Money Tips & Resources ✍

How Balance Transfers Work: Do Balance Transfers Hurt Your Credit?

Many people wonder how balance transfers work and if they can negatively affect your credit score. Balance transfers are a powerful tool...

6 Signs Financial Coaching Is Right for You 

Managing your finances can be complicated and overwhelming, especially when you're trying to balance short-term needs with long-term...

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...

Debt Counseling vs. Debt Management: Which is Right for You? 

Debt-related stress is a pervasive issue that affects millions of individuals and families, often leading to anxiety, health problems, and...

How to Get Out of Medical Debt 

Millions of people in the United States are saddled with medical debt, with one in five Americans currently in collections for medical...

How Many Credit Cards Are Too Many?

Credit cards play an essential role in personal finance, offering a convenient way to make purchases, build credit, and earn rewards. But...

What Happens if You Miss a Car Payment?

Financial stability is a crucial aspect of personal well-being, and missing a car payment can be a significant source of stress. A missed...

What to do If a Debt Collector Calls You

Debt Collectors Keep Calling Me!   No one likes getting calls from debt collectors. Owing money to a group of strangers who...

How to Pay Off Debt Fast 

Paying off your debt fast comes with many short-term and long-term benefits. It can help you build strong credit over time with a positive...

How Can Credit Cards Help Your Credit Score? 

In today’s financial landscape, your credit score holds the power to make or break your financial health. With the potential to save or...

Missed Credit Card Payment by 1 Day? Here’s What Happens if you Miss a Credit Card Payment 

Missing a credit card payment, even by just a day, can have a series of consequences that might surprise you. Whether it’s an oversight or...

What Makes a Good Credit Score?

What is a good credit score, and how do you determine what makes it good or not? If you’ve ever applied for a significant loan, like for a...

How Do Medical Bills Affect Your Credit?

Dealing with medical bills can be overwhelming, especially when you're unsure how they might affect your credit score. Understanding the...

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...

Quadpay (Zip): Is Paying Later Worth It?

Zip — formerly Quadpay — is a “Buy now. Pay later.” platform. They allow you to “split any purchase into 4 interest‑free installments over...

“Car Dealership Ran My Credit Multiple Times” – Here’s What to Do

If you’ve been vehicle shopping recently, you might have noticed that the car dealership ran your credit multiple times. Don’t panic just...

Does Debt Consolidation Affect Buying a Home?

Debt consolidation can be a helpful tool for managing multiple debts, but does debt consolidation affect buying a home? This article...

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...

What Can Be Used as Collateral for a Personal Loan?

It's critical to clearly understand collateral when considering a secured personal loan. Collateral can significantly impact your loan...

What is a Balance Transfer Credit Card?

Managing credit card debt can be challenging, especially with high interest rates. One effective strategy is using a balance transfer...

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