Should I pay cash or prefer a 0% interest loan for home furnishings?
There are several issues with paying for furniture and appliances with 0% credit instead of paying with cash. When you pay with 0% credit, you might be tempted to spend more on something than you would have if you paid with cash, because it feels like free money, and you've justified in your mind that the extra you earn will help pay for the more expensive item. Businesses don't offer 0% credit for free, and they don't lose money on the deal.  When you shop at a store that offers 0% credit, you are generally overpaying for the item.  By shopping at a store that does not offer 0% credit, you might be able to get a better price. Your savings account is likely earning very little interest.  You might invest the money you intend for your purchases in a place that gets better returns, but in most of these places the returns are not guaranteed, and you might not do as well as you think. 0% loans typically come with lots of conditions that have very heavy penalties and interest rate hikes for late payments.  You can mitigate this risk by setting up automatic payments, but things can still go wrong.  Your bank might change your account number, making the automated payment fail.  As you mentioned, you might also forget to put the proper amount of money in the account.  A single mistake can negate all of the tiny gains you are trying to achieve. Ultimately, the decision is yours, of course, but in my opinion, there is very, very little to gain with buying something on 0% credit when you could be paying cash.