{"id":3032,"date":"2023-11-07T09:22:00","date_gmt":"2023-11-07T17:22:00","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=3032"},"modified":"2023-09-22T15:20:46","modified_gmt":"2023-09-22T23:20:46","slug":"pay-off-debt","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/pay-off-debt\/","title":{"rendered":"\u60aa\u3044\u501f\u91d1\u3092\u5b8c\u6e08\u3059\u308b"},"content":{"rendered":"\n<p>\u501f\u91d1\u306e\u3059\u3079\u3066\u304c\u60aa\u3044\u3068\u306f\u9650\u308a\u307e\u305b\u3093\u3002\u9078\u3073\u65b9\u3001\u4f7f\u3044\u65b9\u306b\u3088\u3063\u3066\u306f<a href=\"https:\/\/smartandresponsible.com\/blog\/?p=6543&amp;preview=true&amp;_thumbnail_id=6308\" 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id=\"h-\u501f\u91d1\u8fd4\u6e08\u306e\u6226\u7565\u3092\u3064\u304f\u308b\">\u501f\u91d1\u8fd4\u6e08\u306e\u6226\u7565\u3092\u3064\u304f\u308b<\/h2>\n\n\n\n<p>\u3053\u3053\u307e\u3067\u3067\u3001\u5bb6\u8a08\u306e\u541f\u5473\u304c\u7d42\u308f\u308a\u3001\u501f\u91d1\u8fd4\u6e08\u306b\u5145\u3066\u3089\u308c\u308b\u8cc7\u91d1\u6e90\u304c\u8a8d\u8b58\u3067\u304d\u307e\u3057\u305f\u3002\u3001\u4eca\u5ea6\u306f\u305d\u308c\u3092\u3082\u3068\u306b\u3001\u5177\u4f53\u7684\u306a\u8fd4\u6e08\u6226\u7565\u3092\u7df4\u3063\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" 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class=\"wp-block-heading\" id=\"h-\u8fd4\u6e08\u306e\u30d7\u30e9\u30a4\u30aa\u30ea\u30c6\u30a3\u3092\u6c7a\u3081\u308b\">\u8fd4\u6e08\u306e\u30d7\u30e9\u30a4\u30aa\u30ea\u30c6\u30a3\u3092\u6c7a\u3081\u308b<\/h3>\n\n\n\n<p>\u8907\u6570\u30ed\u30fc\u30f3\u304c\u3042\u308b\u5834\u5408\u306f\u3001\u305d\u308c\u305e\u308c\u306e\u6700\u4f4e\u652f\u6255\u984d\uff08Minimum 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style=\"height:62px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u91d1\u5229\u3092\u4e0b\u3052\u308b\u3053\u3068\u3082\u8003\u3048\u308b\">\u91d1\u5229\u3092\u4e0b\u3052\u308b\u3053\u3068\u3082\u8003\u3048\u308b<\/h2>\n\n\n\n<p>\u8fd4\u6e08\u306b\u52b1\u3080\u3053\u3068\u3082\u5927\u5207\u3067\u3059\u304c\u3001\u540c\u6642\u306b\u73fe\u5728\u306e\u91d1\u5229\u3092\u4e0b\u3052\u3089\u308c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u304b\u3082\u8003\u616e\u3057\u307e\u3059\u3002\u91d1\u5229\u3092\u4e0b\u3052\u308b\u65b9\u6cd5\u306b\u306f\u4ee5\u4e0b\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u30d0\u30e9\u30f3\u30b9-\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\">\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc<\/h3>\n\n\n\n<p>\u91d1\u5229\u3092\u4e0b\u3052\u308b\u305f\u3081\u306b\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u3092\u8003\u616e\u3059\u308b\u306e\u3082\u3072\u3068\u3064\u306e\u65b9\u6cd5\u3067\u3059\u3002\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u3068\u306f\u3001\u65b0\u898f\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