ARE you still nursing a debt hangover from Christmas?
There are some steps you can take to shift it — and it pays to be proactive.
We talk to Rachel Springall, 从 moneyfacts.co.uk, for her tips on what you can do . . .
TAKE A TRANSFER: Move existing debts to a zero per cent balance-transfer card. You can get a huge 35 months interest-free with Virgin Money. This will give you lots of breathing space to clear what you owe. Watch out for a transfer fee of 2.94 per cent though. Shift £3,000, and it would cost you £88.20. But avoid this cost with a fee-free balance transfer deal. NatWest has a card that offers 22 months at zero per cent.
PLAY YOUR CARDS RIGHT: Always be disciplined about making the minimum monthly payment on a balance-transfer card. And pay off more if you can. Clear debt or shift it again before the zero per cent ends, or costs could rocket.
CLEAR YOUR OVERDRAFT: Being overdrawn is a debt you can’t ignore, especially with many accounts charging more than 30 per cent interest. Prioritise paying off what you owe. Cheaper options include Starling Bank with a lower overdraft rate of 15 百分. Or, First Direct has a £250 interest-free overdraft, plus £130 “switching bonus” for moving your current account.
DRAW UP A BUDGET: Avoid relying on credit cards and other forms of borrowing by working out a manageable monthly budget and seeing where you can make savings. With the cost of living on the up, it’s a good idea to start scrutinising outgoings. Check out budgeting tools such as moneyhelper.org.uk/en/everyday-money/budgeting/budget-planner.
BACK TO BASICS: Consider a basic bank account where an overdraft is non-existent, such as the Virgin Money Essential. You won’t stray into the red.
lPrices correct at time of going to press. 优惠和优惠视供应情况而定.
- Prices correct at time of going to press. 优惠和优惠视供应情况而定.
TIDY those toys away with this Great Little Trading Co rope basket for £26 at John Lewis. Or go cheaper with the version from Dunelm for £15.
Deal of day
TESCO is running a Clubcard deal on its Peppa Pig Stardust junior duvet, now £12, reduced from £16.
节省: 4 英镑
GET a protein kick with Peperami Chicken Bites, just 75p per 50g packet at Sainsbury’s until February 13.
SAVE on bespoke video messages for your Valentine.
Cameo has up to 50 per cent off selected stars if booked by 6pm on Sunday.
GET peace of mind with AA breakdown cover – and grab up to £160 cashback when you buy your policy via topcashback.co.uk/ aa-uk-breakdown. Deal expires Monday. 条款和条件适用.
店铺 & 节省
BANK a bargain with this Lenor Gold Orchid fabric conditioner (1.75l) reduced from £5 to £2.50 at Wilko.
Leah’s little helper
VODAFONE customers can pick up a £1 Costa coffee with VeryMe Rewards.
首先 80,000 each week will be able to take advantage and save £1.90 per drink.
Claim one drink per week. Offer ends April 3. Visit vodafone.co.uk/myvf/verymerewards.
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