Debt consolidation loans sound like a clean solution. One loan, one payment and one interest rate rather than dealing with multiple due dates, different interest rates and worrying which balance to pay first. On paper, it seems like an organized and responsible option. And for some people, it can be helpful. But consolidation loans also […]
Category Archives: Debt Management
Most people don’t avoid learning about credit because they’re irresponsible. They usually avoid it because it’s just not a pleasant thing to think about. The whole topic of credit is often associated with fear, judgement and some vague criteria that don’t actually explain anything. And, most credit “advice” sounds like it’s coming from somebody who […]
A lot of people are confused right now, and not because they’re bad with money. Most of us are working basically the same job, earning about the same amount of money and purchasing pretty much the same things we always have. But, somehow paychecks don’t seem to stretch quite as far as they used to. […]
If you’re dealing with debt and things start to spiral out of control, the first instinct is, often, to look to the future. You start thinking about what next month is going to look like or how you can fix your financial issues in the next year. Unfortunately, that’s where most people go off the […]
17
Dec
Dec
There’s debt that’s stressful, and then there’s debt that has gone on long enough that you’re just exhausted. When you’ve been juggling bills, watching balances barely move, and living with a constant undercurrent of financial pressure, there’s a point where you don’t just feel stressed — you feel burned out. Burnout changes the entire game. […]
02
Dec
Dec
If you’ve reached the point where handling debt on your own isn’t working, hiring a debt resolution company can be a smart move — but it can also go very wrong if you pick the wrong one. This industry is full of legitimate companies that genuinely help people get back on their feet. It’s also […]
21
Nov
Nov
If you’re living paycheck to paycheck like so many other Americans, you already know that most financial advice sounds like it’s coming from someone who has never been in your shoes. They say stuff like “Just build an emergency fund.” “Put an extra $200 toward your debt each month.” Sure. Those are great ideas… if […]
18
Nov
Nov
Getting out of debt is one of those things everyone talks about but few enjoy doing. The usual advice… budget, pay more than the minimum, snowball or avalanche your balances… is solid, but it’s also predictable and easy to put off. That’s where automation comes in. With the right apps and a few smart setups, […]
18
Nov
Nov
Being in debt is frustrating and the feeling of guilt can be overwhelming. It all adds up… every bill, every late fee, every time you swear up and down that this month will be different. But, somehow, you always seem to find your way right back to where you started. It can be so easy […]
21
Oct
Oct
Staying Out of Debt After Paying It Off When you finally pay off your debts, it feels like you’ve just gone the distance with a heavyweight fighter. Some of the stress fades, your credit score increases, and you promise you’ll never fall back into that trap. Then life happens and, before you know it, old […]