Last week’s assignment was to track your expenses, to the penny. I’ll revisit that next week. Today, I’d like to talk about finding some quick savings if you carry a balance on your credit card. It’s very simple, call each lender and ask them to lower your rate. With the average card holder carrying nearly $10,000 in credit card debt, each percent you are able to save is $100 in your pocket. If you have any recent card offers in the mail, having one handy may help. Use it to tell the old bank that you have the offer in hand but would rather just stay with them. The worst case is the bank might say no, but the chance at saving as much as $500 per year should be enough to spend the 20 minutes or so on the phone. Good luck, let me know how it goes.