financial advisor and author, nancy tengler to keep your credit from going south if the rates go north. >> watching your statements because there is no trumpet sound that says we're raising the rates. >> a strategy. >> if you borrow $5,000 and paying 20% annual rate, you make your minimum monthly payments, you'll pay $5,000 additional in interest. >> they are looking at the amount of your balance against what is available to you in total credit. you can call your company and say i i'd like to increase your limit and it will help your credit score. >> strategies about moving balances from card to card. don't do anything, until you understand the fees. >> as soon as that offer period expires, the rates skyrocket up. i've seen them as high as 25, 28%. there are penalties. you need to read the fine print. >> good straj tegies, whether they go up or not. >> another financial challenge, constant requests for money. kick starters, tip jars, violin violinists in restaurants. that's what is trending. >> donate or volunteer. >> many worthy causes to spend your money on. but you can't say yes to