I read this article on a few ways to be able to afford quality furniture without going into major debt. Or minor debt. One of the duh-that's-obvious-but-I-hadn't-considered-it ideas was to find a quality piece that you want and then save for it. Strategically save for it. Do your monthly payments before you buy it.
We don't "need" anything right now or even in the near future, but it's nice to think about things for the future.