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    Opening the garage door, I pulled out the lawn mower and started on the backyard.


    Consolidating loans tips and tricks

    Using your savings to pay off your borrowing could save you hundreds of pounds a year in interest charges. Featured, Federal Student Loan Repayment, Federal Student Loans, Income Based Repayment, Pay As You Earn (PAYE), Pay Off Student Loans, Private Student Loan Consolidation, Private Student Loan Refinancing, Private Student Loans, Student Loan Repayment One thing we can all agree on: Paying off student loan debt isn’t fun.

    If you're paying interest on credit card debt, think about switching your balance to a 0% balance transfer deal – the best deals currently offer up to 28 months interest-free. Money Compare tables: 0% balance transfer credit cards – compare some of the best deals on the market with Which?

    Effectiveness Level: Medium-High This is one of the easiest ways to reduce your debt.

    Just take the payments you have and add extra money to the payment.

    Go further: Free debt-advice contacts – includes contact details for the major debt advice charities If you think you're likely to go into overdraft, or to exceed your existing overdraft limit, speak to your bank as soon as possible, as it may be willing to increase your authorised overdraft.

    Going into unauthorised overdraft will trigger a whole host of extra charges and can be even more expensive than a payday loan.

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