[jdgay22]

i have been doing this for three years now.every year creditcard companies give you cards with 0% offer for 12 months on purchases and balance transfers.

1. well i seen threads on balance transfer to high yield savings. the main thing to make this work good is to have the credit card offers with the first balance transfer fee waived. then i would pay it back on the 10 month to be safe


2. put all your bills and expense each month on your credit card, and just pay the minimum each month. then put all your check that you make into the high yield savings account, so u would make intrest on the money you make. then pay it off on the 10 month also to be safe

in both situation one an two there is two option u can use to pay it off and start it up again for the next year

1. you can withdraw the money from the savings . pay it off, and apply for another 0% offer for 12 months. then cancel the last card. which work well

2 if you dont plan purchasing a car or house anytime soon. then this is the gold mine. the fast way to keep it going, and the best. you keep your money in the savings account. you apply for another 0% card for 12 months. do the fee free balance transfer then cancel the payed off card. I have been doing this for 3 years now.

one word of advice only put bills, gas, random big purchase. u dont want to over spend. u want to spend your normal amount. if you budget wisely . this is a great thing.