{"id":1317,"date":"2019-12-06T19:51:37","date_gmt":"2019-12-06T19:51:37","guid":{"rendered":"https:\/\/www.lendnation.com\/how-to-plan-for-expensive-purchases\/"},"modified":"2025-09-24T13:53:11","modified_gmt":"2025-09-24T13:53:11","slug":"how-to-plan-for-expensive-purchases","status":"publish","type":"post","link":"https:\/\/www.lendnation.com\/blog\/article\/how-to-plan-for-expensive-purchases\/","title":{"rendered":"How To Plan For Expensive Purchases"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single is-layout-flow wp-block-group-is-layout-flow\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-1f86b309 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-a4fd459e wp-block-group-is-layout-constrained\"><div style=\"text-transform:uppercase; margin-top:0;margin-bottom:var(--wp--preset--spacing--60);\" class=\"theme-color-secondary t-date wp-block-post-date\"><time datetime=\"2019-12-06T19:51:37+00:00\">December, 2019<\/time><\/div>\n\n<h1 class=\"wp-block-post-title has-display-x-large-font-size\">How To Plan For Expensive Purchases<\/h1>\n\n<div style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/loans\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--green\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Loans<\/span><\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-a209ae40 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__media has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-587a7eb1 wp-block-group-is-layout-constrained\"><figure style=\"margin-top:0;margin-bottom:0;\" class=\"is-style-image-featured s-aspect-ratio-1-1 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"500\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2019\/12\/planning-ahead-for-expensive-purchases.jpg?w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Get tips on how to plan for expensive purchases with this LendNation blog\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2019\/12\/planning-ahead-for-expensive-purchases.jpg 1000w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2019\/12\/planning-ahead-for-expensive-purchases.jpg?resize=300,150 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2019\/12\/planning-ahead-for-expensive-purchases.jpg?resize=768,384 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-it-s-important-to-plan-for-expensive-purchases\">Why it&#8217;s important to plan for expensive purchases<\/h2>\n\n\n\n<p>There isn\u2019t much planning to be done when a sudden unexpected expense happens. We might just turn to cash advances or credit cards to get us through the unhappy surprise. Though it isn\u2019t always the best option, cash advances and credit cards offer a little relief for our wallet by giving us the chance to spread out repayments when otherwise you\u2019d be forking over a large chunk of change.<\/p>\n\n\n\n<p>When it comes to expensive purchases you know are on their way, relying on <a href=\"https:\/\/www.lendnation.com\/services\/payday-loans\/is-a-cash-advance-right-for-me\/\">cash advances<\/a> is still an option &#8211; but there are others. Such as, saving! It\u2019s tough to do, but with a little help, you can properly prepare for your buying future.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-start-from-the-top-what-kind-of-plan-works-for-your-budget\">Start from the top: What kind of plan works for your budget?<\/h3>\n\n\n\n<p><strong><\/strong>Not everyone can save the same amount of money every single day &#8211; but you can\u2019t have a plan without a final dollar amount in mind, so let\u2019s start at the end and work our way backwards. Here\u2019s how it works:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Determine the number of days from today until the day of the big purchase.<\/li>\n\n\n\n<li>Divide the total purchase cost (including potential taxes and fees) by the number of days remaining.<\/li>\n<\/ol>\n\n\n\n<p>Let\u2019s look at an example:<\/p>\n\n\n\n<p><strong>Couch Purchase:<\/strong>&nbsp;$900 total<\/p>\n\n\n\n<p><strong>Date of Purchase:&nbsp;<\/strong>1 month, roughly 30 days<\/p>\n\n\n\n<p><strong>900<\/strong>&nbsp;divided by&nbsp;<strong>30<\/strong><\/p>\n\n\n\n<p>You need to save around&nbsp;<strong>$30 \/ day<\/strong>&nbsp;to reach your goal<\/p>\n\n\n\n<p>Saving $30 a day may seem like a lot &#8211; or it may be a cakewalk. Either way, be realistic and adjust your goal date to better work with your budget. You might need more time and that\u2019s okay. The real point here is to figure out what is doable for you.