Balance transfer best option help

[Iknowitsyou]

Hi looking for some clever people who can tell me the best option. I have a £3000 balance transfer to do. My options are:
3% transfer fee 0%apr for 18 months
or
0% transfer fee 6.9%apr for 24 months

Would love to pay this off however realistically be looking at paying £50 minimum per month and some months adding a little more as and when I could afford to. I know how to work out the transfer fee and what that will add but don’t know how to work out the 6.9%apr as I assume the amount would go down as I pay it off? Or would it not change much due to my low payments.
Thanks in advance.

I'd go with the first option for sure. Less than half the interest rate, and on that level of payments the interest charged isn't going to drop much.

How disciplined can you be with saving and not spending? Since it's 0%, the theoretically best option would be to put all overpayments into a savings account paying 4-5%, with a view to paying off a good chunk at the end of the 18 months.

But if you're likely to spend it, probably better to just pay off extra when you can.

Thanks @Lucanus for your reply. Due to health reasons I had to cut back my hours which means I don’t have as much money to play with each month. At the moment I’m on a 0% deal that ends at the end of September. Since I went down I’ve been paying £50 and then at the end of the month whatever I have left on payday goes to the card which has ranged from £25-75. I think if I had money in savings I wouldn’t pay the card as I like to have money there in case I need it not for silly things but if the washing machine broke or something. My savings are right down but am saving £100 a month just now to try and build them up.