Reducing Debt
Overwhelmed with debt? Find out how the impact of debt on your credit and how you can start taking the steps necessary to reduce your debt.
Student Loan Forgiveness Programs
Student loans are a heavy burden for many college graduates. There are many student loan forgiveness programs that might eliminate some or all of your student loan debt.
Student loans are a heavy burden for many college graduates. There are many student loan forgiveness programs that might eliminate some or all of your student loan debt.
10 Best Credit Card Payoff Calculators
If you want to know how long it will take you to pay off your credit card debt, or how much you need to pay to get rid of your debt faster, a credit card payoff calculator is what you need. There are hundreds of these calculators on the internet. Here are the best of them.
If you want to know how long it will take you to pay off your credit card debt, or how much you need to pay to get rid of your debt faster, a credit card payoff calculator is what you need. There are hundreds of these calculators on the internet. Here are the best of them.
How to Choose a Credit Consolidation Loan
Credit consolidation loans can be used to pay off your credit card debt. But, these loans vary in amount, repayment period, and interest rates. When you're ready to get a new credit consolidation loan, make sure you shop around for the best loan.
Credit consolidation loans can be used to pay off your credit card debt. But, these loans vary in amount, repayment period, and interest rates. When you're ready to get a new credit consolidation loan, make sure you shop around for the best loan.
10 Reasons Your Budget Isn't Working
Using a budget to manage your money is key to paying off your debt. But, budgets don't always seem to work. The numbers don't match up and somehow you always manage to spend more than you budgeted for. Here's a secret: many problems with budgeting aren't about the actual budget at all. Here are come of the common reasons budgets don't work and how you can get your budget on track.
Using a budget to manage your money is key to paying off your debt. But, budgets don't always seem to work. The numbers don't match up and somehow you always manage to spend more than you budgeted for. Here's a secret: many problems with budgeting aren't about the actual budget at all. Here are come of the common reasons budgets don't work and how you can get your budget on track.
5 Habits to Change Before You Get out of Debt
Going from deep-in-debt to debt-free isn't necessarily a quick or easy process, but it's doable. It starts with changing the way you think about debt. If you want to get out of debt and stay out, these are some things you must do.
Going from deep-in-debt to debt-free isn't necessarily a quick or easy process, but it's doable. It starts with changing the way you think about debt. If you want to get out of debt and stay out, these are some things you must do.
How to Lower Your Debt-to-Income Ratio
As your debt-to-income ratio rises above 36%, you risk becoming overloaded with debt. Find out how you can lower your debt to income ratio and ease your financial burden.
As your debt-to-income ratio rises above 36%, you risk becoming overloaded with debt. Find out how you can lower your debt to income ratio and ease your financial burden.
What's a Credit Card Debt Snowball?
The credit card debt snowball is a method of paying off your credit cards in order of lowest interest rate to highest interest rate. The theory is that paying low balances quickly will help build momentum in your debt pay off.
The credit card debt snowball is a method of paying off your credit cards in order of lowest interest rate to highest interest rate. The theory is that paying low balances quickly will help build momentum in your debt pay off.
What Order Should I Pay Off My Credit Cards?
Paying off your credit cards is easier when you only have one or two credit cards. Figuring out the order to pay your credit cards gets harder when you have several credit cards. The simplest method is to pay off highest interest rate credit cards first, but there are several other ways you can order your credit cards, too.
Paying off your credit cards is easier when you only have one or two credit cards. Figuring out the order to pay your credit cards gets harder when you have several credit cards. The simplest method is to pay off highest interest rate credit cards first, but there are several other ways you can order your credit cards, too.
What's the Fastest Way to Pay Off My Credit Cards?
Want to pay your credit cards off quickly? If you have the funds, you can get rid of your credit card debt as early as today. All you have to do it pay your credit card balances in full.
Want to pay your credit cards off quickly? If you have the funds, you can get rid of your credit card debt as early as today. All you have to do it pay your credit card balances in full.
