Best way of paying off 0% card?


I have transferred all my debt (2 cards and car loan) onto one 0% credit card that is 0% for 30 months

My first thought was to set the DD to 500 a month which means it will take 21 months to clear.

But then I thought hang on as I’m not paying interest shouldn’t I take advantage of the full 30 months? Which means setting the monthly payment to 350.

Using the full 30 months would mean I can save that bit more each month.

Interested to hear what others have done

Mortgage starting balance 231,000
Mortgage after Year 1 225,000
Mortgage after Year 2 218,000


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