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Articles About Debt

4 Useful Tips to Help You Conquer Financial Phobia

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Posted in: Debt

Have you ever avoided your mailbox because you don’t want to deal with your credit card bills? Do you feel anxious when someone brings up the topic of money around you? Does the thought of balancing your checkbook make your stomach turn? If so, you may suffer from a mild version of financial phobia. Financial
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10 Ways To Set Yourself Up for Financial Success in 2018

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Posted in: Debt

No matter the current status of your finances, there’s always room for improvement. It’s common for people to change their long term financial plan as they get closer to retirement, but it’s also important to revise your financial strategy in the short term to help address current concerns or reach new goals in the new
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7 Ways to Talk with Someone About Getting Debt Help

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Posted in: Debt

Money is about more than the dollars in a bank account—it’s about emotions. Think about how an unexpected medical bill or a car repair might make someone feel panicked, embarrassed, or depressed. If you know someone who is dealing with stressful finances, you might feel helpless in watching them struggle. Talking about someone else’s financial debt is
Read more 7 Ways to Talk with Someone About Getting Debt Help

What You Need to Know About Your Debt to Income Ratio

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Posted in: Debt

If you’ve ever applied for a mortgage or loan, you may have heard the term debt to income ratio. But you may not have learned what it really means, let alone how to calculate it or how it has to do with the rest of your finances. Debt to income ratio might sound like an
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10 Holiday Shopping Debt Traps You Need to Avoid

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Posted in: Debt

Tis the season … to not overspend. As the festivities begin, it’s easy to be merry and want to bring joy by being a giver of gifts. In fact, the average American consumer will spend $935 these upcoming holidays. That’s a lot of presents! However, if you keep your presence of mind, you’ll be able
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5 Not-So-Smart Ways to Pay Off Debt

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Posted in: Debt, Debt Consolidation, Debt Options

Debt payoff is a great goal—whether it’s student loans or credit cards, eliminating what you owe can help you feel free. Any effort to pay off debt is worth the work, yet some types of repayment might make your debt problem worse. As you take control of your debt, learn the repayment tactics to avoid
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5 Tactics You Need to Know to Tackle Medical Debt

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Posted in: Debt

Did you know that one in four Americans currently struggles with medical debt? Although 8.8% of Americans—that’s over 28 million citizens—don’t have health insurance, even those with medical insurance often end up paying out of pocket for significant medical expenses. In fact, 63% of insured Americans report using up all or most of their savings
Read more 5 Tactics You Need to Know to Tackle Medical Debt

4 Facts That Could Help You Keep Old Debt in the Past

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Posted in: Credit Cards, Debt, Debt Settlement, Money, Uncategorized

Here’s some good news for people with old, unpaid debt: your debt may have already expired under the statute of limitations! Expired debt, also known as time-barred debt, zombie debt, or out-of-statute debt, could be harder for creditors to collect. That doesn’t mean they won’t try to get you to pay it back, though. The
Read more 4 Facts That Could Help You Keep Old Debt in the Past

4 Proven Ways to Get Rid of Money Stress

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Posted in: Debt, Debt Relief, Goals, Money

Worrying about money problems and debt is unfortunately pretty common. Covering your monthly bills could make you anxious enough, but what if you suddenly need to pay for car repairs or some other expenses you hadn’t budgeted for? Stress and money can go hand in hand…which could have serious implications on your mental outlook. A
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6 Ways to Plan for a Debt-Free Holiday

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Posted in: Budgeting, Credit Cards, Debt, Money

The holiday season is fast approaching and with it come the feasting, festivities, and financial obligations many of us have come to dread. According to Gallup, Americans will spend an average of $830 this year on gift giving. This figure will increase if you’re a parent: playing Santa can cost between $400 to $500 per
Read more 6 Ways to Plan for a Debt-Free Holiday

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