You're no idiot, of course. You know the "grace period" for your bills better than you know how to say grace. And if there were an Olympic competition for "credit surfing"--transferring your credit debt from one card to another--you'd bring home the gold metal. But when it comes to paying off that debt, you're afraid it will take a gold-medal winner's endorsements. Don't head for bankruptcy court just yet! The Complete Idiot's Guide to Beating Debt shows you not only how to eliminate the debt you have, but how to create a workable plan of "financial health". In this Complete Idiot's Guide, you get: