Credit Card Debt

Credit card debt is a common problem in America. If you have credit card debt, we can help you pay it off by showing you how to create a focused, targeted plan. This information will help you learn how to beat credit card debt and start building wealth.

6 Reasons Why Avoiding Credit Is Costing You

As a teenager, I was repeatedly told that establishing credit and using it responsibly to build a high score was paramount to my long-term financial success. Too bad I completely ignored the latter part of that advice and found myself in a mountain of debt by the age of 21. And it’s around that time that I decided to complete…

5 Credit Card Tricks That Actually Made Me Money

We’ve all been warned time and time again. Credit cards are evil and can ruin your life. While there is some validity to this statement, you must also remember that without consumers, those pieces of plastic would be powerless. Over the years, I’ve figured out how to use credit cards to my advantage and to help me keep more cash in my pocket. A…

The 5 Golden Rules of Getting Out of Debt

Everyone has, at some point, been in debt. Being buried in debt isn’t fun.  I’ve been there. As they say, education shouldn’t be a debt sentence: it did turn out that way for me, as I’m sure it has for countless students out there. As you read these finance blogs on the web, you’ll be sure to come across great…

How Soon Should I Use A Credit Card After Paying Off Debt?

“How soon should I use a credit card after paying off debt?” This is a question I’ve received lately after speaking with a few individuals about my personal debt payoff journey. While the debt I paid off covered both student loans and credit cards, it was the latter that was the bigger pill to swallow. Not only did it encapsulate…

The Top Three Debt Consolidation Loan Companies Online

A debt consolidation loan can offer you a way to get organized and pay off your debt faster. Put simply, it’s a loan from a company that pays off all your current debts and loans so that you have one fixed payment with a lower interest rate and longer payment term. This isn’t always the best option for everyone, but for…

Things You Should Know About Paying Off Debt

Whether you’re grappling with six-figure student loan debt or a few thousand in credit card debt, paying it off can be an all-consuming task. Think about it – every time you fork over money for coffee or send in a bill payment, you likely have some thought of the heavy financial burden you are carrying. For some, reaching a zeroed…

What Happens If I Only Pay The Minimum on My Credit Card?

What is the minimum payment on a credit card

It’s always tempting to just pay the “minimum payment” on your monthly credit card statement. The minimum payment dollar amount is far more appealing than the actual balance, and it’s better than nothing, right? If you’re in a tough bind this month and short on cash, it’s important to understand what happens if you only pay the minimum every month…

How to Find a Reputable Secured Credit Card to Rebuild Credit

We get it. We all make mistakes in the past and now we’re in a frantic rush to rebuild our credit scores. The days of having thousands of dollars in credit limit is over and now it seems impossible to even get approved for a credit card. Luckily there are credit cards designed specifically to help people rebuild their credit…

Debit or Credit? Here’s Why All the Stores Are Asking…

I couldn’t stop to think about why every transaction I make at the store requires me to push “debit or credit”. At the end of the day, it makes very little difference to me. The exact amount of money will leave my account one way or another. You would think that every purchase you make with your debit card would…