Italy is best when it's warm but not melting. April through June and September offer the best light and shorter lines for pasta. You get the benefits of the Mediterranean sun without the August crowds or the peak summer prices.
Most people wait until they have every cent saved, but you can bridge the gap if you have a plan. Spreading out the cost of a $680 flight makes the trip happen sooner. We use a specific window of time to pay it off before any interest kicks in.
The 0% intro APR for 15 months on purchases and balance transfers isn't a permanent discount. It's a deadline. If you still have a balance after those 15 months, the standard interest rate will apply to the remaining amount. We use this to stay flexible, not to spend money we don't have.