Martin Lewis wants everyone to put a bowl of water in their freezer in order to save money this year.
This may not sound like a typical tip from the Money Saving Expert, but according to him, it can help people to cut down on their credit card bills if they're struggling.
Not only this, but it can also be handy if you have a debit card and want to reduce the amount that you're using it. However, you should always make sure that you're still able to pay for the things you absolutely need.
The Mirror reports that in an episode of Martin's Money Show Live earlier this week, he gave the public more information about this tip which involves using a fridge freezer, a bowl of water and your credit card.
By freezing your card, it'll give you some valuable thinking time before using it and make you consider whether it's actually worth it.
Martin said the advice is designed to prevent those with debts using a 0% card which he says should focus on clearing debts.
He told his viewers: "Clear your debts in highest interest order first, which for many will be the overdraft.
"You only pay the minimum on the others. Then when the top one goes, you focus on clearing the next highest and so on. It's called snowballing and it gets rid of your debts more quickly.
"If you have any savings use them to clear the debts. If you have an emergency you can always put it back on the card afterwards, you haven't lost anything.
"If you're struggling, tell people you're in debt, tell people you can't afford to buy a round.
"And everyone else, let's not put pressure on people to spend when they don't have the cash."
Then, in terms of clearing the debt, Martin suggested setting up a direct debit to at least cover the minimum amount - and make sure to never miss these payments.
He added: "Next, make sure you clear the card before the 0% ends or you will pay back the 20-22% rate.
"If you can't do that, you need to balance transfer it again.
"Do not spend on these cards. Do not withdraw cash on these cards, because that is usually not at a cheap rate.
"These cards are only for shifting debt to. And if you really don't trust yourself, get the card, get a bowl of water.
"Card in the water, bowl in the fridge [freezer], then you'll need a hammer to spend on the card and it might give you a moment of thinking time."
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