How Do I Start Paying My Credit Card Debt?
When you've decided to pay off your credit card debt, the first thing you should do is create a household budget to help manage your expenses.
When you've decided to pay off your credit card debt, the first thing you should do is create a household budget to help manage your expenses.
Why should I pay off high interest rate credit cards first?
When you're paying off your credit card debt, it's a good idea to pay high interest rate credit cards off first. That's because that high interest rate debt costs more.
When you're paying off your credit card debt, it's a good idea to pay high interest rate credit cards off first. That's because that high interest rate debt costs more.
U.S. National Debt Clock
The National Debt Clock was installed in 1989 to display the United States' total amount of debt and each family's share. The clock is the size of a billboard and is displayed near 44th Street in Manhatten, New York.
The National Debt Clock was installed in 1989 to display the United States' total amount of debt and each family's share. The clock is the size of a billboard and is displayed near 44th Street in Manhatten, New York.
Save Your Home With the Hope for Homeowners Program
The Hope for Homeowners Program will help homeowners save their home from foreclosure by allowing them to refinance their mortgages into more affordable, government insured mortgages.
The Hope for Homeowners Program will help homeowners save their home from foreclosure by allowing them to refinance their mortgages into more affordable, government insured mortgages.
Tax Form 1099-C For Reporting Cancelled Debt
When a lender cancels your debt, you may have to report this as taxable income on your federal income taxes, unless there is an exception. If you're required to report the cancelled debt, the lender will send IRS Form 1099-C to you.
When a lender cancels your debt, you may have to report this as taxable income on your federal income taxes, unless there is an exception. If you're required to report the cancelled debt, the lender will send IRS Form 1099-C to you.
Make a Budget
Making a budget is the first step to paying off your debt. You won't be able to get out of debt and stay out if you're not good at managing your money.
Making a budget is the first step to paying off your debt. You won't be able to get out of debt and stay out if you're not good at managing your money.
Why a Budget is a Good Debt Management Tool
Not having a budget can ruin your plans to get out of debt. If you're not already in debt, the lack of a budget can get you there.
Not having a budget can ruin your plans to get out of debt. If you're not already in debt, the lack of a budget can get you there.
Two Credit Card Payback Methods That Work
Stumped on how to pay back your credit card debt. Here are two methods that will work.
Stumped on how to pay back your credit card debt. Here are two methods that will work.
5 Reasons You Shouldn't Use A 401(k) Loan to Pay Debt
Many people think of their retirement accounts simply as harder-to-access extensions of their savings or checking. So when they’re in a financial bind, they don’t really think twice about using their 401(k). They think, “It’s my money. I can do what I want with it.” That may be true, but there are some repercussions to doing “what you want with it.”
Being in debt is an ov…
5 Stupid Ways to Pay Off Your Debt
The easiest way to recognize a “stupid” debt repayment method is to think about whether the debt is actually paid off when the method’s complete. As you think about ways to get rid of your debt load, ask yourself, “Is this just a quick, easy solution to tide me over or will this really, once and for all, get rid of the debt?” Here are some of the worst (and most costly) ways to …
The easiest way to recognize a “stupid” debt repayment method is to think about whether the debt is actually paid off when the method’s complete. As you think about ways to get rid of your debt load, ask yourself, “Is this just a quick, easy solution to tide me over or will this really, once and for all, get rid of the debt?” Here are some of the worst (and most costly) ways to …
Declare Your Independence From Debt
Debt will continue to plauge your life until you do something about it. Here are the steps to take to get out of debt and stay out.
Debt will continue to plauge your life until you do something about it. Here are the steps to take to get out of debt and stay out.
