raise your hand if you have credit card debt...

If you are in your twenties or thirties, you probably have a lot of debt. According to the statistics, anyway. So if you are one of the unlucky ones to be sitting on a heap of student loans or Credit Card Debt,welcome to the club. However, it is a club you'll want to be leaving soon. You've heard it before, but the interest on those credit cards can really add up. If possible, try to consolidate your credit card debt onto one card with a low interest rate. Credit card companies are notorius for lowering them if they think you are going to switch cards, so don't be afraid to call them and demand a lower rate.