3092\u958b\u3044\u3066\u3001\u73fe\u5728\u306e\u8ca0\u50b5\u3092\u305d\u3053\u306b\u4ed8\u3051\u66ff\u3048\u308b\u3053\u3068\u3067\u3059\u3002\u30d7\u30ed\u30e2\u30fc\u30b7\u30e7\u30f3\u3067\u30016\u304b\u6708\u3068\u304b12\u304b\u6708\u3068\u304b\u306e\u6c7a\u3081\u3089\u308c\u305f\u671f\u9593\u3001\u91d1\u5229\u304c\u30bc\u30ed\u3042\u308b\u3044\u306f\u975e\u5e38\u306b\u4f4e\u91d1\u5229\u3067\u501f\u308a\u3089\u308c\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u305f\u3060\u3057\u3001\u305d\u306e\u305f\u3081\u306b\u306f\uff62\u81ea\u5206\u306f\u501f\u91d1\u8fd4\u6e08\u306e\u305f\u3081\u306b\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u3092\u3059\u308b\u306e\u3060\uff63\u3068\u3044\u3046\u899a\u609f\u304c\u5fc5\u8981\u3067\u3059\u3002\u30d7\u30ed\u30e2\u30fc\u30b7\u30e7\u30f3\u306e\u671f\u9593\u4e2d\u306b\u3001\u7a4d\u6975\u7684\u306b\u8ca0\u50b5\u3092\u8fd4\u6e08\u3057\u3066\u3057\u307e\u3046\u3064\u3082\u308a\u3067\u304c\u3093\u3070\u308a\u307e\u3059\u3002\u300c\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u3092\u3057\u305f\u304b\u3089\u306b\u306f\u3001\u5fc5\u305a\u5f53\u521d\u306e\u8fd4\u6e08\u30b9\u30b1\u30b8\u30e5\u30fc\u30eb\u306b\u5fe0\u5b9f\u306b\u8fd4\u6e08\u3092\u3057\u7d42\u3048\u308b\u300d\u3068\u3044\u3046\u899a\u609f\u304c\u3068\u3066\u3082\u5927\u5207\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u305d\u306e\u305d\u3082\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u4f1a\u793e\u306f\u306a\u305c0\uff05APR\u3068\u3044\u3046\u3088\u3046\u306a\u30d7\u30ed\u30e2\u30fc\u30b7\u30e7\u30f3\u3092\u3059\u308b\u306e\u3067\u3057\u3087\u3046\uff1f\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30ab\u30fc\u30c9\u4f1a\u793e\u306f\u8a08\u7b97\u3055\u308c\u305f\u30ae\u30e3\u30f3\u30d6\u30eb\u3092\u3057\u3066\u3044\u308b\u306e\u3067\u3059\u3002\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u3092\u3059\u308b\u9867\u5ba2\u306e\u4e2d\u306b\u306f\u30010\uff05APR\u306e\u671f\u9593\u306e\u3046\u3061\u306b\u3059\u3079\u3066\u306e\u30ab\u30fc\u30c9\u8ca0\u50b5\u3092\u8fd4\u6e08\u3057\u3066\u3057\u307e\u308f\u306a\u3044\u3069\u3053\u308d\u304b\u3001\u65b0\u3057\u304f\u8cfc\u5165\u3057\u305f\u5206\u3082\u8ca0\u50b5\u306b\u52a0\u308f\u308a\u3001\u7d50\u679c\u7684\u306b\u305f\u304f\u3055\u3093\u306e\u5229\u5b50\u3092\u6255\u3046\u3053\u3068\u306b\u306a\u308b\u4eba\u305f\u3061\u304c\u3044\u308b\u3053\u3068\u3092\u77e5\u3063\u3066\u3044\u308b\u306e\u3067\u3059\u3002\u601d\u3063\u305f\u3064\u307c\u306b\u306f\u307e\u308a\u9280\u884c\u306e\u990c\u98df\u306b\u306a\u3089\u306a\u3044\u3088\u3046\u306b\u3001\u3057\u3063\u304b\u308a\u3068\u3057\u305f\u899a\u609f\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u305f\u3060\u3057\u3001\u6b63\u3057\u3044\u4f7f\u3044\u65b9\u3092\u3059\u308c\u3070\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u306f\u91d1\u5229\u3092\u4e0b\u3052\u3001\u3088\u308a\u65e9\u3044\u501f\u91d1\u8fd4\u6e08\u306b\u5927\u304d\u304f\u5bc4\u4e0e\u3057\u307e\u3059\u3002\u3059\u3079\u3066\u306f\u81ea\u5206\u6b21\u7b2c\uff01\u3053\u3061\u3089\u306e\u8a18\u4e8b\u3082\u3054\u53c2\u8003\u306b\uff1a<a