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interest anywhere from 12 to 21 months from the date you first opened the account. once you've got your interest rates down to zero, when you're making that monthly payment all of it is going to your principal and none to your interest. if you want to pay down debt, we have a list of our favorite balance transfer credit cards at cnn and that's a great place to start. >> that is a great idea, transfer the balance to get your interest rate to zero. some of these interest rates are shockingly high. we'll move on. a lot of this has to do with budgeting. you've got to prioritize what to pay down first. >> yeah, if debt is everyone's least favorite topic, budgeting might be number two. if you are nervous about budgeting, one thing you can do is take a look at the popular apps that are available out there. we test these apps every year, consistently pocket guard is one of our favorite.