I sent my son this tip and he said, “Dad, you should post this on your blog.” So here is and I hope it is helpful.
Here is an idea you might want to pursue. We were able to get a 0% rate for 12 months on a credit card for balance transfers. We then transferred purchases relative to our new house to the card to avoid any interest payments for 12 months. This saved higher service charges and interest on the cards we used for the purchases. They went to zero. It also allowed us to avoid using our HELOC line so we have that for emergencies and we kept our cash in the bank.
This might not be available to everyone, but it is worth a try. The key is that this buys you some time when cash is king, which is a big plus.