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5 Ways to Consolidate Credit Card Debt
Lead Writer | Buy now, pay later loans, debt consolidation, personal loans
Lead Assigning Editor | Consumer lending
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
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Many people struggle with credit card debt at one point or another, and the higher your balances, the harder it can be to pay them off, especially when you consider compounding interest.
Consolidation is a way to move high-interest debt onto a lower-interest product, like a balance transfer credit card or a credit card consolidation loan, which then makes it easier to pay off. But this strategy isn’t for everyone, and you should weigh your consolidation options carefully.
The best choice will depend on how much debt you have, your credit score and other factors explained below.
on SoFi's website
on SoFi's website
Best ways to consolidate credit card debt
Here are five effective and safe ways to pay off your credit card debt:
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- Weigh your family’s medical needs
- 2. Medical records management
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- Technology errors and omissions
- Primary vs. secondary insurance coverage
- Maintenance and repair costs
- Want to compare the best of the best?
- Disadvantages of a lady bird deed
- Credit Karma
- 3. Email customer service
- Cash reserves
- 20% of your income: savings and debt
- Only certain types of transfers are allowed
- HMBradley
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- You often borrow other people’s cars
- Company assets
- Where Trust Wallet shines
- 8. Cinnabon
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- 4. Anytime Fitness
- Capital One
- Existing business
- High annual fees or poor customer service
- Our pick for: Speedy rewards
- Parents or grandparents with dependents
- Disney California Adventure
- Hotel points work a little differently
- 3. Choose how much you want to invest
- Best Western Plus Casino Royale-Center Strip
- Event and travel fees will be more transparent
- Warranty
- MyLowe’s Rewards Credit Card
- Does basic economy get a carry-on on United?
- For a service-based business
- Preparation and packing
- CD maturity date
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- 2. Document your charitable contributions
- 2. Trust in diversification
- DFW Terminal A
- 4. Compare lenders
- Chubb
- Pay off the loan faster
- 5. Make a deposit to your new account.
- Merchandise
- Avoid strapless tops or tank tops
- EARN MORE POINTS WITH A MARRIOTT BONVOY CREDIT CARD
- Operations and management
- 4. Sell lemonade in the summer or hot cocoa in the winter
- Senior miners
- JetBlue Airways
- 3. Decide how much to invest in Berkshire Hathaway stock
- 3. You can get United TravelBank credits by holding an IHG card
- Don’t want to create a Venmo account?
- From the manufacturer
- Commissions
- 3. Stay invested with the "buy and hold" strategy
- Total private
- Founders First Job Creators Quest Grant
- Advantages of sticking with one bank
- Step 2. Reinvest each CD when it matures
- 2. ADP
- Step 4: Project details
- 4. A 25% boost when redeeming for travel via Chase
- 2. Consider whether you should buy Netflix stock
- Income-producing investments
- Avis President's Club
- Access to hundreds of integrations
- Property size and complexity
- VA cash-out refinance
- Submit a paper FAFSA
- Unexpected expenses
- Pay off debt
- Fidelity Investments
- Bank of America® Premium Rewards® Elite credit card
- 4. Microstrategy Inc.
- Intro APR and balance transfer period
- Delta Sky Club
- Prepaid items
- Unlimited music streaming
- DTI ratio examples
- Find an in-network ATM abroad
- 3. Create a financial plan
- The cons
- How much does an abortion pill cost?
- When the statement balance and current balance are different
- 4. Fund your account and get started
- How often you travel
- You have a lifelong dependent, such as a child with a disability
- Wood-destroying organism (WDO) inspection
- 3. Set up balance alerts to stay on top of spending
- 3. How they’re traded
- 5. Expand your network
- Fly on the holidays (or as far from it as possible)
- 2. Choose an investment account
- Economic Development Administration
- Medicare Part D IRMAA in 2024
- Upgrade priority
- Earning rates
- 4. Consider your spouse
- Delta Choice Benefits for Platinum status (select one)
- Step 4: Refine your withholdings
- Conventional mortgages: As low as 3% down payment
- Analytics
- 2. Municipal bonds, or munis
- State Farm® Good Neighbor Visa® Card
- Free fitness training
- Compare costs for selling your home
- 5. Automotive repairs
- 2. Continental U.S. to Hawaii from 20,000 miles each way
- Center for Women Entrepreneurs StartHER Grant
- Number of employees
- Check-in
- 2. Shop around for the best loan
- 4. Apprenticeships
- Apply for a balance transfer card
- 5. Change your ID cards
- 6. Adoption credit
- Start with a budget
- Ownership and management team
- Do you file 2023 taxes in 2024?
- 2. Research Reddit's fundamentals
- 2. Redeeming rewards for credit toward merchandise
- 7. Curate subscription boxes
- Can you save too much?
- Pack your own headphones
- Considerations
- It’s surprisingly easy to get approved
- 3. Budget for taxes
- 1. Online advice services
- A secured credit card offers no risk to you
- 4.5-star plans
- Pay attention to account minimums
- 3. Emergency expenses
- Get free shipping on purchases
- 1. With more time for interest to accrue, you will pay more
- Videos
- 3. Mail the request and document copies
- 3. Decide where to buy mutual funds
- Where Coinbase Wallet shines
- If you're 59½ or older and the account is at least 5 years old
- Consider whether you want a referral system of care
- Chase Sapphire Reserve®
- 5. The right to appeal an IRS decision in an independent forum
- WHEDA Advantage Conventional
- 3. Claiming too many charitable donations
- Personal loans
- Disneyland Magic Key Passes
- 3. The “I Treat All My Children the Same” Strategy
- 3. Evaluate other factors
- Commercial property insurance
- Gusto Impact Award
- Step 3: Ride the organic marketing train
- Documentation
- 3. Learn to use AI tools
- Fast Break for Small Business
- PenFed: Best for a seamless application process
- Average 401(k) match
- Best insurance company overall: Travelers
- 2. Take a cut with affiliate marketing
- Other ways to earn points
- Personal loans
- 5. Profits
- Signs of fraud
- Additional financing
- Travel bonus reward rates
- 9. Cold Stone Creamery
- Mortgage insurance
- 2. You must have owned the home for at least two years
- ETF cons
- Improve your chance of loan approval
- How to switch servicers
- You've graduated to a permanent card
- Airport lounge access
- 1. Credit identity theft
- 1. States with no income tax
- Is rental car coverage primary or secondary?
- Our pick for: Intro APR + high rewards on everyday spending
- Delta credit cards with free baggage
- 2. Score sponsorships
- Use your employer benefits
- Choosing more than one trademark class
- CD penalty
- Regions Business CD
- Craigslist, Facebook Marketplace, Nextdoor, OfferUp
- Equity vs. debt
- Services that charge renters
- Cities with the top five annual rent price declines or smallest increases:
- 3. Open a brokerage account
- 4. Do a background search
- Classes of service
- Lengthen the repayment term
- Locate the corresponding size standards
- SBA 7(a) loans
- Buying a put example
- Design your marketing campaigns
- Opt for modest jewelry
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- November: Veterans Day
- Food and entertainment
- Resident status rules
- Don’t assume award redemption rates mirror cash rates
- Our pick for: Gas station spending
- What fees do Chase checking accounts have?
- Ask for early check-in or late checkout
- The percentage method
- 5. A $50 hotel credit
- American Express Plan It payment option
- Part-year resident status rules
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- 3. Physical/occupational therapy center
- 1. Make sure you’re eligible to get an EIN online
- Bitcoin pros
- Checkout 51
- 5. Core Scientific Inc.
- Robo-advisors
- 1. Start small
- Bring a bigger down payment to the table
- Whole Foods deals
- 4. Buy your way to Oneworld elite status
- If you've owned your account for less than five years ...
- Ohio Heroes
- Fidelity is best for:
- Fidelity at a glance
- Goodbudget
- Default
- Do tipped workers earn the minimum wage?
- There is a pro-rata rule for backdoor Roths
- 3. Pentagon Federal Credit Union (PenFed) Rewards
- Other fuel cards to consider
- 3. Swagbucks
- 4. Personal trainers
- 5. Planet Fitness
- What to do if the debt collector made an error
- Delta Choice Benefits for Diamond status (select three)
- Wants
- Learn more about Zelle
- 4. Prepare your car and complete the sale
- How long will it take to pre-qualify?
- Estate tax exemptions by state
- Adult children
- Step 5: Sign and date your W-4
- Pay for a club rate when booking on the IHG website
- Allow up to 50% of your income for needs
- FHA loans: As low as 3.5% down payment
- You're competing against other buyers
- If you are converting your 401(k) to an IRA
- Reasons for unfreezing your credit
- What’s the problem with rental junk fees?
- Choosing corporate tax status for your LLC
- International travel with an adult
- But wait, there’s more
- 1. Making money
- Check your plan's rules for 401(k) loans
- Silver membership
- Target Circle™ Credit Card
- Years in business
- USDA guarantee fee
- Boarding
- 3. LexisNexis
- Other ways may require more patience
- 1. Shop the supermarket with intentionality
- Personal property coverage
- 6. Let your leasing company or lender know about your switch
- 7. Earned income tax credit
- Cincinnati Insurance
- 3. Cash management accounts
- 4. Leverage your content
- Company history
- When do you need to file taxes in 2024?
- Insurance rates by car model
- Insurance for the removed driver
- 5. Teach others a skill
- Step 3: Buy the gold ETF
- Southwest Airlines
- 4. Your credit score needs to be strong
- 4. Watch for scams
- 4. HOME Homebuyers Program (Pensacola and Escambia County)
- Winner for ease of miles: Qatar Privilege Club
- Will use the other perks
- How much is Netflix a month?
- 3. Don’t use the money
- Zengo Wallet: 4.8 out of 5 stars
- How this calculator works
- You want to transfer rewards to a domestic airline
- Get complimentary rental car insurance
- Step 5: Deliverables and milestones
- Invoice financing
- Book travel via the AmEx portal or Expedia
- Deductibles
- Frontier Airlines
- Put contributions into a Roth
- Pros of bank stocks
- Forgiveness comes sooner
- Four Season Resort Lana’i Guest Lounge
- Cards with an introductory offer
- General liability insurance
- City of Orlando Business Assistance Program
- One-time costs
- Members can redeem miles through partner airlines
- Appraisals
- LendingTree Spring
- The Howey test
- Oportun
- 6. Lower risk
- Cash redemptions
- Example interest checking APYs at select institutions
- You rent cars frequently
- Stock mutual funds = higher potential returns (or losses)
- 6. Identify customer service missteps
- Where Trust Wallet falls short
- 3. You must have lived in the house for at least two years in the five-year period before you sold it
- Grant databases
- Citi
- Bid and ask
- Companion upgrades
- Upgradeability
- Divorce or separation from a spouse
- Pros
- 4. Select a provider to open your Roth IRA
- Integrations and plug-ins
- Instant deposit
- What buyers and sellers should ask real estate agents
- 4. Up to $200 in annual credit for airline incidental fees
- How does Wag work?
