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12 ways the Debt Tracker will help you today……
While you are waiting for your downloads to arrive, don’t forget that your first point of call should always be to check your credit score and make sure that ALL 3 agencies hold the CORRECT data about you. It’s surprising how often this is out of date and it seriously limits your choices for cheaper debt so please don’t apply for any new credit until you’ve checked this is all ok.
Second point would be to restructure what you have, either through 0% or lower interest cards or a consolidation loan. Take a look at our article on consolidation options first though.
If you have high interest cards and can’t get any free or cheaper credit, then you might want to consolidate or re-mortgage. Don’t take the first offer on this, shop around as much as you can, use comparison sites and do your research. If you are taking a new loan over a much longer time, make sure you run the numbers, just because the rate is lower it might still be more expensive if you’re paying it for a longer period of time.
Make a few copies of the debt calculator spreadsheet and test a few different scenarios to see what the end result might look like.
If you have a mortgage with a low LTV rate and high interest cards, this again could be an option but look closely at the numbers and if possible, get some impartial advice before you sign on the dotted line.
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