Monso Business Banking. It just works. So you can too. Join businesses like Target

to Wishing by opening a Monso Business account.

What I love about Monso Business account is how easy everything is. It can be filtered,

it can be tagged. We thought we'd have to manage our business around our banks, but that's

not the case for Monso.

My name is Shun. I am the Founder of Target Trition.

Apply in minutes at Monso.com slash business. To apply you must be a sole trader or director

of a limited company, UK Business is only terms and conditions apply.

I'm Nicole Lapin, the only financial expert you don't need a dictionary to understand.

It's time for some money we have.

Credit card debt can feel crushing and inescapable. I know this all too well. I struggled with it myself.

There are lots of great plans out there though for paying down debt.

My go-to recommendation is that you identify the debt with the highest interest rate and

pay that one off first. But today I want to dig a little deeper and talk about some lesser-known

tricks, things that go beyond making a budget to really tackle credit card debt.

Debt can quickly snowball out of control with high interest rates, but you can give yourself

a quick break with a balanced transfer. Some credit cards will offer you a 0% interest rate

for the first year. If you can get one of those credit cards, you can take your existing debt

and transfer it over to the new card. Sadly, this is not free. There's usually a fee between

3 and 5%. And the sky's not the limit here. Depending on the size of your debt,

you may not be able to put it all on one card. But even just putting a significant chunk

in at 0% or a very low interest rate or a year will give you a chance to have a little wiggle room

...