- Customized workout plan
- How do I make sure coverage applies to my rental?
- 6. Home cleaning
- What factors affect the amount you can borrow
- The cons of Roth IRAs
- CDs at a bank vs. credit union
- Where to get auto insurance quotes
- Can I renew my passport?
- File a complaint with your state insurance department
- 3. Consider buying the dip
- Best business expense tracker for transportation businesses
- ❌ It can be harder to change a booking
- Fewest complaints: Progressive
- 5. Pre-qualify with a soft credit pull
- Ages 35 to 44
- Tap into equity
- Track your spending
- 5. Business property rent
- 2. Get the required business insurance, licenses and EIN
- 15,000 miles to Peru in economy or 35,000 miles in business class
- Size of the AC system
- Consider the annual fee
- 5. Global Assist travel hotline
- Personal loan calculator
- Gold streaming companies
- 4. Place your order
- Fresh Start for incarcerated student loan borrowers
- Look at seating charts, available rooms and car rental options
- Does Chase have a free checking account?
- Watch out for account fees
- Step 3: Account for essential startup costs
- 4. College costs
- 6. Combine points from multiple cards
- The highest price
- 4. Develop a health care app
- Palmetto Home Advantage
- 6. The right to finality
- Our pick for cash back
- 2. Calculate the car loan amount you can afford
- How much does a Disney Lightning Pass cost?
- It's simpler
- Example screenshot comparison
- Michael Novogratz
- 2. eBay's free — up to a point
- Bring documents showing financial stability
- Free games
- Premium tax credit eligibility
- Cheap car insurance after a speeding ticket
- How to contact AARP
- 4. Narrow in on a business that aligns with your budget, goals and resources
- 3. Bonds and bond index funds
- You want to help your family pay estate taxes
- 4. Pay your bill before your issuer reports to the credit bureaus
- Ages 20-24
- Travel perks at no cost
- 1. Cash dividends
- 4. How they’re taxed
- Our pick for: No credit check at all
- 10. Del Taco
- Simpler
- 2. Child identity theft
- Jumbo loans: As low as 5%-10% down payment (varies)
- Rental housing platforms commit to price transparency
- Price
- Sam's Club® Mastercard®
- 5. Research first-time home buyer assistance programs
- Calculate whether you can afford loan payments
- Drawing your trademark
- Texas State Trade Expansion Program
- Wells Fargo Special Fixed Rate Business CD
- Common size income statement example
- Loyalty program
- Capital gains vs. fixed income
- 3. Pre-qualify
- 5. Entry-level jobs
- Take out a debt consolidation loan
- 5. Compare tax preparation fees
- Passenger amenities
- 8. Charitable donation deduction
- Farmers
- Places with the highest median down payments (in dollars)
- Mission statement
- 3. Decide how much to invest
- Apply natural makeup
- 8. Create an airport-centric app
- 3. Leave your parents at home
- Sam’s Club Business Mastercard
- Bring French wine home
- Taxes
- United Airlines
- 5. SHIP First Time Homebuyers Program (Pensacola and Escambia County)
- Hilton Honors
- Holiday decor and attire
- FICO score ranges
- The Chase trifecta
- Hotel amenities
- An alternative credit card won’t cost you anything
- Agriculture, forestry, fishing and hunting
- Grants.gov
- Disadvantages of sticking with one bank
- The Platinum Card® from American Express
- Small-business term loans
- 4. Wait for confirmation, then store it securely
- Value stocks
- Transfer points to travel partners
- Chairman's Club (invite only)
- Lack of transparency
- Cash management account
- Delta premium economy luxury amenity kit
- Southwest Airlines
- Decision group
- Bitcoin cons
- 4. Reporting too many losses on a Schedule C
- Submit the form online, once glitch is fixed
- 4. The “Sweat the Biggest Stuff” Strategy
- I.A.S.S. Hawaii Lounge
- Tactic 2: Use points or miles
- Selling your home to Opendoor
- Pay with a credit card that doesn’t charge foreign transaction fees
- Emergency savings: Always a work in progress
- And when you retire ...
- How to contact Ethos
- The pros
- IFundWomen Universal Grant Application Database
- 3. Expedia
- Our pick for: Online purchases
- Navy Federal: Best for military members
- Why it’s the best
- How to protect yourself
- Travel redemptions
- UCC lien on specific collateral
- Larger footprint
- The actual expense method
- 6. Orangetheory Fitness
- 5. Investigate divorced spouse benefits
- Cons
- 1. Find a dividend-paying stock
- Hotel elite status
- Magic Kingdom
- 2. States with flat income tax rates
- 3. U.S. government bonds and securities
- Tips for unfreezing your credit
- 5. Up to $200 in Uber cash for rides
- 1. ESG funds
- Group training sessions and group classes
- What coverage is included?
- Weigh emotional benefits
- 7. IT and computer services
- Types of CDs
- Claims history
- 3. Don’t miss out on tax deductions for volunteering
- Custodial wallets
- Eat cheaper
- 2. Find your niche
- 4. Buy Nike stock
- Find ways to save
- Service requirements
- Step 1: Submit an online application
- 35,000 miles to Colombia in business class
- What do I do if I lose my IP PIN?
- 4. Index funds
- Subscriptions
- Installation and labor: $75 to $250 per hour
- Dun & Bradstreet business credit scores
- Pros of general partnership
- Universal Studios Hollywood
- Purchasing stocks
- 4. It’s possible to use credit card travel credits to fund your United TravelBank
- How much is YouTube TV?
- How to book the Seaglass Inn & Spa with points
- 2. Flight discounts
- Use storage facilities at an airport or a train station
- 2. Lenders usually charge higher interest rates for long-term auto loans
- Add photos and videos
- Nonresident status rules
- Infographics and other types of written content
- Cheapest full coverage car insurance in Texas for 20-year-olds
- Where Coinbase Wallet falls short
- 5. Diabetic care center
- 2. Gather the necessary information
- Cons of bank stocks
- How to use Google Pay
- Attractions eligible for individual Lightning Lane passes
- Same term: If you refinance at 25 years
- How to get British Airways Avios
- Consider bringing your own financing
- Tax credits
- Seller concessions
- 4. Don’t try to predict the market
- How to get high returns on your cash
- 3. Earn thousands of miles as a credit card welcome bonus
- Your points earnings
- A decent base rate on all purchases
- 2. Stock dividends
- Other potential factors
- 7. Look for automation opportunities
- What Trust Wallet is best for
- 11. Denny’s
- Consider the carrier
- Cheapest full coverage car insurance in California for 20-year-olds
- 4. You cannot have claimed the home sale capital gains exclusion recently
- Volume, average volume and day’s range
- Our pick for: Rewards on rent payments
- Savings and debt repayment
- Small-business owners
- 4. Consider flipping investment properties
- About the Miles & More frequent flyer program
- Marriott's Grand Chateau
- Home equity lines of credit pros and cons
- Gold membership
- 3. First class between the continental U.S. and Hawaii from 40,000 miles each way
- Do I need to update Global Entry when I get a new passport?
- VA funding fee
- Freezes aren't the end of the story
- Humana Medicare Part D
- 2. Skill up on the skillet
- DFW Terminal B
- Average rates from the biggest auto insurers after an at-fault crash
- Seek out more affordable travel options
- 9. Medical expenses deduction
- 6. Apply with a hard credit pull
- Nationwide
- Get rid of FHA mortgage insurance
- 6. Auto expenses
- Places with the lowest median down payments (in dollars)
- What happens if you don't file your taxes?
- 3. Redeeming rewards for travel
- Choose a simple hairstyle
- Trim level and car insurance rates
- 9. Become a destination wedding planner
- Target your impact
- 3. Purchase the commodity ETF
- 5. You could potentially earn $1,400 a year in statement credits — if you use them
- 5. Watch for burnout symptoms
- 6. Pensacola Homebuyer Incentive Program (Pensacola)
- Charitable donations and tips
- Broker fees
- Transfer to airlines
- 4. Check out dividend-paying stocks
- What is the Chase checking account minimum balance requirement?
- America’s Seed Fund
- You’re looking for a lower annual fee
- Shop with peace of mind
- 7. Transfer points to airline and hotel partners
- 1. Find a dividend-paying stock
- SBA loans
- Tax credits for people with kids
- Outsized rewards through transfer partners
- What about an HDHP with a health savings account?
- WHEDA Advantage FHA
- The cost of convenience
- Use alternative venues
- Equity REITs
- Emirates Skywards Premium World Elite Mastercard®
- Traditional, in-person financial planners
- KAL Lounge
- Term life insurance rates for nonsmokers
- Prime Day and Prime Early Access
- Low-interest credit cards
- 5. Access to Oneworld lounges
- Professional liability insurance
- North Miami Community Redevelopment Agency grants
- Enjoy added perks when you reach elite status
- Price
- Step 4: Invest in the tools of the trade
- Interest rates
- Expensify
- Mold inspection
- Among investment apps: Acorns
- Redeem points for train rides
- 7. Built-in customer base
- 5. The minimum investment
- You frequently use a car-sharing service
- Restaurant rewards
- 5. Newborn and post-pregnancy services
- Chase
- GET MORE MILES, MORE BENEFITS WITH A DELTA CARD
- Call and ask for better terms
- 3. Tap your home equity for a loan or line of credit
- Epcot
- Claim an annual IHG lounge membership as one of your IHG One Rewards milestone bonuses
- 3. Synthetic identity theft
- Leave 30% of your income for wants
- You don't want to be at the mercy of an appraisal
- 3. States with progressive tax structures
- State Farm® Business Cash Rewards Visa Signature® Card
- 6. Up to $200 in annual hotel credit
- What isn't covered?
- Learn what happens if you leave your job
- How can I qualify to borrow more?
- Come up with an investing strategy
- Poshmark
- ❌ You may not receive elite benefits
- Premiums
- Should you refinance your student loans?
