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Unless you're already paying the lowest rate available, think about transferring your balance to a lower-rate card. That's the equivalent of a no-fee card with a 12 per cent interest rate.

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.

To make sure you never miss a payment, set up a direct debit to make at least the minimum payment each month.

Call your credit card company and tell them you want to cancel your card as a competitor has offered you a lower interest rate.

This could mean you lose your home if you fail to keep up payments.These firms can also charge high fees, and their involvement may affect your credit rating.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.You Get What You Pay For It seems the “free” membership sites tend to be the ones most likely to have more fake profiles on them.Though, recently, I learned that averages 10 percent paid profiles and 90 percent free profiles.It's easy to think that your debt is too big to deal with.