When I first read your book about 11 months ago I was almost $40,000.00 in credit card debt and was paying an average of 17% interest. Part of this was done by renegotiating the interest rate and the rest was done by taking avantage of the special offers that the credit card companies sent us. I now have less then $16,000 left and my interest rate averages less then 1%. We also refinanced our home and went from a 30 year to a 15 year mortgage and are paying the same amount. We also pay an additional amount toward the principal each month and will have our home paid off in 11 years.