ed to make your monthly payments on time, or once again the interest will accrue. In a perfect world the ideal way to use your credit card is to pay off the statement balance every month, as that way you are getting a free card service and paying no interest. However, many of us find it useful to use a credit card to spread the cost of expensive purchaseThe most important thing to start with is to prioritise your debts into essential and non-essential. The top priority every month has to be the roof over your head - your mortgage or rent, then secured loans and also essential living costs, such as gas and electricity, council tax, hire-purchase (on essential items, like your car which you need for work).

The next step is to tackle the high interest bills, such as: credit cards, store cards, hire purchase (non-essential items), overdrafts, catalogues, etc. Your most important bills are not necessarily the biggest ones. Priority debts are ones where serious action can be taken against you, if you don't pay what you owe. This is obviously especially important if you have a loan secured against your home.

Credit cards

If you have accrued a large credit card debt and feel the high interest getting out of your control, then there are now ways offered by many Credit Card companies where you can transfer your debt to a different credit provider and enjoy a low or even zero interest period (usually for around 6-9 months). It is a very competitive market, because of the high interest the credit card companies are likely to make, and if you can spare the time to fill in the forms in order to transfer to different companies, you can play the credit card market very successfully.

The important thing to remember is that you need to make your monthly payments on time, or once again the interest will accrue. In a perfect world the ideal way to use your credit card is to pay off the statement balance every month, as that way you are getting a free card service and paying no interest. However, many of us find it useful to use a credit card to spread the cost of expensive purchases

.

The next step is to tackle the high interest bills, such as: credit cards, store cards, hire purchase (non-essential items), overdrafts, catalogues, etc. Your most important bills are not necessarily the biggest ones. Priority debts are ones where serious action can be taken against you, if you don't pay what you owe. This is obviously especially important if you have a loan secured against your home.

Credit cards

If you have accrued a large credit card debt and feel the high interest getting out of your control, then there are now ways offered by many Credit Card companies where you can transfer your debt to a different credit provider and enjoy a low or even zero interest period (usually for around 6-9 months). It is a very competitive market, because of the high interest the credit card companies are likely to make, and if you can spare the time to fill in the forms in order to transfer to different companies, you can play the credit card market very successfully.

The important thing to remember is that you need to make your monthly payments on time, or once again the interest will accrue. In a perfect world the ideal way to use your credit card is to pay off the statement balance every month, as that way you are getting a free card service and paying no interest. However, many of us find it useful to use a credit card to spread the cost of expensive purchase

important if you have a loan secured against your home.

Credit cards

If you have accrued a large credit card debt and feel the high interest getting out of your control, then there are now ways offered by many Credit Card companies where you can transfer your debt to a different credit provider and enjoy a low or even zero interest period (usually for around 6-9 months). It is a very competitive market, because of the high interest the credit card companies are likely to make, and if you can spare the time to fill in the forms in order to transfer to different companies, you can play the credit card market very successfully.

The important thing to remember is that you need to make your monthly payments on time, or once again the interest will accrue. In a perfect world the ideal way to use your credit card is to pay off the statement balance every month, as that way you are getting a free card service and paying no interest. However, many of us find it useful to use a credit card to spread the cost of expensive purchase

erest period (usually for around 6-9 months). It is a very competitive market, because of the high interest the credit card companies are likely to make, and if you can spare the time to fill in the forms in order to transfer to different companies, you can play the credit card market very successfully.

The important thing to remember is that you need to make your monthly payments on time, or once again the interest will accrue. In a perfect world the ideal way to use your credit card is to pay off the statement balance every month, as that way you are getting a free card service and paying no interest. However, many of us find it useful to use a credit card to spread the cost of expensive purchase

ed to make your monthly payments on time, or once again the interest will accrue. In a perfect world the ideal way to use your credit card is to pay off the statement balance every month, as that way you are getting a free card service and paying no interest. However, many of us find it useful to use a credit card to spread the cost of expensive purchases.

Debt consolidation loans

If you find your debts are proving too difficult to control a Debt Consolidation Loan can sometimes be the solution, depending on your personal circumstances. It is a way to reduce your monthly outgoings, but you need to be very careful that you choose the right option for your personal financial circumstances. You need to carefully work out your disposable income, taking into account all your incomings and outgoings, before you decide on what would be an affordable monthly payment for you. As with anything, you need to shop around for the best deal, as it is a very competitive market.