Credit & Debt

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How to Bounce Back From Credit Disaster

A reader named Val wrote me after a stint of unemployment left her drowning in medical bills, student loan debt and collection accounts. She was working again, but the pay wasn’t great and she wondered if her credit would ever recover. “I have no...

How To Avoid A Lifetime Of Debt

Stress no more about your credit card debt! Here’s how you can successfully avoid a lifetime of debt.

The Secret Numbers as Important as Your Credit Score

From the moment we’re born, we’re ranked. In the delivery room we get an Apgar score. Doctors give us percentile rankings for height and weight. Schools test us constantly. FICO scores measure our creditworthiness. But you’re ranked another way...

Credit Card Calculator
Free credit card payoff calculator by Bankrate.com

The Truth About Debt Consolidation

When it comes to personal finance, I’m a strong believer in simplicity. Although I’m still trying to break the habit of claiming to be bad at math, I know that the more complicated my financial plan is, the less likely I’ll be sticking to it. ...

How One Couple Wiped Out a $125,000 Debt

What do you do when you are faced with a six-figure debt — mostly because of credit cards? No cable television and no eating out, obviously. And that’s just for starters. Two weeks before Christmas of 2004, Kandy Hildebrandt opened a letter...

How I Paid Off $14,000 in Just Over a Year

If you have a large income or the ability to create an extra disposable salary, getting out of debt can seem easily in reach. But not everyone has the time or capacity to take on another job, or increase their income through other means. So, how...

The One Trick You Need to Pay Off Your Student Loans Faster

The question at the top of many people’s minds is: How can I pay my student loans off faster? Yet all some experts seem to want to talk about is why it’s unwise to take out student loans in the first place. To someone who already went to college...

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