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The 50/30/20 rule is a popular budgeting technique. Use this calculator to figure out how to spend your money.

If this were me, I would transfer the balance to an interest-free credit card offering 0% for at least 15 to 18 months and work out how to pay off the $12,000. Yes, this could impact your budget ...

As an avid credit card user and professional credit card reviewer, here's how I get enough value from the Delta Reserve to justify its cost.