Refinance or pay off highest interest debt first.
I don't care what it takes, but you have to deal with all high interest debt ASAP. Otherwise, those high APRs are taking away your hard earned money. If you can, get the lowest interest credit card you can get (preferably 0% APR) and transfer highest interest debt into it. If you can't do it, use Tip 1 on this page and my savings tips 1 and 2 to save money and pay off highest interest cards.
Ideally, you should only have low interest debt - no more then 4% APR. As the last resort, use Tip 6 below
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