Renting your first apartment or buying your first home is an exciting occasion. When you move out on your own you need to buy furniture for your first apartment. Furnishing an entire apartment can be very expensive. Many people choose to purchase their furniture using a payment plan or a credit card. It can take years to pay it off, and cost you much more than paying cash for your furniture. This can be even more difficult if you did not budget for your move, or you need to save on a cross country move.