Ok so here is the plan...
My money blog, just posted about the discover card's 0 percent for 12 months plan. Plus you get 5% cash back on certain purchases like airlines at certain times of the year. If you want more go check out:
Do something practical with that:
say you take a 10000 balance transfer.
option 1: put it in a CD and make 500 in interest, pay taxes on it, pay fee to discover, and at the end you might have 300 bucks. Not bad and not too risky so long as you can make the monthly payment
option 2: pay off some debt, risky because this represents extra money you would not normally spend. You still have to pay the minimum payments! Just calculate how much extra money you have for the debt and then that's how much you take out with the card.
With either option, if you are smart, you will make some money.
Now that you have a reason to get the card, think Latte!
So the card gives you 5% cash back on various things at different times of the year. If you spend 1000 on a flight for work, you will get reimbursed and get a $50 cash back! What's more, you can get a $40 gift card to Starbucks by cashing in only $20 of cash back. So that's like a 10% cash back amount! Phew!
Take that David Bach! (note: do a web search for David Bach's Latte factor and then you will LOL)
So then you can drive up to a Starbucks every morning, stress free knowing that you are not burning away you retirement money with a nasty habit. Bring on the mocca-latte-double shot espresso-pumpkin spice soy chai beverages!!