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How to Budget for a Backyard Hammock

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How to Budget for a Backyard Hammock

Grab your hammock when the season ends and pay it off slowly without extra costs.

VoAtlas editorial Updated · 3 min read
Typical cost $250 before anything else
Across the 0% window $13.89/mo 18 months, no interest

How we got that: $250 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.

A hammock setup is the easiest way to turn a slice of your lawn into a quiet retreat. By the time the air turns crisp in late August, retailers are desperate to clear out outdoor inventory to make room for fall decor.

You should wait for the end-of-summer clearance sales to get the best price on a wooden stand. Aim to spend your $250 when stores are cutting prices by 30 to 50 percent to move stock before the first frost.

The 0% intro window is a deadline, not a gift. If you still have a balance on the card after the 18 months are up, the bank will start charging interest on whatever is left, which makes your hammock much more expensive than you planned.

The steps

  1. 01

    Watch the sales

    Track prices on a few websites starting in mid-August. Retailers often drop prices in waves as the weather cools. Waiting just two weeks can save you a significant chunk of change.

  2. 02

    Compare the stands

    Look for heavy-duty wood like cedar or cypress. Read reviews specifically about how the stand holds up after a winter outside. Cheap wood rots fast, so pick quality once.

  3. 03

    Use the card offer

    If you use the Citi Simplicity® Credit Card, you get 0% for 18 months on purchases and balance transfers from date of account opening. This gives you an 18-month window to pay off the $250 without interest charges.

  4. 04

    Automate the math

    Set up an auto-pay for $13.89 per month. This covers the full cost by the end of your 18-month window. You stay on track without having to think about it.

  5. 05

    Prep for storage

    Buy a weather-resistant cover if you plan to leave it out, or clear a spot in your garage. Treating the wood with a sealant once a year will double its life.

  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

Is it worth buying a floor model?

Floor models are usually deeply discounted at the end of the season. Check it for cracks or missing hardware before you commit, as these are often sold as-is.

Should I buy the hammock and stand separately?

Sometimes. If the stand is universal, you can often find a cheaper fabric hammock online. Just make sure the weight capacity of the hammock matches the stand.

What happens if I miss a monthly payment?

You might lose the 0% offer and get hit with a late fee. Always set up an automatic payment to ensure you never miss the deadline.

Does wood rot if it rains?

Even treated wood will rot if it sits in puddles or stays wet all winter. Keep the feet of the stand off the grass if possible, or use a cover.