> You should if there's no additional cost for doing so, because that's a free loan. Any time you take out a loan, you are making a promise your future self mu

> You should if there's no additional cost for doing so, because that's a free loan. Any time you take out a loan, you are making a promise your future self must deliver on. The implicit assumption when you base your decision solely on interest rates is that your future self will always be capable of fulfilling that promise. > The same quantity of money a few months down the road will be worth a little less than it is today, If you are talking about furniture here, we're talking about saving a few pennies, maybe a couple bucks at most. Also, often places where you can get "zero percent interest", there are string attached. The perfect example is when you get a smartphone from your carrier and they don't charge you interest. You save a couple bucks over the length of the contract, but now you can't change carriers or upgrade your phone for the life of the deal. TANSTAFL... or free interest either.