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 Ways to Finally Bust Out of the Debt Cycle

Paying off debt, for many, can seem like a never-ending cycle. You make some progress only to fall back into debt again when new a crises occur. Whether you succumb to the urge to spend or have an emergency arise, it always seems to be one step forward and three steps back when it comes to getting out of debt….

Should You Tell Your Kids About Your Debt?

If you’re a parent, you know raising a child is no small feat. You do the best you can and hope you’re preparing them to lead successful, satisfying and meaningful lives as adults. There are a myriad of ways to handle the milestones your child faces and there’s often not one clear-cut best way to respond in every situation. Thankfully,…

How Low Self-Esteem Could Be Keeping You From Paying Off Your Debt

When we talk about low self-esteem in our society, we often tie it back to body issues and negative feelings about our outer appearance. But self-esteem doesn’t just dictate how you feel when you look in the mirror, it can be the driving factor in how you show up in relationships, what you think you can achieve in your career,…

Everything You Need to Know About Debt Settlement

In 2009 I worked for with some of the largest debt settlement companies, many of which are now out of business or shut down by their state’s Attorney General.  Debt settlement services are still rampant across the country.  They give you high expectations that you can cut your monthly payments and debt in half.  For someone who is knee deep…

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…