<\/p>\n\n\n\n<p>If the goal date is fixed, then it\u2019s time to look at other opportunities to save.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-can-you-cut-back-in-other-areas\">Can you cut back in other areas?<\/h3>\n\n\n\n<p><strong><\/strong>Recent reports say that the average American spends over $20 a week on coffee and another $37 eating out instead of packing a lunch. That\u2019s around $60 per week spent on filling up and well over $200 each month.<\/p>\n\n\n\n<p>By making coffee at home, you\u2019re looking at&nbsp;<a href=\"https:\/\/toughnickel.com\/frugal-living\/How-Much-Does-it-Cost-to-Make-Coffee\" target=\"_blank\" rel=\"noopener\">an average cost<\/a>&nbsp;of anywhere between 11 cents a cup to $1.80 a cup for the good stuff. Average that out to 95 cents a cup, three cups a day, and you\u2019re saving a minimum of $7 a day \u2013 just on coffee!<\/p>\n\n\n\n<p>Let\u2019s look at your grocery budget. If you stopped eating out and packed your lunch every day, you could end up only paying $20 per week. That saves you almost $70 a month. But what if you aren\u2019t the best cook? Look for less expensive, healthier food options like store-bought meals that don\u2019t require you to know anything more than how to press a few buttons on the microwave. If you already eat most of your food from home &#8211; there\u2019s still a solution for you! Look for&nbsp;this week\u2019s coupons&nbsp;at a grocery store near you and plan your week\u2019s grocery list in part based on what\u2019s on sale.<\/p>\n\n\n\n<p>Another way to save is to <a href=\"https:\/\/www.lendnation.com\/blog\/article\/money-saving-hacks-for-everyday-household-expenses\/\">take a close look at last month\u2019s purchases<\/a>, either via online banking or your paper statements. It might be scary but it will give you a very good idea where you might have some room to scale back. That, and a little education on\u00a0<a href=\"https:\/\/www.lendnation.com\/blog\/article\/9-signs-you-are-overspending-your-budget\/\">how to avoid overspending<\/a>, will help you find savings in places you never knew before.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-get-creative-can-you-save-on-the-actual-purchase\">Get creative: Can you save on the actual purchase?<\/h3>\n\n\n\n<p><strong><\/strong>Saving on the purchase item depends on what it is you\u2019re buying, but there are opportunities lurking around every corner. Coupons or shopping when there are deals is a great option to start saving. A good next step is to investigate used options; electronics, appliances, almost anything, really, can be bought used. Besides the usual Craigslist and eBay, here are just a few places to start:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.amazon.com\/Warehouse-Deals\/b?ie=UTF8&amp;node=10158976011\" target=\"_blank\" rel=\"noreferrer noopener\">Used Items Storefront on Amazon<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.habitat.org\/restores\">Habitat for Humanity ReStore<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/offerup.com\/\" target=\"_blank\" rel=\"noopener\">OfferUp with Shipping<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/gsalr.com\/\" target=\"_blank\" rel=\"noopener\">National Garage Sale Search Site<\/a><\/li>\n<\/ul>\n\n\n\n<p>There are also ways to save on services, like <a href=\"https:\/\/www.lendnation.com\/blog\/article\/when-to-replace-household-appliances\/\">household repairs.<\/a> Finding the right contractor or company for the job you need done can end up saving you more than just spare change. There are a lot of services out there, but a good place to start is\u00a0<a href=\"https:\/\/www.homeadvisor.com\/profinder\/\" target=\"_blank\" rel=\"noopener\">HomeAdvisors.com<\/a>. You can find a qualified pro and get quotes from multiple sources to help bring down the costs.