5 Ways to Lower Your Debt Payments
If your debt looks like a mountain and your budget feels like a shovel, you probably feel like it will take a miracle to get rid of your debt for good. The miracle you need might lie in one of these five ways to lower your debt payments. Start at the top of the list and work your way down. At least one of these, possibly two or three, will work in your favor and help you get those debt payment…
If your debt looks like a mountain and your budget feels like a shovel, you probably feel like it will take a miracle to get rid of your debt for good. The miracle you need might lie in one of these five ways to lower your debt payments. Start at the top of the list and work your way down. At least one of these, possibly two or three, will work in your favor and help you get those debt payment…
Student Loan Repayment Options
After you graduate college, you typically have a six month grace period before you have to start paying back your student loans. Before you have to start making payments, you should consider the repayment options available to you. If your loan is already in repayment and you're having trouble making payments, you might be able to lower your payments by changing your payment plan.
The…
How to Get the Money to Get Out of Debt
Making the decision to get out of debt is one thing. Coming up with the money to do it is another. Tap into all the resources you can to fund your get out of debt plan.
Making the decision to get out of debt is one thing. Coming up with the money to do it is another. Tap into all the resources you can to fund your get out of debt plan.
How To Take Advantage of Federal Interest Rate Cuts
When the Feds cut interest rates, it could be good news for paying off your credit cards and loans. Find out how to take advantage of lower interest rates.
When the Feds cut interest rates, it could be good news for paying off your credit cards and loans. Find out how to take advantage of lower interest rates.
Smart Ways to Spend Your Tax Rebate
A tax rebate can never come at a bad time. The only hard thing about getting free money is deciding how to spend it. You could always blow it on some gadget you'll forget about in a month. Or, you can spend your tax rebate on something that will benefit you in the long run - like, your finances. If you're due a rebate, here are some smart ways to spend it that will improve your credit and red…
A tax rebate can never come at a bad time. The only hard thing about getting free money is deciding how to spend it. You could always blow it on some gadget you'll forget about in a month. Or, you can spend your tax rebate on something that will benefit you in the long run - like, your finances. If you're due a rebate, here are some smart ways to spend it that will improve your credit and red…
Book Review: Did You Buy the American Dream or Does it Own You
Review of the book Did You Buy the American Dream Or Does It Own You by Jean Marie Rhall
Review of the book Did You Buy the American Dream Or Does It Own You by Jean Marie Rhall
2008 Credit/Debt New Year's Resolutions
Most New Year's resolutions involve improving health or getting rid of a bad habit. Don't forget about improving your financial health and your bad credit habits in the new year.
Most New Year's resolutions involve improving health or getting rid of a bad habit. Don't forget about improving your financial health and your bad credit habits in the new year.
Recovering From Holiday Debt
Shocked by massive holiday debt? Start taking steps to pay off your holiday debt before the next holiday season comes.
Shocked by massive holiday debt? Start taking steps to pay off your holiday debt before the next holiday season comes.
How To Calculate Your Debt To Income Ratio
Your debt to income ratio indicates your level of debt. Learn how to calculate and analyze your ratio.
Your debt to income ratio indicates your level of debt. Learn how to calculate and analyze your ratio.
TrackCards Review - Review of TrackCards Credit Card Management Tool
An online tool that helps you figure manage and track your credit card debt
An online tool that helps you figure manage and track your credit card debt
Making a Plan to Get Out of Debt
Successful debt reduction starts with a plan. Learn how to put together a plan to get out of debt, decide which debts to focus on, and how to create a budget to get out of debt.
Successful debt reduction starts with a plan. Learn how to put together a plan to get out of debt, decide which debts to focus on, and how to create a budget to get out of debt.
Managing Debt - Do You Have Too Much Debt?
How to tell if your debt load is just right or too large.
How to tell if your debt load is just right or too large.
Managing Your Debt on the Internet
Find out how to make managing your debt easier than ever by using the internet.
Find out how to make managing your debt easier than ever by using the internet.
Debt Reduction for Students
Eliminate your debt faster by reducing the amount you owe. Find out how to do this on your own or with the help of a debt reduction service.
Eliminate your debt faster by reducing the amount you owe. Find out how to do this on your own or with the help of a debt reduction service.