<prompt> Human: Im looking at purchasing an expensive item 3-4k range and looking at ways to reduce the overall burden on my balance sheet. Im looking at something like this, Citibank CC Offer with 18 months of zero-interest. I can easily pay the item off in that time. Theres also an option of financing through the purchasing company for 6 months of zero paymentsinterest if you pay the item off in 6 months. I figured the 18 month period would have lower payments than the 6 months and be better overall for me.Any thoughts are appreciated!  <response>: Good financial habits would mean: dont buy the item buy a cheaper version or buy second-hand - after some research to know youll get good enough quality borrow the item save up first and only then buy the item.Mediocre financial habits would be to buy the item now and pay later. After all, are you sure youll have the money to pay this off, later? What will happen when you lose your job two months from now? Will you still be able to make the payments and avoid interest? What if the item breaks five months from now, or what if you lose interest in using it, but you still have these payments? If you need to have this item now, financing it with a 0 deal would be the best thing to do, but I would pay it off ASAP. Find out the fine print for both deals - can you pay off quicker, without a fee, for example? What happens if you are one day late with one payment? Will the credit card have an annual fee, and how much is it?Also: if you get the credit card, you could be tempted to put more stuff on it. Will you be able to avoid that temptation? 