quickie on the credit card things (my major task of the last few years)… make sure you check any one-off fees for balance transfers and then compare the interest on the higher rate – and *also* compare both to your plan! A lot of cards here have a 3-5% transfer fee and if your plan is to pay something off in say 6 months that fee could actually be more than 6 months of interest at the higher rate. A good friend got caught by that.
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