Just be aware that once that interest free period ends the balance will revert to the normal interest rate so you might find yourself rolling the balance over again, which can incur costs and have credit history implications.Consolidate all debts into your mortgageIf you have a mortgage and have accrued a bit of equity in the property, this approach can be asuper interest saver. But, just like with credit card balance transfers, you need to have the discipline to increase mortgage repayments to clear the debt.Picking the best option involves drawing up a budget, being honest about your self-control inspending and repayments, and then finding the best deal on offer.