So, you’ve read Miriam’s blog about getting a handle on your credit cards, you’ve asked for a lower rate from the companies you still hold cards with, and now you’re ready for the next step – transferring the debt you do have to zero interest or low interest credit cards. Be forewarned – if you do this and don’t change your spending habits, it’s just a step toward more debt. This is a step in debt reduction, not in increasing your available credit, though it will likely have that effect as well. Unless you’re worried that you won’t be able … Continue reading →