8. Refinance Your Debt
If just thinking about dept makes you feel lighthearted, you should know there are ways to tackle it responsibly without breaking the bank. And you should absolutely try to go debt-free before retiring, but if you can’t you should consider refinancing.
Moving your balances from a high-interest credit card to one with a low introductory rate is a first good step. A credit counselor could also help you along the way. All in all, lowering your interest rates is an incredibly helpful option!
