50 Important Things To Do Before Buying A House

6. Consolidate Your Debt

If you have a lot of small credit card and student loans, it may be wise to figure out if you can consolidate your debt into just one monthly payment. Calculate how much interest you are paying on each card, and figure out if you can apply for a new card with a 0% intro APR, and your existing debt over to the new card.When you are consolidating your debt, just keep credit utilization in mind. Do not max out one credit card for the sake of paying off another. Also Keep a credit card with a 0 balance open, because it will actually increase the overall percentage of your credit utilization.