<\/p>\n\n\n\n<p>Taking out a cash advance or loan for your purchase is also an option, but there may also be low-to-no interest payment plans available on the product you need to buy. One is the rent-to-own approach but beware: Final costs could be significantly higher than the price tag and may not be worth it. Just get informed on all the fees before making a decision. Here\u2019s where you can start:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/flexshopper.com\/category\/furniture?gclid=CjwKCAjw4uXaBRAcEiwAuAUz8K-GPiQmCM5GaTQXTE5Xx1K0sPzlZSYvSgQxYVjqoBQx0a7Pt_gUqBoCIc0QAvD_BwE\" target=\"_blank\" rel=\"noopener\">FlexShopper<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rentacenter.com\/\" target=\"_blank\" rel=\"noopener\">Rent-A-Center<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/perpay.com\/\" target=\"_blank\" rel=\"noopener\">PerPay<\/a><\/li>\n<\/ul>\n\n\n\n<p>You can also check with local companies to see if there are cheaper options available, such as buying the display model or last year\u2019s inventory they want to get rid of. Some stores will even give you a discount if you pay using cash rather than a card. And don\u2019t forget about <a href=\"https:\/\/www.lendnation.com\/blog\/article\/how-to-save-money-with-coupons\/\">coupons<\/a>. You can save money on big ticket items by using coupons.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-do-you-stay-on-track-with-your-savings-plan\">How do you stay on track with your savings plan?<\/h3>\n\n\n\n<p><strong><\/strong>The biggest question of them all: how do you keep up with your savings plan? Staying the savings course takes instilling just a few habits.<\/p>\n\n\n\n<p>One key to keeping up with savings is by storing your money in a way that makes it almost impossible to spend before your purchase date. There are dozens of&nbsp;savings account options, from your local bank to international online banks. You could choose one that penalizes you for withdrawals to help eliminate the temptation of using it before you need to. If you have a longer period of time before your purchase date, you might even consider a&nbsp;<a href=\"https:\/\/www.investopedia.com\/terms\/m\/moneymarketaccount.asp\" target=\"_blank\" rel=\"noopener\">Money Market account<\/a>; you\u2019ll get higher yields than a savings account but you need to have a higher balance to start out with.<\/p>\n\n\n\n<p>No matter where you put your money, make sure that you look at all your financial and savings options before making major decisions.<\/p>\n\n\n\n<p>Finally, a surefire way to stay on track with your savings is through simple budgeting. <a href=\"https:\/\/www.lendnation.com\/blog\/article\/zero-based-budgeting-for-beginners\/\">Creating a budget<\/a> one time will not only help you figure out what your expenses are each week (like rent, food, utilities, prescriptions, cell phone), it will tell you how much leftover income you have. All you have to do after that is set aside a weekly spending budget in cash and once you spend it all, that\u2019s it. You might even leave the debit or credit cards at home to avoid temptation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-get-a-quick-cash-loan-from-lendnation\">Get a Quick Cash Loan from LendNation<\/h2>\n\n\n\n<p>All this hard work does have one big payoff, besides, of course, saving for your purchase. It makes you feel great! If that time does come that you need some help in getting extra cash,&nbsp;<a href=\"https:\/\/www.lendnation.com\/apply\">LendNation<\/a>&nbsp;is here to help you with every financial surprise with a title loan, installment loan or payday loan.<\/p>\n<\/div>\n\n\n\n<aside class=\"wp-block-group p-post-single-related has-global-padding is-layout-constrained wp-container-core-group-is-layout-07747ed5 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--80)\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60)\"\/>\n\n\n\n\n\n<h2 class=\"wp-block-heading has-display-small-font-size\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--50)\">Explore Related Posts<\/h2>\n\n\n\n<div class=\"wp-block-group p-latest-posts-columns is-style-default is-layout-flow\">\n\t<div class=\"wp-block-query is-layout-flow\">\n\t\t<ul class=\"is-flex-container columns-2 wp-block-post-template is-layout-flow\">\n\t\t\t\t\t<li class=\"wp-block-post post-11502 post type-post status-publish format-standard has-post-thumbnail hentry category-loans tag-short-term-loans-title-loan-requirements-title-loan-near-me-car-title-loan-missouri-title-loan-rules\">\n\t\t\t\n\n<div class=\"wp-block-group p-post-highlight is-layout-flow wp-block-group-is-layout-flow\">\n\t<div class=\"wp-block-group p-post-highlight__inner is-layout-flow wp-block-group-is-layout-flow\">\n\t\t<div class=\"wp-block-group p-post-highlight__content is-layout-flow wp-block-group-is-layout-flow\"><h3 style=\"margin-top:0;\" class=\"wp-block-post-title has-display-x-small-font-size\">Everything You Need to Know About Missouri Title Loans<\/h3>\n\t\t\t<div class=\"taxonomy-category u-visually-hidden wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/loans\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--green\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Loans<\/span><\/a><\/div>\n\t\t\t<div style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:0;\" class=\"t-date wp-block-post-date\"><time datetime=\"2026-03-05T15:49:22+00:00\">March, 2026<\/time><\/div><\/div>\n\t\t\n\t\t<figure class=\"p-post-highlight__media s-aspect-ratio-4-5 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_2450828921.