href=\"https:\/\/smartandresponsible.com\/blog\/balance-transfer1\/\" >\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30ab\u30fc\u30c9\u306e\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u6210\u529f\u306e\u79d8\u8a23\uff08\uff11\uff09<\/a>\u3001<a href=\"https:\/\/smartandresponsible.com\/blog\/balance-transfer2\/\" >\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30ab\u30fc\u30c9\u306e\u30d0\u30e9\u30f3\u30b9\u30fb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u6210\u529f\u306e\u79d8\u8a23\uff08\uff12\uff09<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u30a8\u30af\u30a4\u30c6\u30a3\u30ed\u30fc\u30f3\">\u30a8\u30af\u30a4\u30c6\u30a3\u30ed\u30fc\u30f3<\/h3>\n\n\n\n<p>\u5bb6\u3092\u304a\u6301\u3061\u3067\u3042\u308c\u3070\u3001\u5bb6\u3092\u62c5\u4fdd\u306b\u3057\u305f\u30a8\u30af\u30a4\u30c6\u30a3\u30ed\u30fc\u30f3\u3092\u958b\u304f\u3053\u3068\u3067\u3001\u3059\u3079\u3066\u306e\u30ed\u30fc\u30f3\u3092\u30a8\u30af\u30a4\u30c6\u30a3\u30ed\u30fc\u30f3\u306b\u307e\u3068\u3081\u308b\u3053\u3068\u304c\u53ef\u80fd\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u30a8\u30af\u30a4\u30c6\u30a3\u30ed\u30fc\u30f3\u306f\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u5229\u5b50\u306b\u6bd4\u3079\u308c\u3070\u91d1\u5229\u304c\u304b\u306a\u308a\u4f4e\u3081\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u3072\u3068\u3064\u306b\u307e\u3068\u3081\u305f\u8ca0\u50b5\u306f\u3001\u8fd4\u6e08\u3082\u7c21\u5358\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u30ed\u30fc\u30f3\u9593\u3067\u306e\u8abf\u6574\">\u30ed\u30fc\u30f3\u9593\u3067\u306e\u8abf\u6574<\/h3>\n\n\n\n<p>\u65b0\u3057\u3044\u53e3\u5ea7\u3092\u958b\u304f\u306e\u3067\u306f\u306a\u304f\u3001\u3059\u3067\u306b\u3042\u308b\u30ed\u30fc\u30f3\u306e\u4e2d\u3067\u3001\u4f4e\u91d1\u5229\u306e\u30ed\u30fc\u30f3\u3067\u30af\u30ec\u30b8\u30c3\u30c8\u9650\u5ea6\u307e\u3067\u9054\u3057\u3066\u3044\u306a\u3044\u3082\u306e\u304c\u3042\u308c\u3070\u3001\u9ad8\u91d1\u5229\u306e\u30ed\u30fc\u30f3\u304b\u3089\u6b8b\u9ad8\u3092\u79fb\u3059\u3053\u3068\u304c\u3067\u304d\u308b\u304b\u898b\u3066\u307f\u307e\u3057\u3087\u3046\u3002\u306a\u308b\u3079\u304f\u4f4e\u91d1\u5229\u306b\u6b8b\u9ad8\u3092\u96c6\u4e2d\u3055\u305b\u308b\u3088\u3046\u3001\u30ed\u30fc\u30f3\u306e\u9593\u3067\u6b8b\u9ad8\u306e\u6574\u7406\u3092\u884c\u3044\u307e\u3059\u3002\u305f\u3060\u3057\u3001Introductory rate\u304c\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u308b\u5834\u5408\u306f\u3001\u305d\u306e\u671f\u9593\u5185\u3067\u8fd4\u6e08\u304c\u7d42\u308f\u308c\u308b\u78ba\u8a8d\u3092\u3057\u3066\u304b\u3089\u6b8b\u9ad8\u3092\u79fb\u3059\u3053\u3068\u3002<\/p>\n\n\n\n<div