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The rather nifty tool from benefits specialists Entitledto in our Benefits Checkup guide does the work for you. Its regularly-updated calculator works out everything you can get.
The amount you pay in interest to borrow is much more than you earn on your savings, so pay the debt off with savings and you're quids in.
Find out more: See the full, should I Pay Off My Debts?, Should I Pay Off My Student Loan? And Should I Overpay My Mortgage?
How much? Someone with 5,000 on a credit card and 5,000 saved is likely to be around 800 a year better off by paying off the debt with the savings.
Use your credit rating to stooze Many credit card companies are willing to lend you money at
Guides. Get the benefits you're entitled to There's a plethora of benefits available - the key is working out whether you're entitled to them.
Get paid every time you spend. Cashback credit cards pay you back machine a proportion of what you spend each time you use them. Set up a direct debit to pay the card off in full each.
How much? The average UK family could gain 2,500 to 5,000 a year doing this. How do I do it? Use the step-by-step, money Makeover guide.
60 ways to earn extra cash. By, jenny, updated, there are scores of legit ways to add to your income, whether selling stuff, working from home or going online.