Well, January is nearly over, but if you have the January financial blues, you're not alone.
1 in 5 people start the New Year in debt from Christmas!
If you are in debt on your credit card and can't pay it all off, then switch to a 0% balance transfer credit card.
If the 0% deal is for 18 months then divide what you owe by 18, add 2 (or more if you can) and make that your monthly payment, to ensure the debt is gone before the end of the 0% deal.
The average credit card interest rate is 18%, so on a debt of £1000 a 0% credit card would save you £180 in a year!
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