don't see any reason not to use 0%, but only if you have sufficient excess income to pay off the balance within the time period of the promo. if not, then i wouldn't do it. you really have three choices:
1. use your emergency fund to buy and then replenish
2. buy using 0% promo and pay off, keeping your emergency fund
3. delay purchase until you have the cash in hand, and keep the emergency fund
i wouldn't deplete the emergency fund to make a purchase, because the purchase isn't an emergency. that leaves you with either saving until you have the cash, or using the 0% promo. if you don't want the hassle of worrying about the payment, then that leaves you with waiting until you have the cash in hand.
I agree with this post. I think the most optimal solution would be to save up for the couches then buy on the 0%, earn some interest income, then pay it off before the 0% ends. That said, whatever you do, do not miss a payment or pay it off late. Someone else said this, but store cards do often have those nasty retroactive interest charges.
Thanks all for your advice, I think I will save up to purchase the couch. I know about the alternatives, craigslist and freecycle, etc. But I've got my mind made, I don't purchase anything for myself too often, so this isn't bad.
marsman, you bring up an interesting Idea, it sounds good - but like i said in my post, i really despise monthly payments, that is definately a more financially smart option, but having that overhead every month of having to remember to pay the bill, i don't really want that - If i did the 0% interest i'd pay it off as soon as possible, within 6 months preferrably.
I've got a lot of thinking and learning to do, I'm finally in a position where I'm saving a good chunk of my income, I'd like to keep it that way, we'll see how it goes.