Cleverly buy furniture or technology with an extra discount

Many furniture stores and department stores now offer a 0% financing. Properly used is to earn money right here:

Example: purchase of a kitchen worth 5000 EUR
1. Conduct the purchase negotiations to the end. If you agree with the seller, agree 0% financing. The longer the duration, the better (usually 36 months are usually).
2. Put the money that you would have actually paid for the kitchen (in the example 5000 EUR) on a good bank account with z. B. 2.5% interest. If you take the monthly installment of 138.89 EUR per month from your investment of 5000 EUR, you have completely repaid your loan after 3 years and also earned interest income of 138.89 EUR.

Variant: It would be even better if you would invest the 5000 EUR as a time deposit and would serve the monthly rate from your current salary. For time deposits, there are currently about 3.5% interest, at the end of the 3 years you would have earned a total of 543.59 EUR in interest income.

Great Space Saving Ideas - Smart Furniture | March 2024