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With all the special offers about at present and some of the cards come with cheque book facilities this can be a great way of buying anything if you want to pay the money back over a short period i.e. less than two years but you have to be disciplined with your monthly repayments, as a general rule of thumb if you want to pay the money back in one year then divide the capital by ten if you want to pay it back in two years then divide the capital by twenty. Simple. And the loan will be paid off within that one or two year period. Remember to look out for special deals like 0% on balance transfers and if you are money minded you wont have to pay a penny in interest.

And don't think you can't be bothered, as it takes to long to fill out the forms, it can't take anymore than 20 minutes and even if you save just one months interest let alone six months interest its well worth it (think of it this way - You earn say £10 per hour that's about £19k pa now you save 3 months interest on 2000, a total saving over the 3 months of 22 (8.3%APR) but that's equivalent to earning £40kpa) In fact if you work it right you may not have to pay any interest at all.