Personal Finance and Investing

If you have a home equity line of credit, they typically have lower interest rates and you can deduct it

Or, get a credit card with the lowest APR and move your other debts onto it.

No matter what you do, discipline is the most important thing - make a plan and stick to it, which means spending less.

My wife and I found a good financial planner a few years ago - the first thing she told us is to pay off the cards and, if not cut them up, put them away. Getting out of debt isn't easy, but like all things, anything that sounds too good to be true, is.

good luck....