My fiancee and I disagree on the best way to spend a gift card. Who do you think is right?
I am self-employed and do not make a lot of money at this stage of my life, but more than she does. She is on disability (SSI)—but to save her from homelessness, she and I went in together on a very nice apartment (inexpensive but very nice, like a retreat) of which she is the primary occupant. I will not be there living much until we are married and I hopefully will see better income by then.
Along with the lease came a $500 gift card, which I’ve of course let her be the exclusive holder thereof. But then I learned about how she intends to spend it.
There is a nice furniture store where we can furnish the apartment very well, with a 72-month, NO INTEREST finance plan. We can get a lot of nice furniture, enough for the entire apartment, for less than $26 a month. This would free the $500 gift card to spend on lesser furnishing expenses, such as lamps, mirrors, end tables, artwork, candles, sconces, as well as dishes and kitchen appliances. This is how I, at least, think it should be done.
She, on the other hand, thinks the $500 gift card should be spent directly on one of the sets of furniture (Sofa, Love Seat and chair) to “knock out the major expenses” —the big furniture items which I think should be spent on the long-term finance plan. If you invest your $500 in a living room set, methinks, you still have years to pay your remaining furniture expenses in the finance plan, and have no money from your gift card left for lamps, mirrors, clocks, coffee mugs, kitchen appliances, and a rainy day.
Who do you think is right in this dispute? If you think I am right, help show me how to explain to her, who thinks differently. If you think she is, please help me, who sees things so differently, to understand her position and logic,
Once that gift card is sunk into the long-term finance furniture it is gone forever and there will be little money for anything else as neither of us makes much. If we are going to be paying for furniture at a low cost long-term anyway, why deprive ourselves of the smaller things?
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