The good news is that is I'm about to travel for a weekend to be present at my mothers wedding. Yay her!
The bad news is that I don't have travel funds for said occasion in my budget.
I do have plenty of available credit. My goal for 2021 is to REDUCE credit card debt, not increase it. 
We have built quite a savings account over the first six months of this year as well.
It is a forgone conclusion that I will finance this trip with a credit card.
Do I then pay that card off with a zero percent balance transfer offer, or do I simply pay it off with our savings?
DW and I are having this conversation right now, and we're not arguing but do not agree yet.
Your thoughts?
I would argue leveraging 0% interest is by far the better way to go versus pulling money out of savings. That said, if, at your current pay-down rate, it would take you a year to pay it off, I might consider simply using my savings. Nah, not even then. Cash is king.
If you aren't 100% sure that you want to pay in cash, BT.
They'll always happily take your money if you do end up deciding over the next several weeks that you just want to pay it off. 
1) New travel card with SUB?
2) 0% BT after you spend on a current card with the most rewards?
3) 50/50 cash & credit card?
4) Ask Mom to pay?
5) Ask Mom to delay wedding?
(last (2) JK
)
Congrats to DM
@M_Smart007 wrote:
1) New travel card with SUB?
2) 0% BT after you spend on a current card with the most rewards?
3) 50/50 cash & credit card?
4) Ask Mom to pay?
5) Ask Mom to delay wedding?
(last (2) JK
Congrats to DM
1) Trying to sit in the garden and avoid new accounts/new card wouldn't be here in time.
2) Almost exactly DWs thoughts.
3) Entire trip going on card. Still deciding whether to payoff or BT.
4) Ain't gonna happen.
5) My adult niece suggested this. My mom is 75. Her fiance is 78. They aren't waiting.
I'm in the 0% camp.
That's what I usually do when I need to make a major purchase--assuming they take credit cards (last year I had a major project done (sophisticated new sprinkler system) and they only took checks). When I buy a major appliance, I look through my cards to see which has a 0% promotional offer going at the time (not BT), and use one of those, then pay off the balance before the 0% period ends. Why use cash when I can finance it for free? I've even opened a new credit card (in the past) to buy something major when that particular store had 0% financing; Sears used to be my go-to place for major appliances, and I opened my card there specifically for that purpose.
My vote is for 0%, but you really need to do whatever works best for your family.
A combination of both?
Use a zero offer then use a little bit of savings to accelerate paying it off?
it's not an either/or situation .....
-J
@tcbofade wrote:The good news is that is I'm about to travel for a weekend to be present at my mothers wedding. Yay her!
The bad news is that I don't have travel funds for said occasion in my budget.
I do have plenty of available credit. My goal for 2021 is to REDUCE credit card debt, not increase it.
We have built quite a savings account over the first six months of this year as well.
It is a forgone conclusion that I will finance this trip with a credit card.
Do I then pay that card off with a zero percent balance transfer offer, or do I simply pay it off with our savings?
DW and I are having this conversation right now, and we're not arguing but do not agree yet.
Your thoughts?
The best advice I can give you: do what your DW says.
