<prompt> Human: After a bankruptcy, foreclosure, a divorce and a break-up, Ive finally got my fiances together and will be closing on a brand new home next week. Im completely thrilled that Ill be paying a little over 400 less per month verses rent. Here is one problem that I have. I lost all my furniture in my divorce and the furniture I had in my apartment was my room mates girlfriends which she took when they moved out. All I have is a queen sized bed and a desk. My new house will be a 4 bedroom house and Id like some advice on how to afford new furniture. I see all the major furniture store have financing available and some have zero interest for a long time. I have very little in savings. Id like to furnish my new 4 bedroom house. Im guessing to do this it would cost around 10k. Its only me living there beside my two kids that visit for 6 weeks every summer. They are the number one reason I decided to build the house. Im not sure if I should finance or live very simple and try to buy one piece at a time. Im basically starting over fresh now that I ended it with unemployed ex-girlfriend who drained me financially. Im happy that she is not moving into the new house. She wanted me to put her in the deed of the house. I wont have her needs to attend to anymore and I plan on being single for a long while.Here are my numbers.IncomeGross Income: 65,000 Per yearNet Income: 50,126 per year - 4177 per monthSavings and checking2000 my rent is extremely high now, 1600 per monthIt was extremely hard to save because ex roommate Girlfriend was unemployed and an extreme mooch. Im glad I finally ended it with her.ExpensesChild Support including education, daycare and health care: 1150 per monthEstimated new house mortgage, taxes and homeowners insurance: 1150 per monthEstimated electric and water: 200 per monthEstimated TV and Internet: 100 per monthNo car payment, I drive a company car and they pay for gas and insurance. Zero Credit card debt. No gas bill.Food: 70-100 per week. Its only me plus I travel for work 3-5 days a week and they give me a Per diem for food.  <response>: Loan Officer here. Ive finally got my fiances together and will be closing on a brand new home next week. ... I see all the major furniture store have financing available and some have zero interest for a long time. I have very little in savings.No discussing financing anything with anyone that is on the clock in any capacity until after you have the keys to your new home. There is no way for you to control what a Target or Ikea employee will interpret as a credit inquiry, your loan officer, underwriter, processor, and all of heir managers will all get notifications of any new credit inquiries showing on your credit report, everything will have to be documented and explained, and TLDR is that last minute credit inquiries are the bane of my existence. Ill let everyone else here answer the questions about how to afford the furniture. : 