With 2019 quickly coming to an end, now’s the time to turn your attention to the new year. Before you know it, you’ll be budgeting for 2020 and making decisions that will affect you throughout the year.

One of the most important things you can do is examine your credit card debt. If you’re carrying multiple balances, reorganizing your debt today will put you on the path to success in 2020.

Here are just a few of the many things that a balance transfer credit card can do for you:

  • Consolidate your credit card debt: If you have a balance on two or more credit cards, a balance transfer offer allows you to bring it under the same roof. Not only does this save you money on interest, but it also allows you to more efficiently manage your debt.
  • Zero percent introductory rate: The majority of balance transfer credit cards have a zero percent introductory rate, thus allowing you to avoid interest charges for a period of 12 to 24 months. This gives you the ability to put all your effort into paying down or paying off your balance.
  • Make progress: When you’re drowning in credit card debt, it’s not always easy to take a step in the right direction. But sometimes a bit of good news is all you need in order to get on track. Simply consolidating your credit card balance is progress toward your goal of being debt free.

If you want 2020 to be your best financial year yet, now’s the time to create a plan that you’ll follow in the months to come. Credit card debt doesn’t have to drag you down any longer. With a balance transfer credit card in hand, you can take steps toward eliminating your debt by the end of next year (at the latest).

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