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Martin Lewis' vital piece of advice for anybody with an overdraft in the UK

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direct to your inboxMoney Saving Expert Martin Lewis has dished out a golden rule for anyone in any sort of debt.On ITV's The Martin Lewis Money show, the money expert explained how it's possible to get the interest on almost all non-mortgage debts down to 0%.

The Mirror reports that means all the money you pay back each month goes on clearing your debt, not to charges. But the finance journalist added that you need to be careful.

Martin had three questions for people who might be struggling:"Are you struggling to meet your minimum repayments?"Do you have more than a year's salary as non-mortgage debt?"Are you not sleeping at night because of your debt?"If you answer yes to any of those, then I wouldn't use these solutions," he told viewers.

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