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Lowering interest costs will help free up more money to pay off your other debts.Keep in mind though there are some debts that are realistic - for example, a mortgage.

For credit card consolidation, personal loans are our top pick.

Withdrawing funds from your retirement account might also be an option to consider.

Of course, you could also lean on friends and family if your debt is something a little more manageable.

The interest charged on these types of offers is usually quite high, and if you don't pay it off, in full, by the due date, you may owe the interest from the time of the initial purchase.

All of a sudden that couch could almost be double the price!

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They are integral parts of his daily morning radio show and his best-selling books, "Act Like a Lady, Think Like a Man" and "Straight Talk, No Chaser: How to Find and Keep a Man." Talking to average people was a big part of his 2003-05 variety show, "Steve Harvey's Big Time Challenge." It's a big part of his ongoing gig as host of the syndicated game show "Family Feud" (he replaced John O'Hurley in September 2010). Steve always listens, and that comes out of an incredible interest in people." It also comes out of his Cleveland upbringing. And four, they never cancel an appearance." The inspirational and common-sense messages also have their roots in Cleveland.

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