author

Cole Tretheway

Financial writer

Cole is a freelance writer. He’s written hundreds of useful articles on money for personal finance publications like The Motley Fool Money. He breaks down complicated topics, like how credit cards work and which brokerage apps are the best, so that they’re easy to understand.

Budget billing graphic
What Is Budget Billing? A Guide to How It Works

December 4, 2025

Skip the bill shock—budget billing keeps your utility payments steady month after month.

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Lowest Credit Score
What Is the Lowest Credit Score?

November 15, 2025

While very rare, the lowest possible credit score is 300. However, any credit score under 500 is low and under 580 is sub-prime.

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Convenient Alternatives to Credit Cards
Convenient Alternatives to Credit Cards

December 1, 2025

Stay secure and in control of your money—see the best credit card alternatives for debt- and stress-free spending.

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5 Smart Ways to Spend Your 2020 Tax Refund
5 Smart Ways to Spend Your Tax Refund

November 29, 2025

There are so many things you can do with a tax refund, but what should…

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9 Amazing Ways to Save $300 Every Month
9 Amazing Ways to Save $300 Every Month

November 29, 2025

Obeying these 9 budget rules can help you save $300 a month – or more!…

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7 Smart Ways to Use Your Credit Cards in a Recession
7 Smart Ways to Use Your Credit Cards in a Recession

November 15, 2025

Credit cards can help you, rather than hurt you in a recession, as long as…

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Credit card debt forgiveness for disabled
Credit Card Debt Forgiveness for Disabled Individuals: Complete Guide [2025]

November 29, 2025

There’s a good chance your disability income is safe from creditors, even if they win a judgment against you.

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7 Budget Basics Your Teenager Should Know
7 Budget Basics Your Teenager Should Know

November 17, 2025

It is never too early to teach money skills. Learn seven essentials of using a…

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7 Smart Ways to Pay off Student Loans
9 Smart Ways to Pay off Student Loans

December 1, 2025

Learn how to pay off student loans in seven smart and effective ways that maximize…

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3 Ways to Pay Off Holiday Credit Card Debt Fast
3 Ways to Pay Off Holiday Credit Card Debt Fast

November 29, 2025

It’s easy to find yourself swamped by debt, especially after the holidays. If you’re wondering…

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