes I know some people have more will power than I do!

Sirzy · 08/06/2013 16:54

Would you be angry if he went out and spent £250 without you agreeing?

Original poster
MyGrain · 08/06/2013 16:56

yeah I suppose, if he deliberately went against something I said I'd be livid, especially financial.

I'm being unreasonable. I'll just nag a bit and see if it gets me anywhere Grin

OP posts:
500internalerror · 08/06/2013 16:56

No way. If it was your £250 cash, its yours to spend. But taking out credit is a whole different matter. Aside from the chance of getting into debts, how would you feel if it was dh doing something you had expressly told him yoiu don't like or agree with?

Whoknowswhocares · 08/06/2013 16:57

I'd say a saving of only £250 is nowhere near enough to risk destroying the trust with my partner
In fact, thinking aout it, I don't think any monetary saving is worth that! Yabu

500internalerror · 08/06/2013 16:57

x-post!

But in any case, thats a huge amount of money for a single bed...

ginslinger · 08/06/2013 16:58

no don't do it

lljkk · 08/06/2013 17:00

Hmmm, bet you could find something adequate on Ebay for £20. YABU.

UniqueAndAmazing · 08/06/2013 17:01

don't do it without his agreement, but show/prove that you can pay it back within the 6 months (even before if you can), and persuade him to agree with you.

it's a very good deal.

Floggingmolly · 08/06/2013 17:05

Not behind his back, no. Btw, a leather bed sounds vile, save your money.

Fluffycloudland77 · 08/06/2013 17:07

Leave it for two weeks and he'll think he's had this fab idea about how to buy ds a new bed from this shop doing six months credit.

Fairylea · 08/06/2013 17:10

Could you not save up the same amount for 6 months and then buy it?

Six months isn't long really.

I also think even with the discount, 250 sounds a lot for essentially a single bed with a drawer underneath..! Shop around. Ikea and eBay (buy it now, new etc, will have a warranty probably) will have some much cheaper and not leather, which will look dated quickly.

MammaTJ · 08/06/2013 17:25

YABU, I would go nuts if DP did this. He would too if I did it.

If you came on here saying he had signed up for debt you has expressly stated you did not want to get in to, you can be sure you would be being told to LTB!!

LeaveTheBastid · 08/06/2013 17:29

YABU. Forgetting that I am very much of the "if you can't pay for it outright then you can't afford it" opinion, I think £250 for a single leather look bed is ridiculous.

I'd be furious if DH asked my opinion on something like this and then went ahead and did it anyway, why bother asking?

likesnowflakesinanocean · 08/06/2013 17:49

buying on credit to me is a joint decision and I always voice what I want to do and see if dp agrees with the idea out of courtesy. that's a huge amount for a single bed I think dc are getting wooden high sleepers with tents ans under bed storage for less

likesnowflakesinanocean · 08/06/2013 17:49

not suggesting you buy a high sleeper btw specially if he's 15Grin just price wise seems a lot

specialsubject · 08/06/2013 17:55

it's not the credit, it's that the thing is hugely overpriced. It was never on sale for £500 and is worth much less than you are paying.

get on ebay.

pinkyredrose · 08/06/2013 19:04

YANBU. Your DS needs a bed. Tell your DP that buying things on credit is a great way to boost your credit rating as long as you don't miss repayments.

It's 0% ffs it won't even cost you any more.

LoSiento · 08/06/2013 19:06

Don't fall for the "sale now on, furniture half price" crap. If it was genuinely worth £500 it wouldn't be on sale at £250.