Money Tips & Resources ✍

What Can Be Used as Collateral for a Personal Loan?

by Kristin Austin | February 12, 2025 | Debt, Loans | 0 Comments

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

Does Debt Consolidation Affect Buying a Home?

by Kristin Austin | January 10, 2025 | Debt | 0 Comments

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

How Buy Now Pay Later Plans Impact Your Credit

by Tyler Brunell | November 25, 2024 | Credit, Debt | 0 Comments

Buy now pay later (BNPL) options have rapidly gained popularity. In fact, more than 100 million Americans have used BNPL, and the global...

How Does a Balance Transfer Affect Your Credit?

by Tyler Brunell | November 8, 2024 | Credit, Debt | 0 Comments

A balance transfer allows you to move an existing credit card balance to a new card, often with a lower or even 0% introductory interest...

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

by Abigail Masterson | October 31, 2024 | Credit, Debt | 0 Comments

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

by Tyler Brunell | October 23, 2024 | Budgeting, Credit, Debt, Loans | 0 Comments

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?

by Kristin Austin | October 18, 2024 | Debt | 0 Comments

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?

by Tristini Tomlinson | October 16, 2024 | Debt | 0 Comments

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

by Brian Acton | October 10, 2024 | Debt | 0 Comments

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?

by Tyler Brunell | October 1, 2024 | Credit | 0 Comments

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?

by Tristini Tomlinson | September 18, 2024 | Credit, Debt | 0 Comments

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

by Abigail Masterson | September 10, 2024 | Debt | 0 Comments

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

by Brian Acton | September 3, 2024 | Debt | 0 Comments

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?

by Tyler Brunell | August 29, 2024 | Credit | 0 Comments

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

by Tyler Brunell | August 28, 2024 | Credit | 0 Comments

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?

by Kristin Austin | August 15, 2024 | Credit | 0 Comments

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?

by Tyler Brunell | August 9, 2024 | Credit, Debt | 0 Comments

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?

by Kristin Austin | August 9, 2024 | Debt | 0 Comments

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?

by Abigail Masterson | August 5, 2024 | Credit | 0 Comments

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

by Abigail Masterson | August 5, 2024 | Credit | 0 Comments

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

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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.

2025 Tax Planning Made Easy: Key Changes and Strategies

by Tyler Brunell | Budgeting

When it comes to planning for the 2024 tax year (due in 2025), the earlier you can start, the...

Money Psychology: What’s Your Money Mindset?

by Tyler Brunell | Budgeting, Debt

Understanding your money mindset can profoundly impact your financial decisions and well-being....

52 Week Money Saving Challenge [2024]

by Abigail Masterson | Budgeting

Saving money can be a challenge. Every time it seems as if you are caught up, an abrupt change of...

Top Side Hustles of 2024

by Tyler Brunell | Budgeting

Looking to make some additional income without quitting your day job? Whether you're looking to...

5 Ways to Track Your Goals

by Tyler Brunell | Budgeting, Credit, Debt

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

How to Plan for Retirement at Every Life Stage

by Tyler Brunell | Budgeting, Credit

Planning for retirement can seem daunting, but breaking it down into actionable steps at each...

Credit Card Debt Resolution: What It Means

by Tyler Brunell | Debt

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

How to Interpret Debt Collection Letters

by Tyler Brunell | Debt

Have you received a letter informing you of an outstanding debt? You're not alone. Debt collection...

How to Calculate Your Debt-to-Income Ratio

by Kristin Austin | Debt

Managing your debt effectively starts with understanding your debt-to-income (DTI) ratio. This...

How Does Credit Card Debt Relief Work?

by Kristin Austin | Debt

While it can be easy to get into debt, getting out can be a real challenge. High interest rates,...

What Is a Debt Management Plan?

by Kristin Austin | Debt

The number of Americans with debt is at an all-time high. Total household debt reached $17.5...

What Is a Debt-to-Income Ratio?

by Tyler Brunell | Debt

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

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Do you have questions about how to manage your money, reduce your debt, or improve your credit score? We have answers!