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How to Budget for Blackout Shades

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How to Budget for Blackout Shades

Get better sleep without breaking the bank by timing your purchase and spreading the cost.

VoAtlas editorial Updated · 3 min read
Typical cost $600 before anything else
Across the 0% window $33.33/mo 18 months, no interest

How we got that: $600 spread evenly across the 18-month introductory window on the Citi Simplicity® Credit Card. Checked · at the bank Carry a balance past the window and the standard APR applies to what is left.

Blackout shades change how you sleep by letting you control exactly when the sun starts your day. They cut glare and keep the room cooler, making them a solid investment for your bedroom.

Wait for a major holiday sale to get the best price on custom window treatments. Before you commit, get at least three quotes from different retailers to compare installation costs and material quality.

The 0% intro window is a deadline, not free money. If you have a balance left after 18 months, the bank will start charging interest on whatever is still owed.

The steps

  1. 01

    Compare three quotes

    Call three local shops or browse online retailers for prices. Ask about what is included in the installation fee so you know the full cost upfront.

  2. 02

    Time your purchase

    Window treatments go on sale during major holidays like Memorial Day or Labor Day. Hold off until then to save a chunk of the $600 total.

  3. 03

    Use the right card

    The Citi Simplicity® Credit Card offers 0% for 18 months on purchases and balance transfers from date of account opening. This lets you divide the $600 cost into 18 manageable monthly payments of $33.33 without paying interest during that intro window.

  4. 04

    Set up autopay

    Set your payment to $34 a month to ensure you clear the balance before the 18 months are up. Automating this keeps you on track so you do not miss a payment.

  5. 05

    Verify final measurements

    Measure your windows twice before you order. Custom shades are usually non-refundable, so a small mistake can be expensive.

  6. 06

    Check the card terms before you commit

    Every figure we publish for the Citi Simplicity® Credit Card carries the date a person verified it against Citi and a link to where they checked. Intro windows and APRs change without notice, so confirm the current terms before applying.

    See Citi Simplicity® Credit Card terms →

Common questions

Are cellular shades better than standard blinds?

They provide better insulation because of their honeycomb structure. They also block more light than standard slatted blinds.

Should I install them myself?

It depends on your comfort with a drill. If you are handy, you can save on the installation fee, but pros ensure they fit perfectly.

Do I need blackout shades or just room darkening?

Blackout shades block almost 100% of light, which is ideal for night shift workers or light sleepers. Room darkening shades still let a little light filter through.

What happens if I miss a payment?

Missing a payment can trigger fees or cause you to lose the 0% interest rate. Always set up an automatic payment to avoid this.