- 4. Certificates of deposit (CDs)
- 5. Sell your stuff
- Credit score for VA refinance
- Winner: American Airlines
- Product/service and customer
- Virtual cheers
- The 'sleep-well' advantage
- How do I access a HELOC?
- Should you invest in retail stocks in 2023?
- You can’t build credit with the loan
- Cons of general partnership
- VantageScore ranges
- 2. Free or cheap financial apps
- The ability to product change
- Carry a balance or incur late fees
- Peruse restaurant and activity reservations online
- Fly bags for free with elite status
- Pros of biotech stocks
- Understanding your results
- The aggregate method
- Step 6: Budget
- White papers, e-books and presentations
- Inflation-protected investments
- How we picked the airlines to evaluate
- Best suited for midsize and large businesses
- Other perks of Delta premium economy
- Privacy
- 6. Home health care service
- Chase Sapphire Preferred® Card
- 7. The right to privacy
- Find preapproved auto loans
- How to contact TruStage
- 5. Deducting too many business expenses
- Google Maps
- 4. Consider extra coverage
- What types of homes does Opendoor purchase?
- Ongoing fees
- Ohio Grants for Grads
- Amber Grant for Women
- You want to diversify your investment portfolio
- 3. Land a brand deal and make sponsored content
- 3. Dividend reinvestment programs (DRIPs)
- Sesame Cash
- Blanket lien
- Bond mutual funds = lower returns (but lower risk)
- 8. Prioritize company culture
- 12. Edible Arrangements
- 4. Fiverr
- 5. You cannot have bought the house through a like-kind exchange
- Net worth of U.S. families by income
- Walmart Foundation
- 7. Primrose Schools
- Beta
- Credit cards that earn IHG points
- What are the requirements for Wag?
- Free Wi-Fi
- International travel as an unaccompanied minor
- 8. Pet store, grooming and boarding
- Apply for aid
- Revocable life insurance trusts
- Andover Companies: Best coverage
- 4. Keep the deadline in mind
- Can you transfer Southwest points to airline partners?
- 4. Apply for the loan and receive funds
- 6. Volunteer work
- Borrow from your 401(k)
- 6. Reconsider tax preparers who don't e-file
- Highest customer satisfaction: State Farm
- 10. Deduction for state and local taxes
- State Farm
- Ages 45 to 54
- Switch from an adjustable- to a fixed-rate loan
- 80,000 miles in Emirates business class to the Middle East, Africa, Asia, Australia or New Zealand
- Can I file my taxes without an IP PIN?
- 10. Make local guides
- 3. Make sure they’re a good fit
- Consider your spending and flying habits
- 7. Purchase Assistance Program (Panama City)
- 5. You can't use United TravelBank funds for other travel purchases
- How much is Hulu?
- What is the Chase direct deposit requirement for checking accounts?
- WomensNet Grants
- Look at the pricing and execution fine print
- How to roll over funds — and avoid tax missteps
- 5. To protect your portfolio in retirement
- Worry less about your luggage
- A sure, fast closing
- 3. Open a brokerage account
- What Coinbase Wallet is best for
- Unpaid interest is cancelled
- VA loan for energy efficiency (EEM)
- Mortgage REITs
- Shorter term: If you refinance to 20 years
- 3. It helps to have a niche
- Ko Olina Lounge
- Term life insurance rates for smokers
- Debt consolidation
- Retirement savings: Room for improvement
- Your elite status carries over to Oneworld partners
- Pros
- 4. Earn flexible points using a non-airline credit card
- 4. Take surveys for money
- 5. Do your due diligence
- 4. Real estate investment trusts (REITs)
- 5. Monitor your total credit utilization
- Ages 25-34
- 4. Barclays rewards
- 8. Be your own boss
- If you’re victimized
- The details
- You drive a company car
- Trust Wallet at a glance
- Mortgage rates
- International flights
- 6. Add your minor child
- 2. Evaluate the stock
- When 2% cash back isn’t quite 2%
- People who want to cover their final expenses
- Book through certain luxury travel agencies, like Virtuoso
- You don't want to risk sold-out cars
- Customer service
- 1% match
- 7. Up to $300 Equinox credit
- How states are combatting rental housing junk fees
- PayPal Cashback Mastercard®
- What vehicle rentals are excluded?
- 3. Investment accounts for kids
- Cons
- 6. Compare mortgage rates and fees
- Consider alternatives
- Deductibles, limits and payouts
- Open for Business Grant Program in Houston
- Consider mediation
- Destinations
- Manual storage
- Ruby Lane
- 4. Think about getting a second opinion
- 3. Don’t quit restaurants cold turkey
- Best low-cost business expense tracker
- Methodology
- High PE ratio
- Loss of use coverage
- 7. Rent and depreciation on equipment and machinery
- Consider Original Medicare if you:
- Conventional loans
- Seasonal Energy Efficiency Ratio (SEER) Rating
- Equifax business credit scores
- How much does a HELOC cost?
- 6. Find local gigs through Nextdoor
- Pros of gold stocks
- 5. Consider a fund over an individual stock
- Part-year resident status rules
- Get to know your credit card’s travel concierge
- 4. Alert authorities to fraud
- Mining, quarrying and oil and gas extraction
- Guarda: 4.6 out of 5 stars
- 3. Caesars Diamond status
- You want to redeem points for travel directly
- Look for other storage solutions near you
- Key factors at play
- 8. Worldwide acceptance
- Complete your listing details
- Business lines of credit
- 4. Understand mutual fund fees
- Use points to upgrade your seat
- 1099-A
- Split between a traditional and Roth IRA to defer taxes
- 3. Submit your application and wait
- When are taxes due in October?
- 6. Claiming a home office deduction
- Free unlimited photo storage with Amazon Photos
- Business interruption insurance
- Credit cards that earn World of Hyatt points
- Your money management style
- 2. Promote your business
- Cheap auto insurance after an accident
- 4. Special dividends
- 13. Firehouse Subs
- The simplified version
- 6. You cannot be subject to expatriate tax
- Net worth of U.S. families by age
- Income modeling
- EPS (TTM) and earnings date
- Sample letter requesting a goodwill deletion
- Build your score and then switch cards
- Rental car elite status
- 4. Taxpayer identity theft
- You find it hard or impossible to get a mortgage
- Gym workouts via the Planet Fitness app
- But wait, there’s more
- Which is better when?
- Platinum membership
- Cheapest life insurance companies for smokers in fair health
- 3. Tap TikTok’s ‘Creativity Program Beta’
- Allegation of use
- 7. Confirm they'll sign on the dotted line
- Methodology
- Copays, coinsurance and deductibles
- 11. Mortgage interest deduction
- 7. Make on-time payments to build credit
- Use designated accounts for spending and savings
- Step 2: Pass the interview
- 3. Get employment law liability insurance before you scale
- When are taxes due in October?
- What other ways can I protect my identity?
- Future goals
- 4. Place your order
- Be aware of — and reduce — your carbon footprint
- 1. Buy on your own terms
- 8. Down Payment Assistance Program (Tallahassee)
- Don’t spend at least $300 a year on travel
- 5. Explore new industries
- National Association for the Self-Employed (NASE) grant
- Cons of biotech stocks
- Step 4: Get business insurance
- Get live help on the go
- 2. Evaluate the stock
- The Business Platinum Card® from American Express
- Podcasts
- 4. Decide how much to invest in Netflix
- Cheapest minimum coverage car insurance in Texas for 20-year-olds
- How we chose the winner
- 7. Medical foot care
- Where to get preapproved for a car loan
- 8. The right to confidentiality
- Post-class group
- 3. Set a target purchase price
- Qantas Business Lounge
- 5. Get a quote
- When to use Avios for a British Airways upgrade
- How to buy a home with Opendoor
- 5. Take the long view
- Low returns
- The cons
- National Association for the Self-Employed Growth Grant
- Rocket Money
- 4. Capital One Travel
- Elite status benefits and goals (or lack thereof)
- Best insurance company for affordability: NJM
- How renting from RVshare works
- Other ways to redeem your points
- Why it’s the best
- You need an SR-22 or FR-44 form
- Redemption value
- Money market mutual funds = lowest returns, lowest risk
- 9. Build a website
- 6. Enrichment activities for children
- Cheapest minimum coverage car insurance in California for 20-year-olds
- 8. Kiddie Academy
- 1. Have a goal for your index funds
- Hollywood Studios
- 5. Gather your paperwork
- How to get the best deal for a Lufthansa economy award flight
- Pay bills on time
- Our pick for: Current users
- 8. $300 SoulCycle credit
- How much does Wag pay?
- How long will the rental be covered?
- Our pick for: Everyday spending
- 9. Salon or barbershop
- JetBlue credit cards with free baggage
- Perkins loans
- Common size balance sheet example
- Partner airlines
- Inverse performance
- 5. Pay off lenders and begin repayment on your personal loan
- Travelers
- Ages 55 to 64
- Debt-to-income requirements
- Buying a put vs. shorting example
- 5. Exchange-traded funds (ETFs)
- 11. Create a local grocery delivery service
- 4. Review their fees
- The lender has a history of customer complaints
- 7. Freelance
- Cons of gold stocks
- Tiers
- Spend on airline credit cards with built-in baggage perks
- Putting it all together
- Hawaiian Airlines-JetBlue partnership
- What is the Global Entry interview like?
- Step 7: Conclusion
- 3. You have a higher risk of developing negative equity
- Cover your card charges
- Paycom: Also good for larger businesses
- Short-term bond funds
- Coinbase Wallet at a glance
- Why does the network matter?
- 1099-B
- Have a self-serve bar
- Hybrid REITs
- UBS Visa Infinite Card
- Longer term: If you refinance to 30 years
- Online financial planning services
- 4. You can’t get away with amateur photos
- Amazon Elements
- Emissions and efficiency
- WomensNet grants
- 1. Figure out your gross income
- Bonus features
- Foundation inspection
- 5. Preferred dividends
- Debt management plan
- Our pick for: Beginner-friendly features
- Full details about Trust Wallet's ratings
- 14. IHop
- Book one to three months in advance
- Net worth of U.S. families by race or ethnicity
- Bank of America Charitable Foundation
- U.S. Bank
- Financial reviews
- Ex-dividend date
- Try different ways to avoid overspending
- 3. Decide how much stock you want to buy
- Co-signers or co-owners of debt
- Commit 20% of your income to savings and debt paydown
- Schedule 1: Additional income and adjustments to income
- 2. Sustainable stocks
- Referral program
- Step 2: Register your business
- 4. Virgin Atlantic flights to the U.K. from 60,000 HawaiianMiles round-trip
- Be consistent
- Verizon Small Business Digital Ready Community Grant
- Irrevocable life insurance trusts (ILITs)
- Etsy
- Consider a condo
- Make Money
- ❌ It may be more expensive
- Tap your home equity
- 8. Check if they would have your back
- Most coverage options: Allstate
- Loyalty program earnings
- 12. Gambling loss deduction
- Make a plan to pay off debt
- 5. Treasury notes, bills and bonds
- 8. Office supplies
- Compare car insurance rates for 35-year-olds
- 80,000 miles to Maldives in business class
- Consider Medicare Advantage if you:
- Do you get a new IP PIN every year?
