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Our Library
Budgeting
Building a budget that helps you achieve your goals is crucial to financial empowerment.
Our Budgeting Libary is designed to help you learn the best budgeting strategies and techniques so you can reach your financial goals — and hopefully exceed them!
Pay Off Debt or Save for Emergencies: Which Comes First?
Deciding whether to pay off debt or save for emergencies is a nuanced and often challenging decision. Both priorities are crucial for...
The True Cost of Owning a Home and How to Budget for It
Buying a home is a significant milestone, but it's essential to understand the true cost of owning a home beyond the purchase price. From...
2025 Tax Planning Made Easy: Key Changes and Strategies
When it comes to planning for the 2024 tax year (due in 2025), the earlier you can start, the better. Understanding the changes and...
Money Psychology: What’s Your Money Mindset?
Understanding your money mindset can profoundly impact your financial decisions and well-being. Your beliefs and attitudes toward money...
![52 Week Money Saving Challenge [2024]](https://creditanddebt.org/wp-content/uploads/2020/05/cd-resources-AA016-400x250.jpg)
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...
Should You Trade In Your Car or Sell It?
Should you trade in your car or sell it privately? Deciding between these two options involves weighing various factors beyond just the...
5 Essential Steps Before Buying Your First Home
Buying a home is a significant milestone that requires careful preparation to navigate successfully. Whether you're buying your first home...
Envelope Budgeting: Does it Work?
Managing finances effectively often requires adopting suitable budgeting methods that align with individual priorities and goals. One...
Spending Habits Can be Changed
Many people will agree that working to improve their financial situation, repay debt, and better manage their money can be exhausting. A...
The Hidden Costs of Debt (And How to Break Up With It)
Debt is an almost inescapable companion in the modern financial landscape. The financial burdens that come with it are obvious, but the...
How to Get Out of Debt and Manage Finances in 2024
Is your New Year’s resolution to get out of debt and manage your finances better in 2024? As we step into the New Year, it's essential to...
3 Tips to Create a Holiday Budget for Debt-Free Holidays
The holiday season is a time of joy and celebration. However, the looming financial strain from holiday spending spoils many people's...
How to Save Money During the Holidays
The holidays are right around the corner! As such, there's a good chance you've already started to buy gifts, decorations, plane tickets,...
9 Ways to Protect Yourself from Credit Card Fraud
Imagine: you're sitting at a café sipping on your morning latte, feeling productive as you review your credit report on your phone....
How to Budget and Build Credit in College
Looking to build credit in college? Heading off to college means more than just hitting the books; it's also about taking charge of your...
How to Save on School Supplies
Ready to shop for back-to-school supplies, but worried about the impact it’s going to have on your wallet? We’re here to help. In this...
Tips to Budget and Save for a Big Purchase
Are you looking to save for a big purchase like a new car, your dream vacation, or your first home? To ensure a smooth and successful...
3 Tips for Choosing the Right Insurance
Whether you own a home, run a business, or just want some peace of mind, choosing the right insurance coverage is a must. In this blog, we...
Family Travel on a Budget: Tips for Finding Travel Deals
Costs add up quickly when you have a family, but that shouldn’t stop you from planning your dream vacation. We’ve mapped out how you can...
9 Tips to Save Money During the Summer
Ah, summertime. A season of sun-soaked adventures, carefree moments, and well-deserved relaxation. But despite the seeming perfection of...
6 Smart Ways to Use Your Tax Refund
Are you receiving a tax refund? Before you start planning a shopping spree, consider putting that money to good use. This blog shares six...
What is the Relationship Between Credit and Debt?
Do you know the relationship between credit and debt? How each play a part in supporting your overall financial journey? You're not alone...
How To Manage Your Credit Card Payments?
Total credit card debt set a record of $930.6 billion last year, according to CNBC. Managing credit card payments isn’t easy, but an...
What to Look For in a Debt Payoff App
Most people have debt. And figuring out how to pay it off can be a huge challenge. There are lots of different debt payoff methods, such...
5 Reasons You Need a Personal Finance App
Personal finance management has become increasingly easier with convenient, simple-to-use apps for budgeting, banking, investing and more....
How to Plan and Save Money for a Family Vacation
Family vacations create some of the best memories you and your loved ones could ever experience together. You should never feel like your...
How Much to Budget for Vacation – Free Vacation Budget Worksheet
Going on a vacation can relieve built-up mental and physical stress. You don’t want to ruin that relief by creating debt stress while on...
Military Finance: Benefits & Programs for Service Members
Life as a United States military service member, and later on as a veteran, comes with great experiences and special financial...
Military Budgeting 101 – Tips for Service Members
Military service members and their families understand there should always be a plan. And having a budget is just that! It represents...
Filing Tax Returns: Everything You Need to Know
You’ve probably heard the old saying: “in this world, nothing is certain except death and taxes.” And while that’s true for most people,...
The Ultimate Guide to Money 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...
Financial Goals Examples and Tips
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...
Savings Accounts & Emergency Funds
The Basics Besides paying off credit card debt, it’s crucial when setting up your finances to prevent the need to rely on credit cards in...
Essential Household Budgeting Tips
This article outlines some essential household budgeting tips and guidelines for you to follow. We’ve seen countless different household...