It depends. We rarely have a balance on anything *high interest* (credit cards for example) so we just pay off our balance every month. We do pay extra on our mortgage to lower the principal. If we can get a higher interest rate in the bank, we'll keep it there and then pay in payments. For example, our motorcycle is 2% interest (or something really low like that) and our bank is almost 5%. So, we make more money banking it and paying the $150 in interest over the course of the loan in interest. We also have some electronics we bought for our new house last year on 0% for 3 years. We break the bill into 36 equal payments (to be sure it's paid off in time) and then bank the rest for interest. Then, if we need to pay it off for some reason, the money is there

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Proud to say I haven't shopped at a Wal-Mart since Sept 2003