Money Tips & Resources ✍

What Can Be Used as Collateral for a Personal Loan?

by | 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...
Read More

Does Debt Consolidation Affect Buying a Home?

by | 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...
Read More

How Buy Now Pay Later Plans Impact Your Credit 

by | 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...
Read More

How Does a Balance Transfer Affect Your Credit? 

by | 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...
Read More

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

by | 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...
Read More

6 Signs Financial Coaching Is Right for You 

by | 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...
Read More

What Does “Charged Off as Bad Debt” Mean?

by | 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...
Read More

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

by | 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...
Read More

How to Get Out of Medical Debt 

by | 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...
Read More

How Many Credit Cards Are Too Many?

by | 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...
Read More

What Happens if You Miss a Car Payment?

by | 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...
Read More

What to do If a Debt Collector Calls You

by | 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...
Read More

How to Pay Off Debt Fast 

by | 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...
Read More

How Can Credit Cards Help Your Credit Score? 

by | 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...
Read More

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

by | 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...
Read More

What Makes a Good Credit Score?

by | 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...
Read More

How Do Medical Bills Affect Your Credit?

by | 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...
Read More

What Is the Best Way to Pay Off Credit Card Debt?

by | 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...
Read More

Quadpay (Zip): Is Paying Later Worth It?

by | 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...
Read More

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

by | 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...
Read More

Search our resources:

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

Credit & Debt provides answers to all of the financial questions life may throw at you. Explore our articles and videos below to find answers.