<prompt> Human: I follow a lot of advice from this sub in terms of automating my savings, budgeting, etc. My fixed expenditures are pulled directly out of my account, and my variable expenditures I only spend cash and budget 1,100month. I have an excellent credit score 810 and about 100k of credit available through all of my cards, which I opened for sweet bonus offers at one time or another, but now I only use for occasional online purchases. I have done well sticking to my cash budget the past six months, yet now I wonder would I be better off stockpiling my cash and trying to earn a float if I let my variable expenditures build up on a zero interest credit card for 15 months? There are several offers out there from major banks, and I can still limit my spending to 1,100month, although I worry I wont feel the same incentive to stuff that cc back in my pocket as I do with my cash. Thoughts?  <response>: Its a terrible idea likely to get you into credit card debt.You should put away 3-6 months of expenses in a savings account while continuing to pay your monthly bills. 