Hello friends, and thanks for joining me this week.

My name is Laura Adams, I'm a personal finance expert and author who's been hosting the

Money Girl podcast since 2008.

If you're building a business or you want to earn more income, I hope you'll grab a copy

of my recent book called Money, Smart, Solo, Pernour, a personal finance system for freelancers,

entrepreneurs, and side hustlers.

It was a number one Amazon new release, and it's available everywhere, books are sold

as a paperback e-book or audiobook.

If you're enjoying Money Girl, subscribe, submit a rating, and participate by sending me your

money questions or comments.

You can leave a message 24-7 on our voicemail line by calling 302-3640308.

You can email me using my contact page at LauraDatoms.com or connect on Instagram at LauraDatoms.

My mission for Money Girl is to help you get the knowledge and motivation to prioritize

your finances, build wealth, and have more security and less stress.

Today's show was inspired by a listener question.

It came from Kelly M., who says, I've received several offers for 0% balance transfer credit

cards, but I'm not sure exactly how they work.

Can you explain whether I should transfer my debt from a card charging 18.99% interest?

Well, thanks for your great question, Kelly.

I've done several podcasts on balance transfer cards, which are fantastic debt management

tools when used properly.

If you want to dive a little deeper into the topic, don't miss podcast number 486, called

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