Get Out of Debt

If you have debt, we can help you conquer it. We’re on a mission to help Americans pay off debt and build wealth. We know that it’s not easy to figure out what to do and that’s why we started this blog. The information below will help you overcome the most common financial and psychological hurdles so you can tackle your debt.

3 Reasons Why ReadyForZero is Your Financial Friend

This guest contribution is from Lindsey Carlton. Lindsey is the editor-in-chief at CouponsDaily.com, the leading authoritative expert on all things retail and savings. To read her original in-depth article click here In a nation full of debt, it’s hard to find the best way to pay it off. Between student loans and a plethora of other debts, you may feel like…

Does Debt Consolidation Help or Hurt Your Credit?

If you’re struggling to make the minimum payments on your debt, missing due dates and not making any substantial headway in the process, you’re credit score likely already mirrors your situation. After all, these three numbers are supposed to be the quickest snapshot of your financial health and ability to repay creditors. Debt consolidation may be an option you’re considering…

3 Questions to Ask Yourself Before Pursuing Debt Consolidation

Bills can spur a great deal of anxiety – especially when they represent a seemingly insurmountable pile of debt. If you’re struggling to make payments to multiple creditors at various amounts on different dates throughout the month, you’re likely feeling the pressure. Debt consolidation and the promise of wrapping each debt into one predictable monthly payment might seem like the…

Top 5 Best (Free) Spreadsheets for Paying Off Debt

laptop and coffe

When you’re in debt, it can feel confusing and overwhelming – as if you’re trying to find your way out of a huge maze with ten-foot walls and no map to guide you. Luckily, the first step to getting out of debt is to give yourself a map. And that starts with using some kind of spreadsheet or tool to…

How I Could Have Paid My $28,000 of Student Loans Off Faster

Trees landscape

This is a guest post by Zina Kumok Recently I finished paying off $28,000 worth of student loans (over the course of three years) while making about $30,000 a year. Paying of my loans so quickly required a lot of sacrifices, but not as many as you’d expect. I didn’t live with strangers, I didn’t get a second job, and…

How to Figure Out the Amount You Can Afford to Pay Toward Debt Each Month

Road landscape

“Debt.” It’s a financial four-letter word that you’d rather not talk about. But you know it’s time to face the music and get real with your money. That means doing something about your debt. Hey, I get it. Life is expensive and stuff happens. Sometimes that stuff requires more money than you have on hand. Maybe you needed to take…

Can I Consolidate Credit Card Debt?

Credit card debt is a sneaky beast. Whether it comes on in a flash of lightening or creeps up like a long winter snowstorm, the havoc it wreaks can feel like a tornado has ripped through your life. What’s worse, it’s painfully easy to feel as though you’re stuck. That you have absolutely zero options. That you may pay forever…

Review of SoFi: My Experience Trying Student Loan Consolidation

  Do you ever hear of something that you know could make a drastic improvement in your life – but you think, “I’ll do that later”? You have every intention of taking care of it as soon as you can but inevitably you forget…and then you remember again (at another bad time)…and you forget…and so on. This happens to me…

What Are the Best Peer to Peer Lenders?

We’ve talked previously about peer-to-peer loans and reviewed Lending Club (one of the most popular peer-to-peer lenders) in detail, but today we wanted to take a look at the best options for someone who wants to take out a peer-to-peer loan (for debt consolidation). There are only a limited number of reputable debt consolidation companies, which is why you want…

A Review of Lending Club for Borrowers

When you have debt, there are two things that have a big impact on your repayment plan: your interest rate and your monthly payment. One common way that people change up their interest rates and/or monthly payments is by consolidating their debt. And one of the most common companies for doing that (which we’ve written about before) is called Lending…