£90 Ninja air fryer, 3x 32mth 0% debt shift, ONE cheap energy fix left, Save £200k on Inheritance Tax?, 264Mb Virgin broadband £20/mth

Must-read if you pay interest on credit card debt
New. Now three cards offer 32mths INTEREST-FREE on debt shifted to them - vastly better than it was

We've a new system to help you decide which balance transfer's best. Can you save £1,000s?

It's been over two years since three cards offered such long 0% balance transfer deals, letting you shift debt to interest-free until October 2027.

A 0% balance transfer is where you get a new card that pays off debts on existing cards for you, so you now owe it but at no interest. That way, more of your repayments clear the actual debt, rather than service the interest, getting you debt-free quicker. Before we get to the 0% best buys, four need-to-knows...

1. Find which top card's most likely to accept you via our eligibility calc. It shows your odds of getting each card before applying, minimising applications to protect your credit score.
2. Go for the lowest fee with a 0% period long enough to clear the debt. Longer balance transfers usually have a bigger one-off fee, so if you can go shorter, it's cheaper. Unsure? Play safe & go long.
3. If a card is an 'up to', check the 'backup' rate. With up-to cards, some accepted customers can get worse deals. Unless the eligibility calc says you're pre-approved - so you get the headline deal - beware cards with a poor backup rate (the alternative rate some are given).
4. Usually rejected when you apply? It's worth looking at the poor credit scorers' deals below and remember MSE's free Credit Club (available via the MSE App on Apple | Android) can analyse the problem, plus you can also access our eligibility calc there.

If you can't get the top cards, our eligibility calc will show alternatives, including some specifically for those with patchy credit histories. Some even accept those with past defaults or county court judgments (CCJs).

There's a big thing to watch though... The interest rate after the 0% ends could be above 34.9%, so compare that to your current rate. If your current card's lower, ONLY shift debt you're certain you can clear within the 0% period, so you're not stuck at the higher rate after. If your current card's the same or higher, shift as much as possible.

Getting the right card's just the start. Here are our golden rules...

a) NEVER miss the minimum monthly repayment. Or you can lose the 0%. Preferably pay it by Direct Debit (you can opt to pay a fixed monthly amount) so you never miss it. If you want to vary what you pay each month, for safety set up a Direct Debit for the minimum, then make manual overpayments on top of that each month.

b) Clear debt before the 0% ends. Clear it or transfer again before the 0% ends or you'll pay the representative APR, which with all these cards is at least a costly 25%.

c) Don't spend/withdraw cash on the card. It's usually at the costly APR, not the 0% rate, and it's best not to build up other debt while trying to repay what you've already got.

d) Do the transfer at application. It'll then contact the lenders and transfer the debt for you. If you don't do it then, cards normally have a 60- or 90-day time limit to do it, so check that.

So those are Martin's golden rules, and here are his answers to some of the questions he gets most often...

The tips above are for those who can afford to meet their credit card payments and want to make them cheaper. If you can't, you'll likely need a different tack. Martin devised these three simple questions many years ago as a snap test...

1. Do you struggle to meet minimum monthly payments or pay all bills?
2. Is your total debt (not mortgage/student loan) over a year's salary?
3. Do you have sleepless nights or depression/anxiety over debt?

If you answered yes to any of these, forget balance transfers, you need a stronger intervention, so get free, one-to-one debt-counselling help from Citizens Advice, StepChange, or National Debtline. They've powers to give you breathing space on your debt, or can put you in a repayment plan or similar. While this may impact your ability to access credit, it's usually worth it to get you out of the debt hole. And if you need emotional support too, try CAP. They're there to help, not judge.
Don't feel alone, there's no stigma, you can sort this. Read inspiring stories in our Debt-free wannabe forum, and see our Mental Health & Debt and Debt crisis help guides.