Old With The Old/In With The New

Organizing saves time and money.  Look to get organized this year.

For more on credit card balances check out this post.  You can always negotiate interest rates if you are a customer in good staning with the credit card company. I think that if you transfer a balance, then you don't want to keep the old credit card open. There may be a temptation to use the card again, and it is just necessary clutter.

Speaking of clutter and organizing, you may want to check this book, Body Clutter. I just bought and it is great!

Also, we have two Ladies Who Launch here in the New York area who can assist you in organizing.
Erica Ecker, The Spacialist, and Mary Carlomagno, author of Give It Up, My Year of Learning  Better Living With Less.