<human>: Summarize the given text in a few sentences.

Hey guys, hope you guys can give me some advice on this.

My wife and I have recently started to get really serious about our finances and thanks to this subreddit have been doing quite well at it.  We have been following a strict budget for the last few months and have been trying to get our debt paid down.

This morning when I signed on to Discover's site to post a payment I noticed a offer for a balance transfer with 0% interest for 18 months with a 3% transfer fee.  Now here is where I need the advice.  I was thinking about transferring 2 balances to this card, a $1200 balance at 27.24% and a $2000 balance at 15.24%.  If my math is right this would be around a $66 dollar transfer fee and we could have it paid off in 10 months with our $500 month budgeted credit card debt payoff.  There is already $1500 on the Discover card.  This could save us hundreds of dollars in interest.

I'm just not sure if this is a smart move or not, I haven't done a balance transfer before.  I know this isn't the most organized post but thanks for reading it if you did.
<bot>: 0%  balance transfer for 18 months, 3% fee.  Wanted to transfer $3200 15&27% intrest to it and pay it off in 10 months.  Need advice if smart move or not