Experts have shared a common error homeowners make with their boilers that could lead to an expense running up to the thousands.
11.10.2022 - 23:55 / dailyrecord.co.uk
If you have a credit card, there is a chance that you are throwing thousands away.
This is because of your APR – or annual premium rate - which on average is 29.8%. This rate determines how much interest you pay when paying off outstanding card balances.
Those who are paying off cards over a long period of time could find themselves missing out on hundreds, or even thousands, of pounds, reports the Mirror. On top of this the interest rates could make an already long process even longer.
As an example, say you had an outstanding credit card balance of £1,000 and you were paying £50 a month to clear it. It would take you until January 2025 to pay it off, and you would have paid an extra £332 interest during this time.
There is a simple way to slash credit card interest - and pay nothing at all on top of what you owe.
Check if you can move your credit card debt to a 0% balance transfer card. The idea is that you shift your existing credit card debt onto a new card that comes with a 0% period for a set amount of time.
This means you pause all interest payments while you’re paying the amount on the new card - so you become debt free quicker.
These cards need to be used responsibly, otherwise you could end up adding to your debt. First of all, you need to make sure you can clear the debt before your 0% interest period finishes or you’ll start paying the representative APR.
You also need to always make your minimum repayments, otherwise you risk losing the 0% interest perk, and check if there are any fees involved when transferring your debt. Finally, you should avoid spending or withdrawing cash on these cards as you’ll often lose the 0% period - and the fees can be expensive.
If you think a 0% balance transfer card could work
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