Last month, Miriam wrote a very good blog on Five Tips to Help you Stop Using Credit Cards. It’s very interesting, and good advice for those who need to get a handle on their spending (which would be the overwhelming majority of us!) If you have a lot of debt, you may want to add another couple of steps – first, negotiating a better interest rate. Some night when you’re not stressed, take out all your cards and their statements. Arrange them from high to low interest. Is there a big range? Assuming that your credit isn’t in shambles, you … Continue reading →