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It's easy to think that your debt is too big to deal with.

Credit card interest rates can range from as low as nought per cent for introductory offers, to as high as 30 per cent or more.

You have to defeat the warlock who keeps the village captive.

Your credit card company may be willing to lower your interest rate. Cards with annual fees often have lower interest rates, but do some sums to make sure they're worth it.

However, this strategy only works if you're on relatively good terms with your credit card company. For example, say you have a balance of £1,000 a month on a card with a 6.9 per cent interest rate and a £50 annual fee.

I'm not a member of any, purely out of curiosity - I was discussing these sort of sites with my housemates which offer casual encounters/nsa sex, like etc.

They said alot of the female profiles on there are fake designed to get you to pay up for full membership.

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