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@jredshaw Yeah definitely a big part of it also. Was more a comment on the Ramsey steps than general values

@holyaspirations Weird he never mentions that. I guess it's not great advice to tell someone to take out another credit card. But the 0% interest is really a game changer in getting ahold of your finances. Yeah it costs 3 or 4% to get it, but after that you can rewllt come to terms with 'I need...

@holyaspirations Yeah of course. I mean specifically in this situation as I don't believe America has such a thing.

@jredshaw Yeah this is the big thing about the David Ramsey baby steps. It's a US centric system. I'm not a financial advisor but I would say a better UK process, if available to you, is save your £ 1000 emergency fund, then save 6 months of expenses, Then start to really tackle the debt...

@everthing4family Thanks a lot. It wouldn't be possible to transfer them right? Just stop adding money and open a new account is best?

@jhillaire84 Yeah maybe. I'm more concerned about my childrens' accounts. They're just 2.5% and haven't changed in 4 years. I feel like I could be doing a lot better with them

@gdoll18 My isa with Chase is 4.1% risk free so it's very tempting to just load that up