SMART CREDIT WHERE IT IS DUE

Did you go overboard this Christmas and are left with a massive credit card bill? Ease the pain by switching credit cards and cashing in on introductory rates. BoI, Tesco, KBC and PTSB have cards with 0% finance over 6/7 months, although it gets pricey after that.

AIB and Ulster have a range of cards that charge just under 4% for 12 months.