As for the credit cards, each new offer comes with a special intro rate, maybe 5% for a few months. So, transfer all to that one, then when the next one comes transfer to that, to next, etc. Still, there is no catching up....as long as the plastic is being slipped through the reader. I want it all, I want now...oops! This part has nothing to do poor or middle or whatever...the plastic is addictive to some. God bless them in seeing the light and get out the shredder!