- Distribute and evaluate your marketing campaigns
- 4. Redeeming rewards for gift cards
- Charity Charge Nonprofit Business Card
- Commodity ETF pros
- Legal protection
- 9. Down Payment Assistance Program (Leon County)
- World of Hyatt
- Mutual funds
- Have problems justifying the costs beyond the travel credit
- How much is Disney+?
- Get your house in order
- Program for Investors in Microentrepreneurs
- Know your elite benefits
- Additional standard deduction 2023 (taxes due 2024)
- Fewer contingencies
- Webinars
- Extra perks
- 8. Drug treatment/rehabilitation center
- Home appraisal checklist
- WHEDA Easy Close
- 7. Using nice, neat, round numbers
- Disability housing grants
- Carfax Car Care
- United Club
- Whole life insurance rates for nonsmokers
- First trimester
- Try paying in cash dollars
- Key person insurance
- Franchise financing
- Acorns is best for:
- Acorns at a glance
- Cons
- Bizee’s Fresh Start Business Grant
- 4. Sell some merch
- In network
- MoCaFi
- 3. Learn the difference between investing in stocks and funds
- Fare flexibility/ticket changes
- 7. Suspend your benefit
- What do I need for my loan application?
- 5. Rent out a room
- You might be able to reserve a car now — and rebook the same one later at a discount
- Zero price transparency
- Keep credit utilization below 30%
- 9. Up to $240 in digital entertainment credit
- What if I don’t have personal auto insurance?
- You can use credit card benefits to travel in basic economy
- HEAL loans
- Airfare cost
- 5. Focus on the long term
- Aetna Medicare Part D
- DFW Terminal C
- 3. Understand your market
- USAA
- 1. Examine your cooling needs
- 12. Start a virtual event planning company
- Experian business credit scores
- Determine if you can meet the welcome bonus spend requirements
- Examine your bank
- 2. Compare prices
- 6. The United TravelBank doesn't earn interest
- Nonresident status rules
- Our pick for: Simple cash back
- Exodus: 4.5 out of 5 stars
- How to book The Woods Cottages & Cabins at Russian River with points
- Book a sightseeing tour
- 9. Coverage if your trip is canceled or delayed
- 3. Decide how much stock you want to buy
- Apply for TRIP
- Shop with points via the American Express site
- Do you have preferred doctors?
- 9. The right to retain representation
- Individual bank stocks
- Buy secondhand wedding attire
- 5. The more detail, the better
- Amazon Family
- 1. No South American partners
- NerdWallet's List of Best QuickBooks Alternatives
- 2. Find your adjusted gross income
- Account linking
- Step 5: Staff wisely
- 5. Earn an airline companion pass
- Average cost of renters insurance in California by city
- The premiums are expensive
- Ages 35-44
- 5. American Express Membership Rewards
- 6. Dividend funds
- Bankruptcy
- You want to maintain continuous coverage
- 15. Melting Pot
- Loan limits
- Net worth of U.S. families by education
- 9. Kumon Math and Reading Centers
- 2. Research index funds
- 1-year target estimate
- Cell phone insurance
- Statement credits
- Animal Kingdom
- Hold IHG Royal Ambassador status
- 5. Medical identity theft
- You'll come out ahead by investing the money
- Travelodge by Wyndham Las Vegas Center Strip
- 2023 tax rates by state
- Venmo Credit Card
- 10. Gas station
- 7. Gather your loan paperwork
- Compare award letters
- International trademark registration
- Capital One® Walmart Rewards™ Mastercard®
- Gusto Impact Award
- The last resort: File a lawsuit
- Liability coverage
- 13. IRA contributions deduction
- Ages 65 to 74
- Other VA refinance requirements
- Low-down-payment mortgages
- Commodity ETF cons
- 8. Tutor your peers
- Pros of limited partnership
- Review last year’s spending
- What’s included
- Utilities
- Individual biotech stocks
- 4. Hilton Gold elite status
- 3. Gusto
- After you're approved for Global Entry
- Bonus step: Appendix (optional)
- Additional standard deduction 2024 (taxes due 2025)
- How we assigned star ratings
- Paychex: A solid option for small or midsize companies
- Full details about Coinbase Wallet's ratings
- What you need to get preapproved for a car loan
- U.S. Bank Altitude™ Reserve Visa Infinite® Card
- 1099-C
- Our pick for no-annual-fee cash back
- Publicly-traded REITs
- Whole life insurance rates for smokers
- Cyber liability insurance
- Miles are earned based on the ticket price, not distance flown
- Ohio Mortgage Tax Credit
- How to maximize your rewards
- Plan G vs. Plan N
- 5. Make money from your blog with affiliate links
- 5. Money market funds
- Out of network
- The missing piece: Long-term care
- Example CD APYs at select institutions
- 10. Beat burnout
- 5. Upwork
- 7. Mobile apps and entertainment for children
- Baggage and boarding
- 4. Borrow from your 401(k)
- During booking
- Keep credit accounts open
- Schedule 2: Additional taxes
- 10. $189 Clear credit
- 3. Robo-advisors that offer sustainable investments
- How does coverage vary for international rentals?
- 2. Managing money
- What’s covered and what’s not
- Eureka
- Best business expense tracker for travel-related expenses
- 1. Think long term versus short term
- 9. Office furniture
- Step 3: Review their franchise agreement
- Side-by-side comparison of SBA 504 and 7(a) loans
- Hurricanes, tropical storms and tornadoes
- Government-backed loans
- 2. Time it right
- 3. Have funds ready
- Dividends
- How much is Max?
- FedEx Small Business Grant Contest
- Step 5: Get a business credit card, business checking account
- Mini CD ladder
- 1. Review your W-4
- 10. Baggage delay insurance
- 4. You could fall into a cycle of negative equity
- Use points toward online purchases elsewhere
- Cheapest auto insurance in Texas for 20-year-olds with poor credit
- Predictability
- Is a large network important?
- 9. Childbirth services
- 1. What’s your budget?
- National Association for the Self-Employed (NASE) grant
- Treasury securities
- Money Manager
- Whether it might be better to earn points instead
- For crypto: Crypto.com
- Debt settlement
- 1. Restricting regulations
- 16. Moe’s Southwest Grill
- Check-in
- Cheapest auto insurance in California for 20-year-olds with poor credit
- Resident status rules
- Wells Fargo
- Moving averages
- Disney’s Typhoon Lagoon Water Park
- 6. Pick your investments
- Negative BBB reviews
- Recommended portfolios
- How to get paid on Wag
- 11. Grocery store
- Consider how much you’ll need to borrow
- Government bonds
- Amegy Bank Small Business Boost Program
- General partners
- Common size cash flow statement example
- TrueBlue value
- Swappa, Gazelle
- 4. Shop online with purpose
- Where Adyen stands out
- 14. 401(k) contributions deduction
- Develop good credit habits
- 4. Develop a marketing plan and decide on prices
- Reading candlestick charts
- Start with the elevator pitch
- 6. Investment apps
- 5. Instant redemption
- 13. Sell zero-waste products
- Consider the net value of the card’s welcome bonus
- Paperwork and compliance
- Individual gold stocks
- Cons of limited partnership
- Request an accessible seat
- 1. 'I’ll wait until the stock market is safe to invest.'
- Leaving your money in your old 401(k)
- Spend the day being productive
- Marriott Bonvoy Brilliant® American Express® Card
- Book round-trip flights
- Goals: Keep them realistic
- How we verified our data
- 1099-CAP
- 10. The right to a fair and just tax system
- Use a streaming service for music
- Business owner's policy
- How to maximize your rewards
- Security
- Cheapest car insurance after a DUI
- Venmo Small Business Grant
- Resident status rules
- Ages 45-54
- 5. Offer memberships
- Card-to-card points transfers
- Fleet expense management tools
- Travel credits
- 10. Ace Hardware
- 1. Avoid filing your tax return on paper
- 8. Use a do-over
- Our pick for: Opt-in text redemptions
- Average annual car insurance costs from large companies
- 6. Account takeover
- Space out credit applications
- 11. Reimbursement of application fees for TSA Precheck or Global Entry
- United credit cards with free baggage
- 4. Use gifting
- Parent PLUS loans
- Responding to trademark office actions or oppositions
- Taxes
- Winner: Virgin Atlantic
- Number of stops
- 2. Look into tax-loss harvesting
- 3. Look for equipment rebates and tax credits
- 5. Do a final check
- 9. Take surveys
- Two-day ticket deals
- 10. Down Payment Assistance Program (Gainesville)
- Coinbase Wallet: 4.4 out of 5 stars
- Watch the calendar
- Uneven splits
- 11. Rental car coverage
- Complete your inventory and pricing
- Redeem for gift cards
- Public non-traded REITs
- 6. You’ve got to price it right
- Second trimester
- Appraisal fee
- Miles are worth 1.7 cents each
- Chase Sapphire Cards
- The cash value is slow to grow
- 6. Capital One Rewards
- Dave
- Member: 0 to 4,999 TQPs
- 17. P.F. Chang’s
- Property standards
- 8. Shared accessories and attire
- Security screening
- Set a price alert
- Carnegie Corporation
- Seat selection
- Open a business bank account and credit card
- Disney’s Blizzard Beach Water Park
- Schedule 3: Additional credits and payments
- Verizon Visa® Card
- What is the procedure for filing a claim?
- Perks await when you fly economy with elite status
- 8. Get a preapproval letter
- 1. Automate transfers
- Chubb: Best for high-value homes
- 6. Take advantage where you can
- InboxDollars Surveys
- Where Stripe stands out
- Low PE ratio
- Most tech-friendly: Geico
- 10. Software subscription
- Down payment assistance programs
- 14. Make products for pets
- Scout out service dog relief areas
- 6. You can add different types of authorized users
- Stock splits
- Colorado child tax credit (COCTC)
- How much is Apple TV+?
