• pay-yourself

    Six Ways to Pay Yourself First

    It’s nearly impossible to read a savings or budgeting blog without coming across the phrase “pay yourself first.”  And there’s a good reason that this is such a popular piece of advice:  By “paying” yourself — in other words, setting aside a specific amount of money out of each...
  • talking-to-creditors

    When Debt Collectors Call: Do’s and Don’ts

    When Debt Collectors Call: Do’s and Don’ts When you get behind on your bills, few things are as stressful as a phone call or letter from a debt collector.  But while turning a blind eye to those calls and letters might seem like a way to ease the anxiety,...
  • sharks-insuites

    Predatory Lending Scams and Fast Cash Gimmicks to Avoid

    Predatory Lending:  Scams and Fast Cash Gimmicks to Avoid It’s a sad fact that there’s always someone out there looking to take advantage of folks experiencing money woes or debt problems.  From short-term loans with astronomical interest rates to less-than-legit prepaid credit card offers, there’s no shortage of predators out...
  • credit-score

    How to Boost your Credit Score with a Secured Card

    The frustrating thing about credit cards is that, in order to get a credit card, you have to have reasonably good credit.  But the only way to build a solid credit history is by establishing a pattern of responsible credit card use. See the dilemma?  If you have bad...
  • debt-management-success

    What is a Debt Management Plan? And is it Right for You?

    Wouldn’t it be great if it were as easy to get out of debt as it is to get into debt?  All it takes is a few months of overspending to create a mound of debt that can take decades to pay back.  There’s no quick fix when it...
  • bad-choices

    8 Worst Debt Pay Off Tactics

    Paying off credit card is always a good thing – but when it comes to how you pay off your credit card, not all payment methods are created equally.  Some payment methods should be used with extreme caution.  Some should be avoided altogether – even if you have to...
  • maxed-out-credit-cards

    Maxed-Out Credit Cards? Advice for Undoing the Damage

    One of the worst parts about credit card debt is that, if you’re not careful, it can creep up on you:  You start out with the best intentions.  You plan to pay off your credit card in full every month.  You plan to treat your credit card like cash,...
  • consolidation-loans

    Pay Off Credit Card Debt with a Debt Consolidation Loan

    If you’re struggling with loads of high-interest credit card debt, there’s a good chance that you’ve at least thought about taking out a debt consolidation loan.  And, I understand the appeal of a consolidation loan, especially if you’re juggling multiple credit cards with hefty balances. But is a consolidation...
  • taking-on-debt

    Should You Take on Debt? How to Decide

    Should You Take on Debt?  How to Decide It might surprise you to know that I’m not 100 percent anti-debt.  As someone who has made a career out of giving debt advice, I know that debt problems can be devastating – especially when there’s high-interest credit card debt involved. But...
  • balance-transfers

    Credit Card Balance Transfer Pros and Cons

    If you’re carrying a substantial amount of credit card debt, there’s a good chance that you’ve probably at least considered using a credit card balance transfer to pay off credit card debt that have high interest rates.  And with good reason: With super-low interest rates, balance transfer offers can...