For larger purchases, particularly furniture, a buy now pay later credit scheme might be helpful to many. You can open a La Redoute Credit Account when you place an order, allowing you to choose how to pay for the final amount. La Redoute will send you a statement after you receive your delivery, you can then pay for the full amount right away or pay in three interest free instalments. There’s also the option of paying and as when you have the money, but this will incur fees (representative 19.9% APR variable, interest rate 18.3% variable).