Since we have begun our quest toward freedom one of the skills that I have picked up is that of surfing some of our high interest rate debt to some lower interest opportunities. It can be hard to find decent offers but it is important to seek out 0 balance transfer opportunities. The last thing you want to do is create more debt by having to pay a fee for the transfer, that gets added onto your balance. But just a few months ago we were able to get free from American Excess and went from an APR of around 20% down to a 12 month fixed 1.9% APR for one of our larger balances. Now we just gotta keep widdling away at the balances.
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