Installing heavy-duty poles and high-quality string lights turns a dark patio into a usable evening space. It usually takes a weekend to dig, set the posts, and string the lights, but it makes the yard feel like an extra room for most of the year.
Aim to buy your hardware and lights in late January. Retailers are clearing out stock, and you can often find the best prices before the spring rush begins. Get at least three quotes from local handymen if you aren't doing the install yourself, as labor prices for outdoor work fluctuate wildly.
The 0% intro APR is just a window, not a free pass. If you have not paid off the $400 by the end of the 15 months, the bank will start charging interest on whatever balance remains, which will make the project cost you more than you planned.