I am down to basically only a few mortgages in the debt department. I consolidated a few smaller debts onto a zero % balance transfer card for 21 months. Here is my question: How to pay it off? My initial thought was to take the total amount and divide by 21 and pay that each month. I am now thinking about just adding money to my cash accounts each month and then pay the total off when it comes due at 21 months. That way I can get the .25% interest. Thoughts? DW and I currently have 3 CC's. One each zero % balance transfers with a few thousand each and one travel rewards card that we pay in full each month. After the 2 zero % cards are paid off we will stay with just the one travel rewards card.