Backyard game nights are great until you realize you are stuck running a grill instead of playing. Catering a taco bar fixes that fast, but good local spots need notice. Three weeks out is the sweet spot to lock in the food and get on their calendar before your weekend fills up.
A catered spread for a hungry group usually runs around $600 once you count the meats, tortillas, and sides. You do not have to let that entire hit land in your checking account at once. With a little lead time, you can split that cost into predictable pieces and enjoy your own party.
That 18-month break is a hard deadline, not free money. If you still have a balance when the promotional period wraps up, standard interest applies to whatever is left, which makes those tacos a lot more expensive after the fact.