<prompt> Human: My girlfriend and I of 8 years are breaking up and she is moving out. She bought all of the furniture besides bookshelves and coffee table, and is taking it with her. Im 31 and make about 2500 a month with quarterly bonuses between 1k and 5k.My monthly expenses are: 1400 mortgage, 200 utilities 300 groceries and eating out and 450 to my IRA.I have 1300 credit card debt and 3000 emergency fund. I normally have around 10k emergency fund but had to pay for surgery for my dog. My credit card debt is higher than usual because I spent more than I planned to on vacation in spring. Im planning on slowly buying furniture over the next months, but I need a bed right away. From what Ive looked up this could be anywhere between 1000 to 4500. I dont want to get a low quality bed and then need to get one again later. So my question is, should I use my emergency fund to buy it or should I put it on my credit card and make payments monthly?Update: Thanks for all the input. I feel much less stressed about this seeing all of the much more affordable options. I had a much different idea of how much it would be.I try to keep my credit card balance low, but I had an opportunity to stay in my friends spare room in Madrid for a month and travel around Europe a little bit. I had money saved for it, but I spent more than I thought I would. I dont consider getting into a little debt for something like that a spending problem but I understand if some do.  <response>: You dont need to spend 1000 to 4500 on a new bed. And you shouldnt because you cant afford that. 