Beg Your Way Out of Debt.

Have you seen that Lendingtree.com commercial where the guy shows off all his stuff—4-bedroom house, nice neighborhood, new car, golf club membership—and then explains, “How do I do it? I’m in debt up to my eyeballs… Somebody help me.” Definitely one of the best commercials ever written.

If you’re in credit card debt up to your eyeballs—or you have any credit card debt at all—don’t just sit back and accept those high finance charges. You might be able to reduce the interest rate by—get this—calling your credit card company and asking.

Obviously, you’ll have the best luck if you have a good payment history. And you might want to say please. Maybe even whine a little.

And if you haven’t seen that commercial, go to Youtube.com. We dare you not to laugh.