Self-Help Articles

In today’s fast-paced world, financial challenges can arise unexpectedly, leaving many individuals and families struggling to meet their financial obligations. Credit card debt, in particular, can become overwhelming, leading to stress and financial instability. Fortunately, there are solutions available to help alleviate this burden, one of which is the credit card hardship program. In this […]

Hey there! Today, we’re going to chat about an interesting way to potentially handle sky high credit card debt by using a personal loan to pay off credit card debt. If you’ve ever felt like your credit card bills are piling up, don’t worry—you’re not alone! Let’s explore how a personal loan can help you

Hey there! Let’s talk about something that could change your life for the better: getting debt help. You might have maxed out your credit cards and have significant amounts of debt, maybe it sounds a bit scary and is dragging you down. But don’t worry! We’re going to explore what types of debt help are

Are you thinking about joining a debt consolidation program? It might be a fantastic way to help manage your finances, but it’s crucial to understand what you’re getting into. Sometimes, advertisements and marketing materials can make people feel like they urgently need a debt consolidation program. Before you dive in, it’s important to consider how

Managing debt can feel like climbing a mountain, but with the right strategy, you can reach the summit and enjoy the view of financial freedom. One effective method to tackle debt is the “Debt Avalanche” approach. In this guide, we’ll explore what the Debt Avalanche is, how to use it, and provide detailed examples of

Imagine that life has thrown you into a complex maze, filled with perplexing twists and turns. Suddenly, a helpful guide appears, expertly leading you toward the exit. This is what credit counseling services aim to do for your financial journey—they act as a guiding light for individuals tangled in debt and seeking a way to

Hello there! Have you ever pondered the dangers of credit cards? Those seemingly magical pieces of plastic can sometimes hide some sneaky traps. Let’s explore why these plastic pals can sometimes be more like tricksters than trusty companions! Credit Cards: Convenient Companions or Secretive Schemers? Credit cards feel like lifesavers, right? Forget cash or checks—just

What is American Credit Counseling? American credit counseling is like having a wise friend who knows a lot about money and is eager to help you make smart financial choices. Imagine you’re building a LEGO city, but you keep misplacing blocks and your city isn’t quite as sturdy as you’d like. A credit counselor is

Getting out of debt can be tough, but with the right steps, you can achieve financial freedom. This guide will explore some simple and effective ways to help you find American debt relief and live a happier, stress-free life. What Is American Debt Relief? American debt relief is all about finding ways to reduce or

Searching for advice on “debt reduction” is like opening a Pandora’s box of opinions. While some swear by the snowball method, tackling smaller debts first, others advocate for prioritizing high-interest debt to save on costs. Regardless of the method, mastering debt reduction requires a few common sense strategies. Revamp Your Spending Habits A fundamental mistake

Ladies and gentlemen, it’s time to take control of your financial destiny! Today, let’s talk about something incredibly powerful – how to get out of debt. We’ve all been there, feeling the weight of those bills, the stress of not knowing how to make the next payment. But I’m here to tell you, there’s a

Hey there, debt-busters! Welcome to our epic guide on how to kick credit card debt to the curb and reclaim your financial mojo. Let’s face it, those pesky credit card balances can feel like they’re multiplying faster than rabbits at a magic show. But fret not! We’ve got your back with seven battle-tested strategies to

So, you’ve got your eye on a new car. Or you want to finish your college education. Or you’re celebrating a wedding anniversary with a lavish European vacation. If you’re like most of us, you don’t have the cash to shell out for such expenses – which means you’re going to have to save up.

A credit score is a number that helps lenders predict how likely you are to repay a loan on time. Banks and other lenders look to your credit score to decide whether to lend you money – be it a mortgage, a line of credit, a credit card, or some other form of loan. Your

You surely know all about the values of a personal budget. We’ve said it before, and we’ll say it again: Budgeting builds financial stability – both day-to-day and long-term. Tracking your expenses and following a spending plan makes it easier to pay your bills on time, build your emergency fund, and attain your life goals.

If you are in debt, you may feel like you are running on a treadmill: Every month, you pay a little to this credit card, a little to that loan, and eventually, you feel like you are getting nowhere. It doesn’t have to be that way if you are proactive and get a debt repayment

If you’re reading this article, you either a.) have an emergency fund and want to check if you’re “doing it right,” b.) intend to set one up and need advice, or c.) never heard of an emergency fund and got scared that you’re missing out. (FOMO, anyone?) For your sake, we hope you fall into

Most people understand that having bad credit can negatively affect their ability to borrow at a decent interest rate. But a recent study conducted by Nerd Wallet shows that most people don’t fully understand how a bad credit score can affect their everyday lives. And while it’s true that having bad credit can make your

If your credit is in good standing and you don’t fall behind on your debt payments, you might never encounter the term “charge-off.” But if you fell behind on payments for a credit account, your lender might contact you to inform you that your debt has been charged off. Hmmm… this sounds innocuous. So is

Good debt vs bad debt? Not all debt is created equal. In fact, some debt can make you more financially stable, while other types of debt can sink you further into a financial hole. If you’re looking to get your financial life in order, you must understand the difference between “good” debt and “bad” debt

Are you constantly wondering where all your money is going? You are not alone if you try to budget but seem to fall off the wagon most months. According to a recent study, over 55% of Americans do not track where they spend their money. Creating a budget and sticking to it are two completely

When looking for a loan, many borrowers opt for the fastest and easiest way to get their hands on the cash. But that approach might make you prey to predatory lenders. What are predatory lenders, you ask? More importantly, how do you avoid them? What Are Predatory Lenders? A predatory lender puts profits above their

Have you recently graduated from college? Congratulations on your huge accomplishment! No doubt you’ve received countless tips for venturing out into “the real world” – but here are some specific pointers we’ve compiled to ensure your financial future. Whether you have a job lined up or not… whether you have a 10-year plan or not…

Have you ever wondered why some people are so good at budgeting and managing their finances, while others can’t seem to make ends meet, no matter how much money they earn?  Surprisingly, the way we think about money – along with our past financial experiences – plays an important role in how we manage our

When most people think of a credit card, they imagine a card that allows them to charge things now by taking out a temporary “loan” from the credit card issuer and paying it back later. These are known as unsecured credit cards. But they aren’t the only option. If you’re building – or rebuilding –

We’ve said it before, and we’ll say it again: Credit cards can be powerful and useful tools in your financial repertoire – but only if you know how to use them responsibly. Otherwise, overindulging on credit card spending can send you into a tailspin of financial woes. Whether you’ve just gotten your first credit card

Credit cards are useful tools – if used correctly. Unfortunately, it’s all too easy to find yourself in debt after only using your card for a short time. Why do people so quickly fall into credit card debt? Let’s talk about how to avoid these 6 credit card debt traps: 1. Not Having a Budget

If you have more than one credit card, you hopefully reviewed your options before choosing the one(s) that best fit your lifestyle. But you might not have considered just how many different types of credit cards are on the market today. Let’s consider the basics of 9 different types of plastic. The following three types