On the one hand, didn't you just get the new tri bike?

On the other hand, I love a good deal and $1800 for full carbon and Ultegra is a steal. The 0% might push me over the edge in your situation, particularly if it were accompanied by a raise, the extra could go toward paying off the bill every month . . .

What I try to do in situations like this is think if there are other things that are more important that the money could go toward. Unfortunately for me there are always other things . . .

Good luck, that's a tough decision.