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.

What Is a Credit Utilization Rate?

We recently discussed the sheer volume of terminology inundating the world of personal finance – and now we’re on a mission to bring some clarity to the terms and phrases you may hear on a daily basis. Today’s term? “Credit Utilization Rate” Simply put, your credit utilization rate is the amount of credit you’re using based on what’s available to…

How to Set Up a Debt Repayment Plan

Plans are a good thing. Sure, it’s fun to wing it sometimes like on the weekend or when travelling. But when it comes to debt repayment, a plan will serve you much better than if you just go with the flow. That’s because “the flow” makes it too easy to spend extra money and get pushed off your path toward…

How to Pay Off Your Amazon Card

Did you sign up for one of those can’t-miss offers where you get a free $50 gift card to use at the world’s largest online marketplace in exchange for an approved Amazon Visa Credit Card? It can be hard to turn down, especially since their system is set up to instantaneously give you the credit on a purchase you are…

How to Pay Off Credit Card Debt (Faster)

I know what it’s like to have debt. In fact, it was less than two years ago that I finally paid off the last of my debt. Most of my $14,000 debt was made up of consumer loans and credit cards, so I understand how much it stinks to see your debts being paid down so slowly. It takes hard…

Delta Changes Rewards Program: What It Means for You

Frequent fliers – take note. Your rewards are on the line as major airline Delta overhauls the way that they measure and award miles to their rewards members. The airline recently announced that it would be changing the rules for how rewards miles are doled out to its members. Whereas before, miles were awarded based on the physical length of…

What Are the Best Debt Reduction Tools?

One of the most important things to have while getting out of debt is a tool that helps you track your progress. If we don’t know where we’re going, we’re likely to never reach our destination. Below are the best debt reduction tools for managing your debt, creating a plan and finding the motivation to be debt free.

How to Pay Off a Car Title Loan

Ever heard of a car title loan? Over the last few years the public has learned about all kinds of financial products – from subprime mortgages to home equity loans to payday loans – that have the potential to drag someone’s finances down if they’re not careful. However, there’s one type of loan that hasn’t been publicized much and it’s…

Are There Any Legitimate Debt Consolidation Loans?

debt consolidation

When you have debt, it’s not uncommon to feel that it is insurmountable. The bills keep coming in the mail and you begin to wonder what options there might be for help getting out of debt. One of the methods people often turn to – to make debt more manageable – is debt consolidation. While it’s not the right choice…

How to Read a Credit Card Statement

There’s much more to credit card debt than numbers. Personal finance is made up of your past experiences, your personal choices, and sometimes circumstances that you’d rather not face. Combined, these complex factors can result in an emotional response to your debt that makes even credit card statements a source of anxiety. In fact, it’s fairly common for borrowers to…