Avoid the Credit Card and Personal Loan companies nasty (and costly!) little tricks. Simply ditching and switching your credit card debts to a new ‘balance transfer’ or 0% card can save $100s or even $1,000s per year! Follow our step-by-step guide to comparing the best balance transfer deals and 0% credit cards. Just like credit cards, Personal Loans can really help in a jam - that's why so many of us are stuck with them! A personal loan (car loan, store loan, holiday loan) may be a legitimate financing option, but beware, choosing the wrong personal loan could cost a hell of a lot more than bargained for!