- Biotech stock ETFs
- What happens if you are declined?
- Budget: Factor in all the costs
- 5. Manage your mutual fund portfolio
- Tax credits for low-to-middle-income households
- Bank certificates of deposit, or CDs
- 10. Medical billing service
- 1099-DIV
- WHEDA Capital Access
- Chubb: Best overall cyber insurance for small businesses
- Bank ETFs
- How to use Samsung Pay
- 2. Lack of guaranteed free checked bags on British Airways
- Shopping for better savings rates
- FedEx Small Business Grant Contest
- Pros
- A word about IRA eligibility
- 3. Add back certain deductions particular to MAGI
- How to maximize your rewards
- Plan G vs. Plan F
- Step 6: Practice your elevator pitch
- 3. Sell your castoffs
- Got more questions about how to open an IRA? We have answers
- Dividend per share (DPS)
- Our pick for: Fixed monthly payments
- You typically borrow a car from someone in your household
- 3. Pick your index funds
- 2. Get direct deposit
- Square
- Monitor your credit reports
- 12. Up to $100 in statement credits annually at Saks Fifth Avenue
- 5. Hawaii to anywhere in Japan with a free stopover in Tokyo
- Have an estate plan in place
- Dayton Community Development Corporation grant programs
- Double-check your coverage
- Medical payments coverage
- 15. Saver’s credit
- Step 4: Undergo their multi-week training program
- Stick to the basics
- Sinkholes
- Consider targeted investing
- 11. SHIP Down Payment Assistance (Alachua County)
- Set up a sinking fund
- 2. 'I’ll buy back in next week when it’s lower.'
- JetBlue-Qatar Airways partnership
- Construction
- Set cash aside
- 2. Make sure your bonus is actually taxable
- 12. Travel assistance
- 5. Repair and maintenance costs increase with a car’s age
- Avoid traveling to certain countries
- Donate to charity
- Is Lightning Lane worth it?
- Try up-and-coming vendors
- 2. How often will you visit the park?
- 7. It’s not over when the item sells
- Tactic 3: Use your military benefits
- Charging/filling up
- Discount points
- Customer support
- 6. Sell your wares on Etsy
- Wildfires
- AndroMoney
- Ages 55-64
- Select: 5,000 to 9,999 TQPs
- 18. Pinkberry
- Rebook if you find a cheaper price
- 11. Snap-On Tools
- Support and resistance
- Earning rates
- Transfer partners
- How quickly could the IRS implement the child tax credit expansion?
- How to have more taxes taken out of your paycheck
- 7. Criminal identity theft
- You'll need the cash for other things
- 12. Drugstore
- Rapid Rewards Shopping
- Safety ratings
- Pay with points and miles
- Cigna Medicare Part D
- 5. Stop solving problems with new products
- DFW Terminal D
- 3. Hold the shares inside an IRA, a 401(k) or other tax-advantaged account
- Invest in your financial future
- File taxes online with tax software
- 15. Create custom clothing
- 10. Search for regular jobs for kids
- Gold stock ETFs
- Inheritance and gifts
- Colorado earned income tax credit (COEITC)
- Identify grants that are suited to your business
- Consider tools, education and features
- Cheapest auto insurance in Texas for 20-year-old drivers with one speeding ticket
- Know your health insurance terms
- No-exam life insurance rates for nonsmokers
- Third trimester
- Cons
- Municipal bonds
- The Amplifier Grant
- 5. Kiwi
- Our pick for: Cell phone and internet bill payments
- 6. High-yield savings accounts
- The cash value rate of return can be low
- Prudence's policy:
- Dividend yield
- The details
- Chase Dining
- Example money market account APYs at select institutions
- You regularly borrow the same car from someone you don’t live with
- Cheapest auto insurance in California for 20-year-old drivers with one speeding ticket
- Part-year resident status rules
- 3. Stay on top of things
- Look for outside funding
- After booking
- Club Wyndham Grand Desert
- 13. Walmart+ Monthly Membership Credit
- Our pick for: Flat-rate travel rewards
- Google Opinion Rewards
- Cost
- 16. Health savings account contributions deduction
- Credit unions
- 11. Advertising and marketing
- Winner: American Airlines
- Home equity loan
- Preboard
- 12. Homebuyer Assistance Program (Volusia County)
- Put your money in a high-yield savings account
- Appendix: How the math works in our examples
- Step 6: Get funding
- 3. Use tax deductions
- 13. Purchase protections
- Set your shipping prices
- The Hilton Honors American Express Business Card
- Audience: Review your target audience
- Pharmacy choice
- 11. Nutritionist/dietitian
- Citi Prestige® Card
- 1099-G
- The Hartford: Best for adding coverage to a business owner’s policy
- Private REITs
- 3. No guaranteed mileage earnings on all airlines
- America’s Seed Fund
- Crypto.com is best for:
- Crypto.com at a glance
- Part-year resident status rules
- Best insurance company for accident forgiveness: Geico
- 7. Citi ThankYou Points
- USAA vs. State Farm home insurance
- Resident status rules
- 2. Initial cost
- AKC
- 19. Pizza Hut
- 6. OfferUp
- Ford Foundation
- Upgradeability
- 4. International and emerging markets bonds
- Examples of other Synchrony co-branded cards:
- 2. Count your coins and bills
- San Antonio Economic Development Department grant programs
- 5. Get your business financials in order
- Be passionate
- Three-day ticket deals
- How much is Peacock?
- 3. 'I’m bored of this stock, so I’m selling.'
- Trust Wallet: 4.3 out of 5 stars
- How to book Santiago Resort with points
- Consider using a retirement account
- 6. High-yield savings accounts
- No-exam life insurance rates for smokers
- The Hartford
- Escrow account funds
- How to maximize your rewards
- Compare Medigap plan types
- User experience
- Step 7: Write client proposals
- 4. Earn badges through Live videos
- You can’t control your portfolio
- Scenario: Doctor visits and an MRI
- M1
- Select Plus: 10,000 to 19,999 TQPs
- You drive rarely or not at all
- Benefits
- 4. Set a budget for your stock market investment
- 12. Pillar to Post Home Inspectors
- 5. Enter a debt management plan
- Term life insurance
- How to have less taxes taken out of your paycheck
- Step 3: Price your services
- 4. Education accounts
- 13. Antique or thrift store
- 9. Choose a real estate agent carefully
- Reliability
- The risks and rewards of each
- Classes of service
- 17. Self-employment expenses deduction
- 4. Call in a pro
- Step 5: Prepare for your grand opening
- 16. Sell vintage clothing online
- Pros of C corporation
- 13. Affordable Home Ownership Assistance Program (Daytona Beach)
- Pros of a 203(k) loan
- Chase premium checking accounts
- Other airline partners
- Confirm grant details
- Cash out your 401(k) — which is rarely recommended
- 5. Discounted hotel rates
- 4. Contribute to a tax-advantaged account
- 14. Customer service without the wait
- Content: Focus on quality
- 1099-INT
- 3. Which sounds like more fun?
- 8. Be ready for some returns
- Selling to Opendoor
- You can’t use your miles to book free stopovers
- Cheapest auto insurance for poor credit
- FedEx Small Business Grant Contest
- 1Money
- Embrace
- Chase Experiences
- 20. Red Robin
- 9. Shared home improvement equipment
- Be flexible with destination, airport and dates
- 4. Decide where to buy your index funds
- 4. One more thing to know about your tax refund
- Helcim
- Estimate loan payments
- 5. Sell with TikTok Shop
- Rapid Rewards Dining
- 6. Sanitize your social feeds
- Swagbucks
- AM Best Financial Strength Rating: A (Excellent) for most
- Travelers vs. Allstate home insurance
- 12. Business entertainment
- Real estate
- How much is Prime Video?
- Manufacturing
- So, which one?
- U.S. Bank Altitude® Connect Visa Signature® Card
- Higher premiums, more coverage
- 12. Alternative health care
- WHEDA Advantage Conventional HomeStyle Renovation
- Travelers: Best for cyber liability coverage
- 4. Set a budget for your stock market investment
- If you already have a ticket
- Labor and delivery
- Barclays Small Business Big Wins
- Reviews
- Corporate bonds
- 7. Self-publish an e-book
- How does RVshare insurance work?
- 3. Ongoing investment
- Drawbacks
- Nonresident status rules
- Coca‑Cola Foundation
- Permanent life insurance
- Past years' state tax rates
- Our pick for: Varo users
- 14. Access to the American Express Global Lounge Collection at airports
- 14. Fitness studio or gym
- 6. Intra-Japan flights for 12,000 HawaiianMiles each way
- Where is the best place to exchange currency?
- 3. Prep for grocery shopping
- Lubbock Economic Development Alliance grants
- File an appeal
- Compare business CD rates: 12-month term
- State Farm vs. Geico renters insurance
- 4. Register your clothing business
- 18. Home office deduction
- Online lenders
- Keep it succinct
- Your credit
- Home equity line of credit
- 17. Begin niche blogging
- Cons of C corporation
- Our pick for: Flexible rewards and a bonus
- Cons of a 203(k) loan
- Take advantage of promotions
- Tracking: Identify key metrics
- Tax credits for investing in retirement
- Cheapest auto insurance in Texas for 20-year-old drivers with one at-fault crash
- Methodology
- Our pick for foodies
- Vanguard 500 Index Fund (VFIAX)
- Towing
- Flood determination and monitoring fees
- Aim to save at least 10% to 15% of your pretax income
- Step 8: Set your pricing
- Tory Burch Foundation Fellows Program
- Earthquakes
- Nonresident status rules
- 7. CDs
- There can be tax implications if you withdraw cash from your policy
- 8. Bank of America® rewards
- Dividend payout ratio
- For overall similarity: Webull
- Select Executive: 20,000+ TQPs
- Figo
- Our pick for: An upgrade path
- 21. Starbucks
- Refinancing
- Cheapest auto insurance in California for 20-year-old drivers with one at-fault crash
- 1. Live in the house for at least two years
- 13. Keller Williams
- How to use a W-4 to owe nothing on a tax return
- How much is auto insurance after an at-fault accident?
- Desert Rose Resort
- How do you get a perfect credit score?
