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If you have a home improvement project in mind, don�t buy anything until you have a Home Depot credit card in hand. There are many ways you can save just by using this piece of plastic, such as getting coupons in the mail and taking part in promotional offers. A hint from one who knows: if they are offering 0% interest for 6 months, you can get 0% for 12 months just by asking for it! And you can ask for it every time they run the 0% for 6 months deal. So next time you want to make a large purchase, walk up to the counter and negotiate better terms for your payoff � just make sure you pay it off in that timeframe.

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