A balance transfer card can buy some time on your debt
Step 2: Run some preliminary numbers and create a plan
This is where it can pay to cut your spending so you can free up cash to pay down more debt. Remember that the more expenses and bills you can reduce, the more money you have available to pay down debt at 0% APR. Make sure to transfer all high-interest balances you carry to make the greatest impact on your financesThis tip may seem random, but it's actually very important. Take the time to make sure your old balances are fully transferred and that your old credit cards and loans are down to zero. You don't have to cancel old cards since leaving them open can maintain the average length of your credit history and thus improve your credit rating.
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