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.

3 Tips to Create a Holiday Budget for Debt-Free Holidays

by Madison Ervin | Budgeting

The holiday season is a time of joy and celebration. However, the looming financial strain from...

How to Save Money During the Holidays

by Madison Ervin | Budgeting

The holidays are right around the corner! As such, there's a good chance you've already started to...

Can’t Pay Student Loans? Here’s What You Should Do

by Madison Ervin | Loans

Student loans are one of the hottest topics in the United States right now and a common source of...

Is Refinancing Student Loans Worth It?

by Madison Ervin | Loans

It's no secret that student loans are one of the top causes of debt in the United States....

7 Ways to Lower Student Loan Payments

by Madison Ervin | Debt, Loans

We've all been there. That moment when you peek at your bank statement, only to get that sinking...

9 Ways to Protect Yourself from Credit Card Fraud

by Madison Ervin | Budgeting, Credit

Imagine: you're sitting at a café sipping on your morning latte, feeling productive as you review...

How to Budget and Build Credit in College

by Madison Ervin | Budgeting, Credit

Looking to build credit in college? Heading off to college means more than just hitting the books;...

How to Save on School Supplies

by Madison Ervin | Budgeting

Ready to shop for back-to-school supplies, but worried about the impact it’s going to have on your...

Tips to Budget and Save for a Big Purchase

by Madison Ervin | Budgeting

Are you looking to save for a big purchase like a new car, your dream vacation, or your first...

3 Tips for Choosing the Right Insurance

by Madison Ervin | Budgeting

Whether you own a home, run a business, or just want some peace of mind, choosing the right...

Family Travel on a Budget: Tips for Finding Travel Deals

by Abigail Masterson | Budgeting

Costs add up quickly when you have a family, but that shouldn’t stop you from planning your dream...

9 Tips to Save Money During the Summer

by Madison Ervin | Budgeting

Ah, summertime. A season of sun-soaked adventures, carefree moments, and well-deserved relaxation....

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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!