Brace yourself: Your credit card is probably getting more expensive, and you'll want to do something about that.

The Federal Reserve has raised interest rates for the third time in 2017. The interest on credit cards typically rises with the Fed's rate hikes.

In a perfect world, we'd all pay off our credit cards each month, maintain perfect credit scores and brush our teeth five times a day.

But stuff happens, and credit card companies depend on that to make a profit. If we all paid on time, every time, they wouldn't earn any money. And, credit card finance charges can add up.

Here are some ways to find extra money to chip away at your credit card debt and beat rising interest costs.

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NEXT: Easy ways to pay less when you shop.