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TV adverts are always encouraging us to consolidate our debts. However, the lower payments are because the debt is spread over a longer period of time.
Also, debt consolidation firms usually secure the loan against your home.
Therefore, you want to transfer your balance to the new card.
Your credit card company may be willing to lower your interest rate. Cards with annual fees often have lower interest rates, but do some sums to make sure they're worth it.
If you're the type of person who lives at your spending limit, only being able to spend on one card will stop you running up more debt.
If you tend to pull out your credit card when you're short of cash, leave the card at home.
For more ideas on how to lower your credit card debt, visit or
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You wouldn't keep your cash in five separate bank accounts. Keep one card in your purse - the one with the lowest interest rate - and cut up the others.
Use this one card to keep better track of your spending.
Lindsay Lohan, Kate Moss, the Foo Fighters, Christina Aguilera, the Giants – even Stevie Wonder came in, which always cracked me up.