
17. Refinance Your Credit Card Debt
Sometimes, the interest you are paying on a credit card is so high, your minimum monthly payment just gets absorbed into the interest. This makes it really, really difficult to actually pay off the debt. Look for a credit card that has a 0% interest promotion, and request a balance transfer. This usually only lasts for the first year you have the card open, but if you can aggressively start paying down that card, you will save money in the process of trying to pay it off.