- 10. Narrow down your ideal type of house and neighborhood
- Gap Good Rewards Mastercard® Credit Card
- Passenger amenities
- Hire and work with a tax preparer or another tax pro
- Prepare and submit applications
- MetaMask: 4.0 out of 5 stars
- Create your return and exchange policy
- 1099-K
- SAVE benefits available by October 2023
- 9. Face issues head on
- Listing with Opendoor
- Stash
- USAA vs. Allstate home insurance
- Airport lounge access
- Golden crosses and death crosses
- Our pick for: A quicker welcome bonus
- 15. Centurion Lounge Complimentary Guest Access
- How do I find a currency exchange near me?
- Customer satisfaction
- 19. Educator expenses deduction
- 13. Travel expenses
- How much is Sling TV?
- 5. Defer your bonus
- 7. CDs
- Amex EveryDay® Credit Card
- Lower premiums, higher out-of-pocket
- 13. Health information website
- Three Insurance: Best for comprehensive insurance coverage
- Vanguard Total Stock Market Index Fund (VTSAX)
- Hiscox
- Government recording fees
- Miles expire after 24 months of inactivity
- 5. Build a community
- Scenario: Trip to the ER
- Part-year resident status rules
- 4. Potential for conflict
- MetLife
- 22. Wingstop
- 7. Poshmark
- 2. See whether you qualify for an exception
- Wells Fargo's reputation
- 15. Tutoring business
- 7. Intra-Australia flights on Virgin Australia from 20,000 HawaiianMiles round-trip
- The Alamo Small Business Grant Program
- Ask for another at-home visit
- Country Financial: Best for using an agent
- DFW Terminal E
- J.D. Power Ranking
- Travelers vs. Geico home insurance
- Save
- Have structure
- Where you live
- 18. Become an e-book writer
- 11. Monetize your social media accounts
- 14. Down Payment Assistance Program (Orange County)
- Value per point
- Publish your listing
- SAVE benefit starting in February 2024
- How much does Disney Genie+ cost?
- 10. Use the eBay seller hub
- High-yield bonds
- Floods
- Property-based passive income ideas
- 10. Vacation rentals
- Home Depot Foundation Veteran Housing Grants Program
- 14. FastSigns
- 5. Buy index funds
- 1. Freeze your credit
- 5. ABLE Accounts
- 6. Monetize using the Series feature
- Where can you exchange currency for free?
- Winner: Virgin Atlantic
- Extra features
- 20. Solar tax credit
- Your goals and time horizon
- Cash-out refinance
- Pros
- Wholesale trade
- Consider backup funding options
- Capital One Venture X Rewards Credit Card
- Vanguard Total Bond Market Index Fund (VBTLX)
- Loan-origination charges
- Schedule time for grant applications
- How much will you really need to retire?
- 8. Get advertising revenue from your blog or YouTube channel
- 6. BookWithMatrix
- Why we love RVshare
- Other details you should know about Trust Wallet
- 23. Red Lobster
- 3. Keep the receipts for your home improvements
- 5. Focus on investing for the long-term
- 16. Upgrade to Marriott Bonvoy Gold Elite status
- 16. Ice cream shop
- State Farm vs. Lemonade renters insurance
- 7. Make a budget
- 14. Interest
- Prior management and leadership experience
- Winner: British Airways
- Your claims history
- More from NerdWallet
- 12. Get paid to stream on Twitch
- 15. Dare to Own the Dream (Tampa)
- How much is Fubo TV?
- To stay in the home after closing
- Property-based passive income ideas
- Tax credits for education
- Cheapest auto insurance in Texas for 20-year-old drivers after a DUI
- 14. Medical supply sales
- 1099-LTC
- SAVE benefits available by July 2024
- Availability
- Step 9: Stay organized and deliver results
- Bond funds
- Acorns
- USAA vs. Geico home insurance
- 5. Lack of financial privacy
- Nationwide
- Hotel status
- Cheapest auto insurance in California for 20-year-old drivers after a DUI
- U.S. Bank Altitude™ Reserve Visa Infinite® Card
- 2. Safeguard your Social Security number
- Everything else
- Our pick for: Customizable bonus categories
- 3. Building a budget
- 4. Minimize restaurant spending
- Complain to the state insurance department
- Cryptocurrency pros
- Expand your coverage with endorsements
- NCQA Score Range: 2.5 to 4.0 out of 5
- 21. Energy efficient home improvement tax credit
- Payday lenders
- Flooding
- Selling a put example
- Risk tolerance and diversification
- 19. Start ghostwriting
- Cons
- Pros of S corporation
- Electrum: 2.5 out of 5 stars
- Premium cabin award availability
- General business proposal sample
- Stay true to your brand
- Your next step
- Attractions eligible for Genie+
- 5. Focus on investing for the long-term
- Vanguard Balanced Index Fund (VBIAX)
- 11. Improve your seller profile
- Mortgage insurance or fees for government-backed loans
- Expand your search efforts
- Webull is best for
- Webull at a glance
- 8. Buy a rental property
- Best insurance company for having few customer complaints: American Family
- Thunderstorms
- Nonresident status rules
- 1. Decide what type of investor you are.
- 11. Electronics repair
- Gifting large sums of money to family
- 15. Merry Maids
- 17. Upgrade to Hilton Honors Gold status
- Step 4: Obtain business permits, licenses, and insurance
- More from NerdWallet
- 17. Dry cleaner
- Self-funding
- Hurricanes
- Invest
- Compare car insurance rates for drivers with a DUI
- Write it later
- Your home’s features
- 16. East Tampa CRA Down Payment Assistance Program (Tampa)
- Other details you should know about Coinbase Wallet
- 1099-MISC
- Pets Best
- Our pick for: No security deposit, low annual fee
- Chase Sapphire Preferred® Card
- Is Trust Wallet right for you?
- Clif Family Foundation
- 6. Keep an eye on your index funds
- 3. Be alert to phishing and spoofing
- 11. Stick to your budget
- Get an appraisal
- 5. Design and source the clothes for your line
- 22. Electric vehicle tax credit
- 15. Bad debt
- Cost
- Full-time availability
- Personal loan
- 20. Become a resume writer
- Cons of S corporation
- RFP sample
- 8. Buy a rental property
- Keep it relevant, useful and authentic
- American Express® Green Card
- 15. Stylish uniforms for medical professionals
- Vanguard Growth Index Fund (VIGAX)
- 12. Solicit feedback
- Pay off debt
- State Farm
- Where you live
- The details
- Transfer partners
- 24. American Eagle
- California earned income tax credit (CalEITC)
- Testing a resistance level
- 18. Money-saving perks for stays booked through The Hotel Collection
- 18. Bookstore
- 7. Collect tips from viewers
- America’s Seed Fund
- Cryptocurrency cons
- Loyalty program earnings
- High-interest installment lenders
- Your deductible
- Retail trade
- To avoid repairs
- If you don't have a ticket yet
- Pest inspection
- Weigh grant application fees
- Cheapest car insurance for young drivers
- California earned income tax credit (CalEITC)
- 9. Rent out your own house
- Albert
- 1. Access to capital
- Spot
- Conventional loans
- 6. Manage your stock portfolio
- Paying for vacations, cars or other stuff
- Our pick for: Discounts at checkout
- 4. Use strong passwords and add an authentication step
- 5. Get discounts on entertainment
- Geico vs. Progressive
- Winter storms
- Contact management
- Get a test reader
- 21. Open a coworking space
- Customize your content for each channel
- 16. Hearing aid dispensary
- 1099-NEC
- Vanguard Small Cap Index Fund (VSMAX)
- 13. Download the eBay app
- 9. Become an Instagram influencer
- Your coverage limits
- Our pick for: Maximized value
- How we review crypto wallets
- 25. Anthropologie
- California young child tax credit (YCTC)
- 19. Complimentary benefits through Fine Hotels & Resorts
- 19. Bed and breakfast
- Financial assistance
- State Farm vs. Allstate renters insurance
- 8. Find your 'why'
- Skylink and Terminal Link
- Pay off debt
- Partner award opportunities
- Business proposal template services or software
- 9. Rent out your own house
- Is Coinbase Wallet right for you?
- Address any lingering questions
- 6. Manage your stock portfolio
- Avoid taking on more debt
- Prepaid expenses
- Keep alternative funding in mind
- Accounting
- California young child tax credit (YCTC)
- Hurricanes
- Trupanion
- Giving a laid-back loan
- 1. Has the W-4 form changed?
- Average car insurance costs after a speeding ticket
- 5. Use alerts
- 4. Saving money
- MyLowe’s Rewards Credit Card
- Amber Grants
- Excellent financial history
- Proofread
- 17. Homeownership Assistance Program (Miami-Dade County)
- Fully utilize content
- Cheapest full coverage car insurance in Texas for 30-year-olds
- 17. Respite care service for caregivers
- Capital One Venture Rewards Credit Card
- Our pick for travel
- Vanguard Total International Stock Index Fund (VTIAX)
- Your deductible
- 10. Get a roommate
- 2. Efficient growth
- 26. Banana Republic
- FHA loans
- 12. Academics courses
- Cheapest full coverage car insurance in California for 30-year-olds
- California child and dependent care tax credit
- Fidelity® Rewards Visa Signature® Card
- 20. Floral shop
- 12. Make the most of walk-throughs and open houses
- 6. Map out major purchases
- Hail
- 16. Taxes
- Templates
- If you owe taxes
- 22. Become an online coach
- Our pick for: Worldwide acceptance
- Tax credits for green purchases
- 1099-OID
- Is Genie+ worth it?
- 14. Connect eBay to your own store
- Wait to apply
- CNA
- Branding
- California child and dependent care tax credit
- Reasons to take pause before renting from RVshare
- Chase Sapphire Reserve®
- Card ecosystem
- Setting up joint bank accounts
- Kubota Hometown Proud Grant Program
- 6. Watch your mailbox
- Step 5: Secure startup funding
- Try mediation
- State Farm vs. Allstate
- Be available for training
- Other policies
- Pros of LLC
- 18. First-Time Home Buyer Program (Hallandale Beach)
- Transportation and warehousing
- Etsy fees for sellers
- 10. Get a roommate
- American Express® Gold Card
- How we review crypto wallets
- 18. Medical marijuana dispensary
- Tax monitoring and research fees
- Alternative investment passive income ideas
- Monzo
- Tornadoes
- Our pick for: No security deposit, low annual fee, potentially high credit limit
- 2. Choose how much you want to invest.
- 27. DSW
- California adoption cost tax credit
- 2. What does it mean to be exempt from taxes?
- 20. Free shipping with ShopRunner
- 21. Gardening and landscaping
- Find your niche
- How much are car insurance quotes?
