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After reading TMF books, I called issuers of my two credit cards (each near the max of $10,000) and had their interest rates lowered by (1) 14.4 to 11.4 percent for one and (2) 13 to 9.5 percent for the second. I then cut up the higher interest card and have made it my goal to pay it off in one year and the second the next year. I find it amazing that 10 minutes on the phone can lead to such a big cut in rates (and to think, I consolidated cards from 18 percent+). It saved interest I will now invest in gratitude made TMF books my best investment ever!!

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