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Debt Diaries

How to Get Out of Credit Card Debt

Credit Card Debt

With careful planning and will power, it’s possible to eliminate your credit card debt. Click to read how you can get out of debt.

Debt

Can’t Pay Your Student Loans? Here’s What to Do

Library – Loans

If you can’t make your student loan payments, don’t stress too much just yet. Here are the options available to you.

Student Loans

Wells Fargo’s Decision Might Hurt Your Credit Score

Library – Credit News

If you have a personal credit line with Wells Fargo, then you received a notice that they are closing your account. It might hurt your credit score, so click to read what you can do to minimize the impact.

Credit

Recurring Payments: The Gifts that Keep on Taking, and Taking, and Taking…

Todd Talks | Debt Diaries

Recurring subscription services are convenient, but what’s the real cost? Todd Emerson, CEO of Credit & Debt, weighs in on the true cost of recurring payments.

Debt Diaries

Military Finance: Benefits & Programs for Service Members

Library – Military & Veterans

As a military service member or veteran, you face unique life experiences financial circumstances. Here are some financial resources and programs that can help you manage your finances efficiently.

Budgeting

Military Budgeting 101 – Tips for Service Members

Library – Military & Veterans

If you’re in the military and don’t know where to start with a budget, this Budgeting 101 guide is for you. Click to read more.

Budgeting

Mortgage Refinancing: Everything You Need to Know

Loan Resources

Refinancing a mortgage let’s you get lower interest rates and save money on your home. Click to learn more.

Loans

Filing Tax Returns: Everything You Need to Know

Budgeting Resources

Taxes are confusing, but the process doesn’t have to be. Click to read how to file federal and state tax returns this year.

Budgeting

The Debt Snowball Method: How to Pay Off Your Debt

Library – Debt Resources

The debt snowball method helps you strategically pay off your debts in a specific order to get out of debt faster. Click to learn what it is and how to use it.

Debt

The Debt Avalanche Method: Try this Debt Relief Strategy

Library – Debt Resources

The debt avalanche method is similar to the debt snowball method but with a key difference. Click to learn how it may help you pay off your debt faster.

Debt

Student Loans: Everything You Need to Know

Library – Debt Resources

Financial barriers shouldn’t get between you and your education. If you need money for school, you may consider applying for a student loan. Click to read about your options and how student loans work.

Loans

Payday Loans: Everything You Need to Know

Library – Debt Resources

A payday loan is a short-term, high-cost loan that you can use to cover any immediate cash needs. But what’s the catch? Click to read more.

Loans

Credit Cards: Everything You Need to Know

Library – Credit Resources

Credit cards allow you to borrow money & establish credit. But you need to be careful with your spending! Click to learn more.

Credit

Hard Money Loans: Everything You Need to Know

Library – Debt Resources

Is a hard money loan a good idea? It could be a way to get the cash you need (and fast, too). Keep reading to learn exactly what the process entails.

Loans

Personal Loans: Everything You Need to Know

Library – Debt Resources

A personal loan can be beneficial depending on your circumstances. Click to learn more about the pros and cons of personal loans.

Loans

The Hidden Traps within HELOC’s and Equity Loans

Todd Talks | Debt Diaries

Don’t become another victim of HELOC’s and Equity Loans. Learn more about the risks in the latest Todd Talks story by Todd Emerson, founder and CEO of Credit & Debt.

Debt Diaries

Bankruptcy: Everything You Need to Know

Library – Debt Resources

Bankruptcy is a scary word. But it could offer the financial solace you need when a financial situation has become too overwhelming to bear. Keep reading to learn exactly what it is and how it may not be as terrifying as you think.

Debt

Debt Consolidation: Everything You Need to Know

Library – Debt Resources

Debt consolidation might be an option for you if you need help digging yourself out of a financial hole.

Debt

Watch Out! Debt Collectors Can Take Your 3rd Stimulus Check. What Can You Do?

Financial Management

The third round of stimulus checks for COVID-19 relief started going out this past weekend. But will you see that precious #StimmyCheck?

Debt

Credit Monitoring: Everything You Need to Know

Library – Credit Resources

Credit monitoring is the process of monitoring your credit report for suspicious identity or identity theft. Click to learn more about credit monitoring.

Credit

“To Plan, or Not to Plan, That is the Question.”

Todd Talks | Debt Diaries

There are few economic principles as powerful as compound interest. Todd Emerson, the CEO of Credit & Debt, reflects on what it means to be liquid and achieve financial freedom.

Debt Diaries

Money Doesn’t Grow on Trees

Todd Talks | Debt Diaries

We’ve all heard that saying before. Our CEO, Todd Emerson, reflects on another story-turned-financial lesson he gave his daughter about not having money when you need it.

Debt Diaries

Repairing Bad Credit: Everything You Need to Know

Library – Credit Resources

Good credit is the entryway to those big-ticket financial decisions that make a difference in your life. If your credit score could use a pick-me-up but you’re not quite sure how to do it, it might be time to initiate the credit repair process. Keep reading to learn everything you need to know about repairing bad credit!

