Buying a new TV - But how?

Pressleyno1

Evening all,

The flat I rent has a relic of an old TV which looks something like this;

http://is01.thegumtree.com/image/big/150015053.jpg

I am looking to buy a nice new Samsung UE40ES5500 40"

I went to view in Comet, and decided that to take them up on their £449 over 9 months option. It's be 10% up front (£44.49) and the rest (£404.51) over 9 months. It wasn't until I was sitting down sorting out the details they told me that if I was to repay early there would be a £25.00 charge, if I was to keep £5 left to pay for when the 9 months were up I'd be charged the 27.9% interest on the £404.51.

It was at that point I left the store, without a TV.

I could pay the TV up front, but this would mean tapping into my mortgage deposit account which I don't want to do and I would rather pay it away monthly. I do currently have a credit card, but I have set the limit at £100.00 as I am using this to help repay my credit score. I pay it off in full each month. I wouldn't really want to increase this limit as I wouldn't be able to pay the balance off in full in the month if there was £449 on it.

I have looked a other options and John Lewis' partnership card offers 0% interest for first 6 months.

http://www.partnershipcard.co.uk/content/pscd/homepage/find-out-more.html#summary

Obviously there would be no early repayment charges, and I should comfortably be able to pay this over several months.

What are people's thoughts on this?

Thanks

Sooler

Don't spend what you haven't got.

Don't buy what you can't afford.

Save up first.

almillar

And maybe ask for money for Christmas towards a TV then buy one in the sales...

Jox

Comet is going into administration so not sure how that would affect the paying off over 9 months option.

I would probably pay with a 0% card and make sure I paid it back over how ever many months the card was 0% for.