Something you can do - and I only recommend this for those who do not have debt - is to get a 0% credit card and transfer the entire balance to a high-yield account for the period of the 0% promotion. Make your minimum payments until about a week before the end of the promo and then pay off the card from the account you initially opened. You have the interest earned leftover. It's not a lot, but if you continue the practice, you can earn enough to pay for the fun stuff. Feel free to check out my blog for more information, too.