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    Spending the summer at a Catskills resort with her family, Frances “Baby” Houseman falls in love with the camp’s dance instructor, Johnny Castle, and nothing is ever the same for anyone in the Houseman family. 101 is a great way to make connections with attractive people from all walks of life including Christian professionals, teachers, artists, doctors, executives, directors and musicians.

    Consolidating your credit card debt

    Credit card consolidation might be one way to simplify that financial landscape, but there are some important questions worth asking before you decide. Basically, if you’re currently making payments on several credit cards each month, you may be able to combine them into a single credit card with one monthly payment.

    consolidating your credit card debt-36consolidating your credit card debt-65consolidating your credit card debt-33

    Both of these factors have made creditors less willing to promote balance transfer at tempting promotional rates.

    If you’re like many people, probably at least a few.

    Whether you pay them online or by mailing out a check, it can take a lot of time to manage multiple accounts.

    Be sure to check with your credit card company to see if there’s a fee for transferring a balance or other impacts to your account, including how a balance transfer might change the way you pay interest on new purchases. A potential balance transfer fee could end up costing you more than you save, even if you get a new rate that’s lower than your old one.

    And watch out for companies that advertise debt consolidation services—be sure to read the fine print and get all the details on their offers.

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