Credit

Death by 1,000 Asks: Teaching Kids About Money Management

Todd Talks | Debt Diaries

Teaching kids financial literacy isn’t as difficult as it may seem. Our CEO, Todd Emerson, reflects on a tough but important financial lesson he gave his daughter about borrowing money.

Debt Diaries

Debt Management Plans: Everything You Need to Know

Library – Debt Resources

Debt Management Plans (DMPS) can help manage your payments and reduce accruing debt. Click to read everything you need to know about DMPs.

Debt

52 Week Money Saving Challenge [2021]

Budgeting

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 yet again. Life happens, and we’ve all been there. From the unexpected car maintenance, to the medical bills, to all the other unavoidable obstacles life throws your way. Unfortunately, while your expenses may increase, the chances are your paychecks stay the same. That said, there are ways to save a bit more by making a few, simple lifestyle changes. Join our 15-day savings challenge and rack up some extra change! The sooner you start, the more you’ll save.

Budgeting

Debt Settlement: Everything You Need to Know

Library – Debt Resources

Debt settlement allows you to resolve your debt with a lender by negotiating to pay less than what you owe. Click to read everything you need to know.

Debt

Is Debt Settlement a Good Idea?

Financial Management

Debt settlement is often portrayed by settlement companies as a magic bullet for anyone drowning in debt. But the truth is, debt settlement is only an ideal debt solution if

Debt

How a Debt Management Plan Affects Your Credit: Pros and Cons

Financial Management

Paying off large amounts of debt can be a daunting task. If you’ve recently fallen behind on payments, have more cards than you can manage, or have payments that are too high, rest assured – you’re not alone.

Debt

Debt Management vs Debt Settlement – What’s the Difference?

Financial Management

There are many situations that may make it hard to pay off your credit card bills or loans, including illness, job loss, or simply missing a few too many credit card payments. And thanks to late fees and high annual percentage rates (APRs), it’s easy to fall into a debt hole.

Debt

The Ultimate Guide to Money Management

Financial Management

We’ve been helping people be more financially responsible for over 40 years now. We’ve boiled some of our most common advice down to some essential rules that will be your ultimate guide to money management.

Budgeting

Financial Goals Examples and Tips

Financial Management

When it comes to personal finance, everyone’s situation is unique. No one has the same bills, rent, debts, or lifestyle. When you’re ready to take control of your financial lifestyle, you need a plan that will answer your specific problems, not your neighbor’s.

Budgeting

Spending Habits Can be Changed

Budgeting

Many people will agree that working to improve their financial situation, repay debt, and better manage their money can be exhausting. A lot of people tend to start out enthusiastically, ready to tackle whatever problem they may be facing. But as time goes on they gradually gain feelings of uncertainty and hopelessness. We want to help you look at the bigger picture and change your habits for the better.

Budgeting

How to Improve Debt-to-Income Ratio

Debt Relief

If you’ve recently been in the market for a mortgage loan, you may have come across the term “debt-to-income ratio.” This ratio is one of the many factors lenders use when considering you for a loan

Debt

10 Warning Signs You Have Debt Problems

Debt Relief

Many people know when they’re struggling financially. Intuitively, we feel the pressure of not having enough cash to meet all of our obligations. If you live on a cash basis, you will find yourself with no choice but to stop spending when the money runs out.

Debt

10 Ways to Get Out of Debt Fast

Debt Relief

Creating your own get-out-of-debt plan truly is possible. With some fundamental changes to your lifestyle, you can get out of debt fast even with a low income.

Debt

What to do If a Debt Collector Calls You

Debt Relief

No one likes getting calls from debt collectors. Owing money to a group of strangers who have all of your personal information can be frightening and stressful. But why do debt collectors call?

Debt

Types of Credit Scores: VantageScore vs. FICO Score vs. Credit Score

Credit

Understanding your credit score can be hard. And to make things even more confusing, you may have heard that there are different types of credit scores.

Credit

How Do You Get The Highest Credit Score?

Credit

Striving for a good credit score is one of the most important financial goals to have. But what exactly is a “good” score – and is there a perfect one?

Credit

Savings Accounts

Financial Management

Besides paying off credit card debt, it’s crucial when setting up your finances to prevent the need to rely on credit cards in the future. That means the first financial goal you should set is to start a savings account. There are also different types of savings accounts you can have for different purposes. Some prime things you should consider saving for are emergencies and job loss.

Budgeting

What is a Good Credit Score?

Credit

If you’ve ever attempted to purchase a big-ticket item, such as a house or a car, the financing company likely spoke to you about your credit score. But what exactly is a credit score? Simply put, your credit score is a statistical number that is based on your credit history, i.e., your number of open accounts, levels of debt, and repayment history. Your credit score evaluates your creditworthiness, so lenders use this as a way to assess the probability that you will repay your loan in a timely manner.

Credit

Essential Household Budgeting Tips

Budgeting

This article outlines some essential household budgeting tips and guidelines for you to follow.

Budgeting
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