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.

What You Need to Know Before You Open a New Credit Card

by Madison Ervin | Credit

Opening a new credit card can be a great way to build your credit history and earn rewards for...

How Can Credit Cards Help Your Credit Score?

by Madison Ervin | Credit

In today's financial landscape, your credit score holds the power to make or break your financial...

6 Smart Ways to Use Your Tax Refund

by Madison Ervin | Budgeting

Are you receiving a tax refund? Before you start planning a shopping spree, consider putting that...

What is the Relationship Between Credit and Debt?

by Madison Ervin | Budgeting, Credit

Do you know the relationship between credit and debt? How each play a part in supporting your...

How To Manage Your Credit Card Payments?

by Madison Ervin | Budgeting, Credit

Total credit card debt set a record of $930.6 billion last year, according to CNBC. Managing...

How to Break Up with Your Debt

by Madison Ervin | Debt

Are you stuck in a relationship with your finances – or lack thereof – and often thinking about...

What to Look For in a Debt Payoff App

by Madison Ervin | Budgeting, Debt

Most people have debt. And figuring out how to pay it off can be a huge challenge. There are lots...

5 Reasons You Need a Personal Finance App

by Madison Ervin | Budgeting, Debt

Personal finance management has become increasingly easier with convenient, simple-to-use apps for...

At What Age Can I Get a Credit Card?

by Abigail Masterson | Credit

Building good credit is one of those things in life that just seems so “adult.” And it’s...

Are Emergency Same Day Loans a Bad Idea?

by Abigail Masterson | Loans

Financial emergencies often happen quickly and unexpectedly. When you don’t have the cash you...

How to Plan and Save Money for a Family Vacation

by Abigail Masterson | Budgeting

Family vacations create some of the best memories you and your loved ones could ever experience...

How Much to Budget for Vacation – Free Vacation Budget Worksheet

by Abigail Masterson | Budgeting

Going on a vacation can relieve built-up mental and physical stress. You don’t want to ruin that...

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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!