Money Tips & Resources ✍

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...

Does Debt Consolidation Affect Buying a Home?

by Tyler Brunell | July 30, 2024 | Debt | 0 Comments

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?

by Tyler Brunell | July 29, 2024 | Budgeting, Debt | 0 Comments

Deciding whether to pay off debt or save for emergencies is a nuanced and often challenging decision. Both priorities are crucial for...

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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.

How to Pay Off Credit Card Debt

by Tyler Brunell | Debt

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

11 Credit Card Debt Management Strategies

by Kristin Austin | Debt

Are you drowning in credit card debt? Feeling like those minimum payments are barely making a...

What Is Debt Settlement and How Does It Work?

by Kristin Austin | Debt

Debt settlement is an approach to resolving unsecured debts such as credit cards and medical bills...

10 Ways to Get Out of Debt Fast

by Kristin Austin | Debt

When you’re in debt, you might feel alone. But you’re not – total household debt reached $17.5...

Debt Consolidation Explained

by Brian Acton | Debt

When you’re in over your head with credit cards, student loan payments, and more, paying off your...

How to Establish Your Credit Score While Managing Debt

by Brian Acton | Debt

Establishing a strong credit score while managing your existing debts may sound straightforward....

What Is a Debt Validation Letter?

by Kristin Austin | Debt

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

5 Credit Card Debt Negotiation Strategies

by Kristin Austin | Credit

Do you ever lie awake at night staring at the ceiling, the weight of your credit card debt...

10 Practical Tips to Get Out of Debt Quickly

by Tyler Brunell | Debt

Embarking on a journey towards a debt-free life may seem daunting, but with discipline and...

Cash-Out Refinance: How It Works and When to Do It

by Tyler Brunell | Loans

Accessing the equity in your home through a cash-out refinance can be a strategic financial move,...

Should You Trade In Your Car or Sell It?

by Tyler Brunell | Budgeting, Featured

Should you trade in your car or sell it privately? Deciding between these two options involves...

5 Essential Steps Before Buying Your First Home

by Tyler Brunell | Budgeting, Credit, Loans

Buying a home is a significant milestone that requires careful preparation to navigate...

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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!