We pay credit cards off monthly too, but recall when the kids were younger and we tan a balance.

A friend recently got a home equity loan and the percentage rate was in the 3s! They paid off their credit cards and now have a tremendously lower interest rate.
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Founder Emeritus of Boomer Women Speak and the National Association of Baby Boomer Women.
www.nabbw.com
www.boomerwomenspeak.com