Take advantage of 0% interest for a year credit card offers. Transfer some of the debt there to lower interest paid. Then cancel the credit card in a year.
If you have equity in a house, get a secured line of credit using house as security. This way you get lower interest. Use the credit line to pay off portions of the house and increase the limit every year as the equity increases. Eventually transferring all of the mortgage to the credit line. Credit lines are not front loaded for interest like mortgages, so you pay off your house sooner with less interest paid.
PS. This thread will get moved, as this is not Z related. :-)
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Member of kenchan's "photoshopped mods" and "proper offsets" gang.
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