![]() The changes you make aren't likely to make you feel deprived - but they will help to keep more cash in your pocket. If your budget doesn't balance or you're looking to free up some extra cash, you could try to cut the cost of essential household goods and services. However, it's important to clear your debt before the end of the 0% period to avoid being charged at the standard APR on the remaining balance.įind out more: 0% balance-transfer credit cards explained 2. In turn, this will speed up the process of balancing your budget. Taking out a 0% balance transfer credit card could cut your interest costs dramatically, allowing you to pay off your debt more quickly. With most credit card providers charging typical APRs of up to 19%, owing even a modest amount on your plastic could cost a significant sum in the long run. If you have existing debts - particularly on credit cards - these are likely to be an expensive drain on your budget. The tips below will help you stay on track with your financial goals. Once your budget's in place, it's sadly quite easy to lose track of it and switch back to autopilot.
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