It’s wise to get your interest rates as low as possible, reducing the amount you ultimately end up paying. Mortgage and credit card debt are common places to start. Mortgage rates can be reduced by refinancing. Credit card rates can be reduced simply by calling and asking for a lower rate.
DO THIS TODAY: If you haven’t refinanced in a couple years and you plan on staying in your home for at least 5 more years, get a refinance quote and see if you can reduce your rate. If you have credit card debt, call your credit card company and ask for a rate reduction.