If you have debt would if be better to pay it off yourself or use those debt assistants like careone or incharge.
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Also don't listen to Peggy from Card Services International or any other scam phone call that you get promising to lower your interest rate. You can negotiate directly with any company about debt. It certainly doesn't hurt to try.
Really good points to save money, some companies seem to negotiate lower rates but there are those that does not seem to lower rates no matter what. As for the third parties, most seem to charge a rate that equals to an interest rate.
Get rid of the cell phone right away.
Cell phone should be useful to cancel internet and home phone all together. Some people I have seen travel with one cell, car, and 2 set of clothing lol. that's for real, no joke
everyone has a very good point on paying off debt, and should work well too. Many people have said that when they ask for lower rates they were told they can't get it for some reason. And for some reason the middle man can but not all the time too.
That's what many people I was asking was saying also but I guess it also depends on the amount too.