Reduce your Christmas debt by taking out a personal loan

21 January 2014 - Which Way To Pay

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How to reduce your Christmas debt with a consolidation loan

Christmas is a time for spending and often you find when January comes that you credit card and overdraft has taken a bit of a bashing. Does this sound like you? Have you received your first credit card bill of the year and just realised that actually you probably have overspent? If this sounds like you then now is the time to act and this about what you can do to get your finances back on track for 2014. Below we have given you a brief overview of what you could do to kick start your debt free 2014.

Change your credit card providers

If you have an existing balance on your credit card have you thought about switching credit cards? Have you researched other providers? This is a fantastic way to save you some money every month. If you choose a credit card with a 0% interest rate on balance transfers you will save yourself a fortune every month which you could use against your monthly repayments. As soon as your 0% interest free period is up, be sure to look at your other options as your payments will rocked up again. Check out what is on the market and compare your options to ensure you get the best deal available.

Take out a consolidation loan or personal loan to consolidate your debt

Consolidating your loan into one loan is a good way to ensure you are paying back your debt every month with the best interest rate you can get. Have you got credit card debt? overdraft debt? If you consolidate your loans with a consolidation loan or personal loan you will receive a lower interest rate you will be able to pay your debt back quicker. If you are in any doubt then you should always ensure that you seek independent financial advice and always double check the headline interest rate so that you donít back more in the long term.

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