I bought my first home this year and it’s been a doozy. Ive already made a few expensive improvements/repairs, and now I found out that I need to replace my water service line (lead pipes that started leaking) and it’s going to be a pretty hefty chunk of change. Luckily I have a pretty solid cushion, but these plumbing repairs will probably take ~80-90% of my house-related savings. I have other savings and other money invested, but I’m trying to figure out if it makes more sense to just pay for the repairs in cash now or try to finance the repairs so I buy myself some time to build my savings back up. I was thinking about a 0% APR credit card so that I can pay the balance over the next year or so, and continue earning interest on my savings that are in a HYSA. I tend to be adamantly against credit card debt, but I do have the money currently, and I’m a very disciplined budgeter so I don’t worry that I’d spend the money elsewhere (unless I guess another major emergency came up). Would love thoughts/advice/anything else I’m missing