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_2450828921.jpg 6000w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_2450828921.jpg?resize=300,200 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_2450828921.jpg?resize=768,512 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_2450828921.jpg?resize=1024,683 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_2450828921.jpg?resize=1536,1024 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_2450828921.jpg?resize=2048,1365 2048w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_2450828921.jpg?resize=1619,1080 1619w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\t\n\t<p class=\"a-hidden-link-cover wp-block-post-title\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/missouri-title-loans-guide\/\" target=\"_self\" >Everything You Need to Know About Missouri Title Loans<\/a><\/p><\/div>\n\n\t\t\t<\/li>\n\t\t\t\t\t<li class=\"wp-block-post post-11322 post type-post status-publish format-standard has-post-thumbnail hentry category-loans tag-budget-for-fun tag-entertainment-budget tag-financial-health tag-smart-spending\">\n\t\t\t\n\n<div class=\"wp-block-group p-post-highlight is-layout-flow wp-block-group-is-layout-flow\">\n\t<div class=\"wp-block-group p-post-highlight__inner is-layout-flow wp-block-group-is-layout-flow\">\n\t\t<div class=\"wp-block-group p-post-highlight__content is-layout-flow wp-block-group-is-layout-flow\"><h3 style=\"margin-top:0;\" class=\"wp-block-post-title has-display-x-small-font-size\">Save More Without Sacrificing Fun<\/h3>\n\t\t\t<div class=\"taxonomy-category u-visually-hidden wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/loans\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--green\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Loans<\/span><\/a><\/div>\n\t\t\t<div style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:0;\" class=\"t-date wp-block-post-date\"><time 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https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/01\/shutterstock_2714522163.jpg?resize=1536,1024 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/01\/shutterstock_2714522163.jpg?resize=2048,1365 2048w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/01\/shutterstock_2714522163.jpg?resize=1619,1080 1619w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\t\n\t<p class=\"a-hidden-link-cover wp-block-post-title\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/saving-money-tips\/\" target=\"_self\" >Save More Without Sacrificing Fun<\/a><\/p><\/div>\n\n\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-62083a6e wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button is-style-tertiary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.lendnation.com\/blog\/\">Visit Blog\n\t\t\t                                                                                                  Homepage<\/a><\/div>\n<\/div>\n<\/aside>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>Have you ever thought about planning ahead for expensive purchases? In this blog, we discuss how you can save money and be prepared for when you need it by.<\/p>\n","protected":false},"author":18,"featured_media":1318,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[40],"tags":[95,56],"class_list":["post-1317","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loans","tag-cash-advances","tag-online-payday-loans"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to Plan &amp; Save for Expensive Purchases | LendNation<\/title>\n<meta name=\"description\" content=\"Planning for a big purchase? Learn how to save, budget, and prepare for large expenses with smart financial strategies that won\u2019t drain your wallet.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lendnation.com\/blog\/article\/how-to-plan-for-expensive-purchases\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How To Plan For Expensive Purchases\" \/>\n<meta property=\"og:description\" content=\"Planning for a big purchase? 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