急ぐ to 削減（する） 負債 as the 危機 bites

By Daily Mail Reporter
Updated: 22:09 BST, 31 March 2009

Borrowers are 戦う／戦いing to get on 最高の，を越す of their 負債s as they 削減（する） 支援する on credit and 割れ目 負かす／撃墜する on their 法案s.

消費者s paid off £245million more 負債 than they took out in credit in February, the largest 量 of 逮捕する 返済 since 記録，記録的な／記録するs began. It compares to the previous month's 人物／姿／数字s when borrowers took o ut an extra £165million in credit.

While getting on 最高の，を越す of your 法案s is always a good idea, there is a knack to making sure you 支払う／賃金 off the ones that cost you the most money first. It used to be the 事例／患者 that the first place to start would be credit card 法案s.

But in 最近の months the cost of overdrafts has risen higher than some cards. For example, Britain's biggest 経常収支 provider Lloyds TSB has overdraft 率s 範囲ing from 10.4 per cent to 19.3 per cent, and 全国的な BS has 率s of 17.9 per cent.

Cutting 支援する: Borrowers are trying to get on 最高の，を越す of 負債s

Most credit card 率s are between 15 per cent and 20 per cent. So check the small print on 法案s, then 支払う／賃金 off the one that is costing you the most.

On most credit cards the cheapest borrowing is paid off first, and the most expensive - cash 撤退s, which are 告発（する），告訴（する）／料金d at around 25 per cent - last.

So while most of your credit card 負債 might be sitting on a lower 率 than an overdraft, you may be better off 支払う／賃金ing the card 負債 so you can 取り組む the cash 撤退 borrowing quicker.

You shouldn't 返す your credit card 負債 if you are on a 0 per cent 取引，協定 - maybe as an introductory 申し込む／申し出 on 購入（する）s or on balance 移転s. Let this borrowing sit on 利益／興味-解放する／自由な credit until it runs out, and then 支払う／賃金 it off in f ull.

Next to 返す for many will be personal 貸付金s. Though advertised 率s start at around 7.9per cent, it is more than likely that you will be 支払う／賃金ing between 10 per cent and 12 per cent for your 貸付金.

Be 用心深い when trying to 支払う／賃金 off unsecured 貸付金s 早期に as いつかs they have 早期に 返済 刑罰，罰則s. It might 井戸／弁護士席 be cheaper in the long run just to keep making your agreed 月毎の 返済s.

For most 最近の 卒業生（する）s their 貸付金 through the Student 貸付金s Company is likely to be the most sizeable 負債. But this is 始める，決める in line with the 率 of インフレーション each year, and so is essentially 利益／興味-解放する／自由な.

It also, for now, doesn't appear on your credit 得点する／非難する／２０ and for most, 返済s will come straight out of your salary. 返す it only when you have no other 負債s.