Good outdoor speakers should stay mounted through rain, heat, and winter cold for at least five years. You want to buy once, not replace cracked plastic cones every spring. Waiting until late August or September lets you grab top-tier gear right when stores clear out summer inventory.
Audio brands usually launch new models in spring, which means last year's inventory sits heavily discounted by summer's end. If you split a $300 setup over time using the Citi Simplicity® Credit Card, you get 0% for 18 months on purchases and balance transfers from date of account opening. That breaks down to just $16.67 a month.
Keep in mind that a 0% interest period is a strict payoff deadline, not free money. If you carry a balance on your Citi Simplicity® Credit Card past the 18-month mark, standard interest rates will apply to whatever balance remains.