Before you make plans to go over to Ikea in November to shop, make sure your finances can handle it! 0% credit cards that offer a 0% APR on purchases and balance transfers are a great way to buy things you need now, but pay later. For disciplined consumers, it’s free money, in a way. You can shop to your heart’s content, and pay off your balance in a few months, without paying a nickel of interest. When the card is paid off, you can close it, and begin the process all over again! This strategy has worked well for us over the years.