Money-Saving Tips from Tibs and Shell

[Fidel_Castronaut]

If your credit is good enough (in the UK) you can actually get zero interest cards on balances up to £5k so long as you repay a minimum amount each year.

I'd never recommend borrowing for borrowin's sake but debt is cheap at the moment, and if you need a new appliance because one has broken or whatever, a zero or even low interest credit card is much, much cheaper than a small loan from a bank or building society. A a hell of a lot cheaper than car finance loans (if you're buying a car, say). I had a zero interest credit card for 3 years on balances up to 5k with M&S / HSBC.