- NASE Growth Grant
- NJM: Best small regional insurer
- Airport parking at DFW
- Repeat
- Tropical storms and tornadoes
- Sales management
- 23. Flip failing websites
- 1099-PATR
- Web design
- 10. Monetize your Twitch channel
- Your claims history
- California adoption cost tax credit
- 3. Minimal employee supervision
- 7. Shred, shred, shred
- Our pick for: Bank of America® customers
- Winner: Virgin Atlantic
- Your dog
- If you’re getting a tax refund
- Cons of LLC
- Ledger: 5.0 out of 5 stars
- Alternative investment passive income ideas
- 15. Network with other sellers
- Title-related costs
- Cheapest auto insurance for senior drivers
- Best insurance company for financial strength: Auto-Owners
- Georgia FAIR Plan
- NYC tax rate schedule
- 28. J. Crew Factory
- 13. Language courses
- California nonrefundable renters tax credit
- Our pick for: Subscriptions
- 21. Concierge service
- 7. Restrict online shopping
- Turn to litigation
- S&P 500 PE ratio
- Above-the-line deductions
- Tornadoes
- 17. Employee salaries
- 24. Become a web developer
- 1. Be direct.
- Cheapest minimum coverage car insurance in Texas for 30-year-olds
- How do I start a health care business?
- 1099-Q
- Embroker
- Human resources
- The features of your home
- California nonrefundable renters tax credit
- 11. Peer-to-peer lending
- 3. Gather your paperwork.
- Cheapest minimum coverage car insurance in California for 30-year-olds
- Amazon Web Services (AWS) Imagine Grant
- Average car insurance costs after a DUI
- 8. Use a digital wallet
- 22. Nail salon and spa
- 13. Don’t skip the home inspections
- Geico vs. State Farm
- Reports and analytics
- 4. Increased brand awareness
- 29. Journeys
- Our pick for: Existing cardholders
- 22. Low fares through the International Airline Program
- Understand your eligibility
- DFW rental car center
- 25. Start a podcast
- Winner for premium seating classes: Etihad
- Information
- 2. Don’t leave room for ambiguity.
- 11. Peer-to-peer lending
- How do I start a home health care business?
- 1099-R
- Green living
- Other policies
- Greenlight
- Chase Freedom Flex℠
- 3. When should I review my W-4?
- 9. Protect your mobile devices
- 23. Photography
- Below-the-line deductions
- Wildfires
- 18. Employee benefits programs
- Trezor: 4 out of 5 stars
- The Platinum Card® from American Express
- Can I sell on eBay without a store?
- 5. Reduced risk
- 30. Madewell
- 23. Savings with the Cruise Privileges Program
- Step 6: Market your window-washing business
- Be authentic
- Which factors determine car insurance quotes?
- 8. Delay purchases with the 30-day rule
- Dividends and preferred stock
- 6. Partner with a manufacturer
- Shiller PE ratio
- Customer support
- 26. Be a social media influencer
- How do I write a business plan in health care?
- American Express® Gold Card
- 1099-S
- Pros
- Organization
- 11. Sell your photography
- Your dog
- 12. Private equity
- Our pick for: Average credit and rewards
- The details
- 4. Pick your investments.
- Credit required
- 14. Business or marketing courses
- 10. Check your credit reports regularly
- 24. Clothing boutique
- 14. Negotiate with the seller
- Note application deadlines and awards dates
- Compare auto insurance rates for drivers with poor credit
- Panera bread
- 3. Write for the right audience.
- Cheapest auto insurance in Texas for 30-year-olds with poor credit
- Do I need a tax ID to sell on eBay?
- Insureon
- 6. Evaluate the price of the business with the earnings, assets or market approach
- How renting from Cruise America works
- 31. Old Navy
- Cheapest auto insurance in California for 30-year-olds with poor credit
- 4. Can I adjust my W-4 multiple times throughout the year?
- 24. Car Rental Privileges
- Public transportation options
- Allstate vs. Geico
- 19. Employee gifts
- Business entity summary
- 12. Private equity
- Real estate agent commissions
- 11. Monitor financial and medical statements
- 25. Daycare
- TJX Rewards® Platinum Mastercard®
- 9. Get creative with gifts
- Selling bonds
- 27. Create online courses
- Finance and insurance
- SafePal: 3.8 out of 5 stars
- 1099-SA
- Our pick for luxury perks
- How many things can you sell on eBay for free?
- Our pick for: Prime gaming
- Step
- 32. Target Circle
- 25. Deals through the Amex Auto Purchasing Program
- Our pick for: Paying rent
- Serve your audience and set small goals
- Consider financing alternatives
- USAA: Best for military and veterans
- Property and transfer taxes
- Cons
- 1. Loss of complete brand control
- Overseas acceptance
- 15. Personal wellness
- 26. Brewery or winery
- 15. Buy adequate home insurance
- Taxis and rideshare at DFW
- Most popular: HO-3 insurance
- 20. Contracted labor
- McDonald’s
- 28. Become a marketing consultant
- 4. Consider a title page.
- American Express® Business Gold Card
- What should you do if you’re invested in these REITs?
- How much is an eBay store per month?
- 13. Crypto staking
- Best insurance company for discounts: Amica
- Chase Freedom Unlimited®
- State Farm Good Neighbor Citizenship Company Grants
- 26. An extra point when booking Platinum Destinations Vacations
- Progressive vs. Allstate
- Cheapest auto insurance in Texas for 30-year-old drivers with one speeding ticket
- Title insurance
- Cheapest auto insurance in California for 30-year-old drivers with one speeding ticket
- 27. Hardware store
- Use multiple strategies
- 10. Lower your car costs
- Methodology
- 13. Crypto staking
- Capital One Savor Cash Rewards Credit Card*
- Apple Cash: digital card
- 2. Increased potential for legal disputes
- Our pick for: Average credit and no annual fee
- 33. Aveda
- 27. Additional value through the InCircle rewards program
- Step 7: Prepare yourself for the day-to-day operations
- 21. Legal and professional fees
- Dunkin’
- 29. Develop an app
- Real estate, rental and leasing
- 12. Become a dog walker with Rover or Wag
- How does Cruise America insurance work?
- Majority
- 5. Maximizing your credit cards
- 28. Catering company
- 7. Price your products
- Broadest coverage: HO-5 insurance
- 5. Err on the side of brevity.
- 34. BareMinerals
- 16. Courses in hobbies or interests
- Google Ad Grants
- 1. Lost wallet
- 28. AmEx Carbon Emissions Tracker
- 11. Reduce your gas usage
- Progressive vs. State Farm
- 3. Initial investment
- Average annual car insurance costs for drivers with good vs. poor credit
- 29. Real estate agency
- 30. Make a smart appliance
- Cheapest auto insurance in Texas for 30-year-old drivers with one at-fault crash
- Cash App debit card
- Product creation passive income ideas
- Why we love Cruise America
- Ink Business Preferred® Credit Card
- 35. Clinique
- Cheapest auto insurance in California for 30-year-old drivers with one at-fault crash
- Our pick for: Those who are unbanked
- The Business Platinum Card® from American Express
- Comun
- 2. Mailbox theft
- 30. Event venue and planner
- 8. Decide where to sell your clothing line
- Limited coverage: HO-1 and HO-2 insurance
- 31. Tap into virtual reality experiences
- Professional, scientific and technical services
- Product creation passive income ideas
- 13. Sell unused gift cards
- 4. Federal and state regulation
- 36. CVS
- 17. Bookkeeping and accounting
- 29. The Global Dining Access by Resy
- Costco Anywhere Visa® Card by Citi
- 12. Bundle cable and internet
- Winner for lowest fees: Tie
- Citi® / AAdvantage® Executive World Elite Mastercard®
- 14. Write content
- Our pick for: Limited credit
- The Unless Project
- 31. Tattoo and piercing shop
- Individual stocks
- Who are the top five insurance companies?
- 32. Make a niche dating site
- Add a personal bio and photo
- Reasons to take pause before renting from Cruise America
- Roth IRA withdrawal rules
- 37. e.l.f. Cosmetics
- 3. Using public Wi-Fi
- 30. Exclusive events
- Erie: Most generous coverage
- 14. Write content
- Cheapest auto insurance in Texas for 30-year-old drivers after a DUI
- Cheapest auto insurance in California for 30-year-old drivers after a DUI
- 32. Veterinary office
- 13. Switch your cell phone plan
- Which insurance company is best at paying claims?
- 33. Develop a chatbot
- 7. Secure capital to make the purchase
- Our pick for: Target gaming purchases
- Best insurance company for customer satisfaction: State Farm
- Bunq
- Ink Business Cash® Credit Card
- Roth IRA withdrawal penalty
- 38. Lancome
- 18. Consulting
- 31. An open invitation to events with Membership Experiences
- 6. Borrowing money
- Management of companies and enterprises
- Add images
- 14. List your spare bedroom on Airbnb
- 4. Data breaches
- 33. Food truck
- Is State Farm cheaper than Geico?
- Compare insurance rates for drivers with an accident
- 34. Offer matchmaking skills
- 39. Sephora
- 32. A better view with American Express Preferred Access
- Dividend stocks
- Replacement cost vs. actual cash value
- Aldi Cares Community Grants
- 34. Health clinic
- 14. Reduce your electric bill
- 9. Market your clothing line
- Is Geico a good insurance company?
- 35. Be a virtual assistant
- Rearrange your items
- Delta SkyMiles® Platinum Business American Express Card
- 15. Publish a digital course
- Totem
- Our pick for: Good credit
- 40. SmashBox
- How much is auto insurance for young drivers?
- 5. SIM card swap
- 35. Bakery
- Administrative and waste services
- Add sections
- 15. Publish a digital course
- Cheapest full coverage car insurance in Texas for 40-year-olds
- How renting from Outdoorsy works
- Ink Business Unlimited® Credit Card
- 41. The Body Shop
- 19. IT support
- Cheapest full coverage car insurance in California for 40-year-olds
- 15. Lower your student loan payments
- 36. Reinvent exercising
- Car-related passive income ideas
- Zendesk Tech for Good Impact Awards
- 6. Phishing or spoofing
- 33. No foreign transaction fees
- Verizon Visa® Card
- Add your shop’s "about" section
- 42. Ulta
- Nationwide: Best online experience
- 37. Create eco-friendly, health-friendly makeup and beauty products
- Car-related passive income ideas
- 15. Sell your gently used clothes
- Best insurance company for military members: USAA
- Our pick for: Spending guardrails
- 34. Upgrade with points
- 16. Cancel unnecessary subscriptions
- What is a prepaid debit card?
