Besides our mortgage payment and car payment, we just bought a new refrigerator in October and put it on a Home Depot account that is at 0% interest for one year. We have enough in savings to pay off the refrigerator, but we will keep the money in savings and collect interest on it until the last minute. That's how we have always bought new furniture too and we have never had a problem paying it off by the deadline. DH's sister does this and then can't pay things off in time and gets stuck with hundreds of dollars in finance charges.

We also charge everything we can on a Visa card, but we pay it off every month. It's a rewards card and for 2006 we earned almost $600 back in cash! Not too bad since there is no annual fee and we never pay interest.

My car will be paid off in a little over 2 years, but by then it will be time for DH to get a new vehicle.