Imagine walking into a living room that holds a deep, steady heat all through winter without touching your central thermostat. Putting in a cast-iron freestanding wood stove changes how a room feels day to day, but the project takes some prep. You are looking at a few days of actual labor for hearth pads, wall clearance, and pipe venting through the roof, plus the cost of permits. Spring clearance season is the right time to book this because heating suppliers drop stock prices to clear floor space, and local sweeps and installers are less slammed than they are in October.
Before you commit to a single number, get at least three quotes from licensed installers. Stove shops often bundle the unit and the labor, but independent sweeps might quote you a better rate on the chimney work alone. Once you have your baseline price, say around $3600, you can figure out how to break those payments down so the project doesn't squeeze your monthly cash flow.
Remember that the intro window is a hard deadline, not free money. If you still have a balance left on the Citi Simplicity® Credit Card (Citi) when those 18 months are up, deferred interest or standard rates will apply to what is left.