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For a 0% transfer fee you'd be mad not to go for it if you've got debts you need to re-organise. No matter what your circumstances, credit card preferences or spending plans, the golden rules are to be realistic about what you can afford to spend and ultimately repay, be disciplined about repayments by setting up a direct debit every month, and remember that credit card providers are out to make money, not solve your financial problems for you.Did you know Coinstar charges a 11.9% fee to be able to deposit your coins and get cash back?I hate how it’s so much of a pain to deposit or exchange real legal tender. I think we might have to blame our consumer culture of switching to plastic, the expense of keeping coins, and companies like Coinstar.I’m sure most of you are familiar with Coinstar, but for those who aren’t, this company produces coin counting systems that are placed in stores.On our quest to get people to realize they need to stop paying bank fees, we also wanted to share that with people who use the popular Coinstar coin machines.I’ve used them many times in the past, but always hated paying them nearly 12% to process the coins.If you’re interested in doing away with any high bank fees, check out our list of free checking accounts and say “no” to bank fees!One of my most popular posts on this blog was when I wrote about how it seems many banks don’t accept coin deposits anymore.
These machines make it super easy for you to go in, dump your coins in their counting system, and then collect the cash. Yes, when you use a Coinstar machine and want to get cash for your coins, they take 11.9% off the top.Well, after looking around, I was able to find a way to get them to process my coins for free and it’s not illegal. The caveat is you don’t get your coins back in cash, but in a different form.Read below to see how you can skip the Coinstar fee and save yourself some money in the long run.But, crucially if you have debt but still need to use your card regularly, Sainsbury's also does a 30 month interest free deal on both new purchases and balance transfers, offering Nectar incentives here too.Just watch out for the same 18.95% interest rates after this period and transfer fees.