style=\"height:64px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u501f\u91d1\u8fd4\u6e08\u3092\u5b9f\u884c\u3057\u7d9a\u3051\u308b\">\u501f\u91d1\u8fd4\u6e08\u3092\u5b9f\u884c\u3057\u7d9a\u3051\u308b<\/h2>\n\n\n\n<p>\u3053\u3053\u307e\u3067\u3067\u3001\u501f\u91d1\u306e\u7d71\u5408\u3084\u91d1\u5229\u306e\u524a\u6e1b\u3001\u5177\u4f53\u7684\u8fd4\u6e08\u306e\u9806\u756a\u304c\u6c7a\u307e\u308a\u307e\u3057\u305f\u3002\u3042\u3068\u306f\u5b9f\u884c\u306b\u79fb\u3057\u3066\u3044\u304f\u3060\u3051\u3067\u3059\u304c\u3001\u8fd4\u6e08\u304c\u3069\u3046\u9032\u3093\u3067\u3044\u304f\u304b\u306e\u30ed\u30fc\u30c9\u30de\u30c3\u30d7\u3092\u4f5c\u308b\u3053\u3068\u3082\u5927\u5207\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u30ed\u30fc\u30c9\u30de\u30c3\u30d7\u3092\u3064\u304f\u308b\">\u30ed\u30fc\u30c9\u30de\u30c3\u30d7\u3092\u3064\u304f\u308b<\/h3>\n\n\n\n<p>\u5b9f\u969b\u306b\u8fd4\u6e08\u3092\u3059\u308b\u306b\u3042\u305f\u3063\u3066\u3001\u4f55\u30f6\u6708\u3067\u3069\u306e\u304f\u3089\u3044\u8fd4\u6e08\u3067\u304d\u308b\u304b\u3001\u5b8c\u6e08\u3059\u308b\u306e\u306f\u3044\u3064\u304b\u3068\u3044\u3046\u30d7\u30e9\u30f3\u3092\u3042\u3089\u304b\u3058\u3081\u4f5c\u3063\u3066\u304a\u304d\u307e\u3059\u3002\u3053\u3053\u307e\u3067\u3067\u3001\u4eca\u3082\u3063\u3066\u3044\u308b\u30ed\u30fc\u30f3\u3068\u305d\u306e\u984d\u3001\u501f\u91d1\u8fd4\u6e08\u306b\u5145\u3066\u3089\u308c\u308b\u8cc7\u91d1\u304c\u306f\u3063\u304d\u308a\u3057\u3066\u3044\u307e\u3059\u304b\u3089\u3001\u305d\u306e\u30c7\u30fc\u30bf\u3092\u4f7f\u30443\u30f5\u6708\u5f8c\u30016\u30f5\u6708\u5f8c\u30019\u30f5\u6708\u5f8c\u300112\u30f5\u6708\u5f8c\uff65\uff65\uff65\u3068\u3044\u3063\u305f\u5177\u5408\u306b\u3001\u5404\u6642\u70b9\u3067\u306e\u501f\u91d1\u6b8b\u9ad8\u3001\u30a8\u30de\u30fc\u30b8\u30a7\u30f3\u30b7\u30fc\u30d5\u30a1\u30f3\u30c9\u306e\u76ee\u6a19\u5024\u3092\u51fa\u3057\u3066\u304a\u304d\u307e\u3059\u3002\u501f\u91d1\u6b8b\u9ad8\u306f\u3069\u3093\u3069\u3093\u6e1b\u308a\u3001\u30a8\u30de\u30fc\u30b8\u30a7\u30f3\u30b7\u30fc\u30d5\u30a1\u30f3\u30c9\u306f\u3069\u3093\u3069\u3093\u5897\u3048\u3066\u3044\u304f\u306f\u305a\u3067\u3059\u3002<\/p>\n\n\n\n<p>\u8fd4\u6e08\u8a08\u753b\u3092\u5b9f\u884c\u3057\u3066\u3044\u304f\u306b\u3064\u308c\u3066\u3001\u5b9a\u671f\u7684\u306b\u305d\u306e\u76ee\u6a19\u306b\u6cbf\u3063\u305f\u7d50\u679c\u304c\u3067\u3066\u3044\u308b\u304b\u78ba\u8a8d\u3057\u307e\u3059\u3002\u51fa\u3066\u3044\u306a\u3051\u308c\u3070\u305d\u306e\u7406\u7531\u3092\u78ba\u8a8d\u3057\u3001\u8abf\u6574\u30fb\u53cd\u7701\u3092\u884c\u3044\u307e\u3059\u3002\u51fa\u3066\u3044\u308c\u3070\u304a\u795d\u3044\u3057\u3001\u3055\u3089\u306a\u308b\u8fd4\u6e08\u306e\u52b1\u307f\u3068\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" 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