Juggling multiple credit cards, loans, and other debts can feel like spinning plates: stressful and exhausting. Debt consolidation lets you roll everything into a single, manageable payment, giving you a chance to save money, breathe easier, and even improve your credit score. Keep reading to see how consolidating your debt could be the game-changer your finances need. Consolidate the Chaos If you roll your debts into a personal loan, your monthly payment could end up smaller than the total of all your current bills. Start by adding up what you normally pay each month on credit cards, loans, and even money owed to family or friends. Then, compare that total… read more »

You and debt are so over. You’ve just about had it with those endless piles of credit card bills and those hideous numbers that never seem to get any lower. It’s time to kiss that debt goodbye! Getting rid of high debt will take hard work, willpower and the determination to see it through until the end, but it is doable. Here, we’ve outlined six steps to help you start crushing debt today. Step 1: Choose your debt-crushing method There are two approaches toward getting rid of debt: The snowball method, popularized by financial guru Dave Ramsey, involves paying off your debt with the smallest balance first and then moving to the… read more »

You may be just graduating high school heading into college, purchasing your first home, retiring or looking to buy your dream car. No matter where you are in your life, odds are you will need your credit checked at some point. But you may have heard the simple saying “how can I build credit, if my credit score is low and I do not have the chance to?” This old paradox has left many individuals confused, frustrated and downright angry. Credit scores have always been difficult waters to navigate, but with proper guidance, you can set sail on a financially healthy life. What is a credit score? In order to… read more »