Consolidated -Almost-Cancel All Cards or keep one.

floppydisk1

" New cards have their own purposes, including some intro and longer 0% transfers " - those are in fact new debts - on top of your old debts. 0 % or not - it still has to be paid for at some point. Only way to avoid  paying debt in future is not to get in debt in the first place - as already advised many times - clear your current debt, then buy things, save or invest with your own money.  
 Own money as not what's in your current account but as what is truly yours - e.g.. no debts ( credit card at whatever %, loan, overdraft or any other debt you might have )  to pay anymore.....

Dandytf

Mser's
as mentioned recently 618 from aqua.2 over to rbs 0%15 months, not new debt.
I only borrowed 5K whilst owing 5.6K on cards.
I'll prob pay interest over next year or two,I don't mind as long as I don't return to a few hundred or k to pay a few years later.
Thanks all reply's, I won't be posting as often, though prefer this thread is complete.

[Deleted User]

A higher risk profile S&S ISA can beat 15% interest depending on markets but really, racking up interest charges when you have the cash to pay off the debt is daft - what if your new job doesn't work out, what if there is another downturn etc? If you clear your debt and keep 2-3 cards used each month and paid off in full and work down the BT money then it's easy. In the current climate, any savings plan where you are getting something pitiful like less than 1% interest (i.e. effectively losing money due to inflation) while paying 15% interest on a loan is just wasting cash.

Dandytf

@Deleted_User
thanks, I've been choosing pre managed medium risk Isa Investments.
Though temptation growing to venture into one or two personal choice funds.
Current isa seems volatile past few months, though had seen double digits growth, didn't last long, maybe 6+% current returns,
p.s. current savings 3% rbs up to 50 per month, through appreciate rates are very low elsewhere.
thanks

[Deleted User]

Dandytf said:

@Deleted_User
thanks, I've been choosing pre managed medium risk Isa Investments.
Though temptation growing to venture into one or two personal choice funds.
Current isa seems volatile past few months, though had seen double digits growth, didn't last long, maybe 6+% current returns,
p.s. current savings 3% rbs up to 50 per month, through appreciate rates are very low elsewhere.
thanks

S&A ISA will always have some fluctuations but depends on funds, mine are up 35% on March 2020 on a risk profile 7 paying around £200 a month in.
The 3% natwest saver is good I agree. Once at £1000 I think I will just creaming off the interest as you only get 0.01% on anything over). I have a couple of regular savers coming to an end, Coventry 1.85% (bonus that you can pay in £500 a month - to the extent I nearly ran out of money to keep funding!) and Principality 1.5% - when they end I will reassess 
One thing you haven't mentioned is pension. I don't know how old you are but if you're able to, a pension with tax relief is amazing savings and I would invest in that over any sort of low savings plan - I pay about 32% of my take home pay into pensions (excluding employer and tax bonus)