To kick off our “Save $100 in 10 Minutes” section, here is a 10-minute tip that could actually save you hundreds of dollars over the year. Your Credit Card Like everyone, I’ve got credit cards and sometimes run my bill higher than I’d like (even as a money blogger!). That’s a normal part of your financial life. Spending is easy – especially with credit. To keep your spending and credit card habits in check, there are a ton of budgeting tips and financial techniques, but have you thought about simply paying less interest on the money that’s riding on your credit card? It seems like a crazy concept – or one the banks would hate – but in reality, with some simple steps and a phone call, you can cut your payments down with relative ease. Take Me For Example Credit card companies have 24/7 phone support from representatives who have access to your accounts – and your rates and available cash. Think of them as people working for you and not Visa/Mastercard. I was getting a pretty standard 19.97% interest charge on my Visa card – it’s the same rate as when I signed up three