If you are looking to get on top of your finances then a good start is to hunt around for the best credit card deal. It is getting harder to find such good deals around at the moment because of the credit crunch, but there are still some good offers. I have recently applied for a card which has no interest on purchases for nine months which I will treat as a nine month loan on a big purchase that I need to make. There are also some which have interest free periods on balance transfers but these tend to have a fee so it is worth doing some calculations to see if it is worth doing that. I also have a cash back credit card which I use for all of my monthly spending and pay it off at the end of the month. This means that not only do I get some money each month for using the card, but I also gain interest on the money in my current account which I would normally have spend on my monthly outgoings.