Money Tips & Resources ✍

52 Week Money Saving Challenge [2024]

Saving money can be a challenge. Every time it seems as if you are caught up, an abrupt change of events occurs and your wallet is drained...

Top Side Hustles of 2024

Looking to make some additional income without quitting your day job? Whether you're looking to grow your savings account or want more...

5 Ways to Track Your Goals

Setting goals is a crucial step towards achieving success in any area of life, especially financial goals. However, tracking those goals...

How to Plan for Retirement at Every Life Stage

Planning for retirement can seem daunting, but breaking it down into actionable steps at each stage of your life can make it more...

Credit Card Debt Resolution: What It Means

Credit card debt can feel overwhelming, but understanding your options for resolution can help you take control of your financial...

How to Interpret Debt Collection Letters

Have you received a letter informing you of an outstanding debt? You're not alone. Debt collection notices can be intimidating and packed...

How to Calculate Your Debt-to-Income Ratio

Managing your debt effectively starts with understanding your debt-to-income (DTI) ratio. This guide helps you calculate your DTI ratio so...

How Does Credit Card Debt Relief Work?

While it can be easy to get into debt, getting out can be a real challenge. High interest rates, late fees, and minimum payments that...

What Is a Debt Management Plan?

The number of Americans with debt is at an all-time high. Total household debt reached $17.5 trillion last year. Being in debt can feel...

What Is the Best Way to Pay Off Credit Card Debt?

If you're dealing with credit card debt, you're not alone. Millions of Americans struggle with carrying balances and paying high interest...

What Is a Debt-to-Income Ratio?

Your debt-to-income (DTI) ratio is a financial metric that lenders use to assess your ability to manage monthly debt payments relative to...

How to Pay Off Credit Card Debt

For many, credit card debt can be a major burden to financial well-being. But don't worry – taking control of your debt is possible. In...

11 Credit Card Debt Management Strategies

Are you drowning in credit card debt? Feeling like those minimum payments are barely making a ripple, while interest charges keep piling...

What Is Debt Settlement and How Does It Work?

Debt settlement is an approach to resolving unsecured debts such as credit cards and medical bills for less than the total amount owed....

10 Ways to Get Out of Debt Fast

When you’re in debt, you might feel alone. But you’re not – total household debt reached $17.5 trillion last year. Creating your own...

Debt Consolidation Explained

When you’re in over your head with credit cards, student loan payments, and more, paying off your debt can seem nearly impossible. Debt...

How to Establish Your Credit Score While Managing Debt

Establishing a strong credit score while managing your existing debts may sound straightforward. After all, your credit score is primarily...

What Is a Debt Validation Letter?

If you've been contacted by a debt collection agency about an outstanding debt, you should have received something called a debt...

What Does “Charged Off as Bad Debt” Mean?

If you've ever struggled with credit card debt, you might have come across the term "charged off as bad debt." This seemingly ominous...

5 Credit Card Debt Negotiation Strategies

Do you ever lie awake at night staring at the ceiling, the weight of your credit card debt pressing down on you? You're not alone....

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Credit & Debt provides answers to all of the financial questions life may throw at you. Explore our articles and videos below to find answers. Or, reach out to our financial expert, Abby, for a personalized video at askabby@creditanddebt.org.