- 16. Wrap your car with ads
- 20. Graphic design
- 7. Skimming
- Meet a local demand
- 38. Open a food truck or restaurant pop-up
- Educational services
- Cheapest minimum coverage car insurance in Texas for 40-year-olds
- United Club℠ Infinite Card
- Our pick for: Travel
- Cheapest minimum coverage car insurance in California for 40-year-olds
- The Audacious Project
- 35. No preset spending limit
- Homeowners insurance deductibles
- Add a shop announcement
- 16. Wrap your car with ads
- 43. AMC Theatres
- 17. Refinance your mortgage
- 10. Work with an expert
- 39. Start an organization business
- What is a prepaid credit card?
- 17. Rent out a parking space
- How does Outdoorsy insurance work?
- Standard (nonbank) neobanks
- Average annual car insurance costs for young drivers by company
- 8. Phone scams
- 36. A lower annual fee on additional cards
- Our pick for: Walmart gaming purchases
- 44. Barnes & Noble
- Scout locations
- 40. Do interior design for young professionals
- 17. Rent out a parking space
- Where can you get a prepaid card?
- 16. Trade in old phones, electronics for cash
- 21. Social media management
- Wells Fargo nonprofit grants
- 37. CreditSecure
- 18. Set savings goals
- Health care and social assistance
- Cheapest auto insurance in Texas for 40-year-olds with poor credit
- 45. Redbox
- Cheapest auto insurance in California for 40-year-olds with poor credit
- 9. Looking over your shoulder
- How do you add money to a prepaid card?
- Reasons to love Outdoorsy
- Neobanks that are online banks
- Calculate the costs of starting a business
- Openly: Fewest consumer complaints
- Our pick for: Instant gratification
- Marriott Bonvoy Brilliant® American Express® Card
- Which prepaid card is best?
- 10. Malware
- Chase Freedom Flex℠
- 11. Figure out how to manage your finances
- 17. Get a babysitting gig
- Reasons to take pause before renting from Outdoorsy
- 22. Marketing copywriter
- 38. Cell phone protection
- 19. Track spending
- Arts, entertainment and recreation
- Cheapest auto insurance in Texas for 40-year-old drivers with one speeding ticket
- Digital wallets with banking services
- Cheapest auto insurance in California for 40-year-old drivers with one speeding ticket
- 1. Review your mission
- 39. Purchase protection
- 7. Your credit score
- 23. Virtual assistant services
- 2. Refine your search with keywords
- 20. Pay off high-interest debt
- 1. Gather your information
- Our pick for: A low security deposit
- 40. Return protection
- 18. Rent out your car
- Our pick for: PlayStation purchases
- Fintech firms with cash management accounts
- 12. Get funding for your clothing line
- Accommodation and food services
- Cheapest auto insurance in Texas for 40-year-old drivers with one at-fault crash
- Our pick for: Personalized rewards
- Cheapest auto insurance in California for 40-year-old drivers with one at-fault crash
- 41. Extended warranty
- 21. Keep savings in a high-yield savings account
- Prime Visa
- 8. Close the deal with the appropriate documents
- 3. Narrow down based on location
- 42. Baggage insurance plan
- State Farm: Best perks
- 22. Create a 50/30/20 budget
- 2. Choose the right liability car insurance coverage levels
- 1. Do your research
- 4. Look for organizations with similar values
- 43. Car rental loss and damage insurance
- Discover it® Cash Back
- Other services (except public administration)
- Cheapest auto insurance in Texas for 40-year-old drivers after a DUI
- 19. Sign up for TaskRabbit
- Cheapest auto insurance in California for 40-year-old drivers after a DUI
- 2. Get organized and make it official
- 44. Premium Car Rental Protection
- 1. How much does it cost to start a clothing line?
- 5. Consider hiring a grant writer
- Verizon Visa® Card
- 45. Trip delay insurance
- 23. Shop consignment and thrift stores
- 20. Become a private tutor
- 3. Find the right financing
- 46. Trip cancellation and interruption insurance
- 2. How much do clothing lines make a year?
- Cheapest full coverage car insurance in Texas for 50-year-olds
- Cheapest full coverage car insurance in California for 50-year-olds
- 3. Do you need to trademark a clothing line?
- 47. Premium Global Assist Hotline
- Our pick for: Best Buy purchases
- Our pick for: A mix of credit-building features
- 24. Join initiatives to get free items
- You’re a first-time home buyer
- 4. How do you source material for a clothing line?
- 3. Decide if you need full coverage car insurance
- 21. Drive for Uber, Lyft
- 8. Taxes
- Cheapest minimum coverage car insurance in Texas for 50-year-olds
- Cheapest minimum coverage car insurance in California for 50-year-olds
- 25. Use car sharing services
- You live in a high-risk area
- Cell phone protection
- 22. Make deliveries for Amazon, Uber Eats
- Purchase protection
- Cheapest auto insurance in Texas for 50-year-olds with poor credit
- Cheapest auto insurance in California for 50-year-olds with poor credit
- 9. Paying off debt
- 26. Stock up on household supplies when they’re cheap
- You have a dog
- Return protection
- 4. Collect and compare car insurance quotes
- 23. Find work as a housesitter
- Extended warranty
- 27. Enjoy community events
- You own valuable items
- Cheapest auto insurance in Texas for 50-year-old drivers with one speeding ticket
- Cheapest auto insurance in California for 50-year-old drivers with one speeding ticket
- Baggage insurance plan
- Pros of buying a business
- Our pick for: Digital Microsoft Store purchases
- Car rental loss and damage insurance
- 24. Sign up to be a mystery shopper
- 28. Cash in on your birthday
- You own an older home
- Trip delay insurance
- Cheapest auto insurance in Texas for 50-year-old drivers with one at-fault crash
- Cheapest auto insurance in California for 50-year-old drivers with one at-fault crash
- Trip cancellation and interruption insurance
- 25. Put your drone to work
- Cheapest auto insurance in Texas for 50-year-old drivers after a DUI
- Cheapest auto insurance in California for 50-year-old drivers after a DUI
- Compare car insurance companies
- Cons of buying a business
- Cheapest full coverage car insurance in Texas for 60-year-olds
- Cheapest full coverage car insurance in California for 60-year-olds
- 10. Insurance
- Cheapest minimum coverage car insurance in Texas for 60-year-olds
- Cheapest minimum coverage car insurance in California for 60-year-olds
- Cheapest auto insurance in Texas for 60-year-olds with poor credit
- Cheapest auto insurance in California for 60-year-olds with poor credit
- Cheapest auto insurance in Texas for 60-year-old drivers with one speeding ticket
- Cheapest auto insurance in California for 60-year-old drivers with one speeding ticket
- Cheapest auto insurance in Texas for 60-year-old drivers with one at-fault crash
- Cheapest auto insurance in California for 60-year-old drivers with one at-fault crash
- 11. Investing
- Cheapest auto insurance in Texas for 60-year-old drivers after a DUI
- Cheapest auto insurance in California for 60-year-old drivers after a DUI
- Cheapest full coverage car insurance in Texas for 70-year-olds
- Cheapest full coverage car insurance in California for 70-year-olds
- Cheapest minimum coverage car insurance in Texas for 70-year-olds
- Cheapest minimum coverage car insurance in California for 70-year-olds
- 12. Starting or running a business
- Cheapest auto insurance in Texas for 70-year-olds with poor credit
- Cheapest auto insurance in California for 70-year-olds with poor credit
- Cheapest auto insurance in Texas for 70-year-old drivers with one speeding ticket
- Cheapest auto insurance in California for 70-year-old drivers with one speeding ticket
- 13. Travel
- Cheapest auto insurance in Texas for 70-year-old drivers with one at-fault crash
- Cheapest auto insurance in California for 70-year-old drivers with one at-fault crash
- Cheapest auto insurance in Texas for 70-year-old drivers after a DUI
- Cheapest auto insurance in California for 70-year-old drivers after a DUI
- The NerdWallet Smart Money podcast
- Auto insurance laws in California
- Low-income car insurance in California
1. Roll your debts onto a balance transfer credit card
0% introductory APR period.
A year or more to pay off debt without interest.
Requires good to excellent credit to qualify.
Usually carries a balance transfer fee.
Higher APR kicks in after the introductory period.
Also called credit card refinancing, this option transfers credit card debt to a balance transfer credit card that charges no interest for a promotional period, typically 15 to 21 months. You’ll need good to excellent credit (690 credit score or higher) to qualify for most balance transfer cards.
A good balance transfer card will not charge an annual fee, but many issuers charge a one-time balance transfer fee of 3% to 5% of the amount transferred. Use NerdWallet’s balance transfer savings calculator to see whether the interest you save over time will wipe out the cost of the fee.
Aim to pay your balance down completely before the 0% intro APR period is over. Any remaining balance after that time will have a regular credit card interest rate.
» COMPARE: Best balance transfer credit cards
2. Apply for a credit card consolidation loan
Fixed interest rate means your monthly payment won’t change.
Low APRs for good to excellent credit.
Direct payment to creditors offered by some lenders.
Hard to get a low rate with bad credit.
Some loans carry an origination fee.
Credit card consolidation loans, also called debt consolidation loans, are fixed-rate loans that come in a lump-sum, ranging from $1,000 to $50,000, with terms up to seven years. You can apply for a consolidation loan at your local credit union, bank or through an online lender.
Credit unions are not-for-profit lenders that may offer their members more flexible loan terms and lower rates than other lenders, especially for borrowers with fair or bad credit (689 credit score or lower). The maximum APR charged at federal credit unions is 18%. You’ll need to become a member before you apply for a consolidation loan, but membership is typically quick and affordable.
Bank loans provide competitive APRs for good-credit borrowers, and benefits for existing bank customers may include larger loan amounts and rate discounts. If you have a good relationship with your bank, ask what their consolidation options are before committing to another lender.
Online lenders offer debt consolidation loans for borrowers across the credit spectrum, so they’re a good option if you can’t qualify through a credit union or bank. Most online lenders also let you pre-qualify without affecting your credit score, which is less common among banks and credit unions. Pre-qualifying gives you a preview of the rate, loan amount and term you may get once you formally apply.
Look for lenders that offer special features for debt consolidation. Some lenders, for example, will discount the rate on a debt consolidation loan or send the loan funds directly to your creditors, simplifying the process.
Use NerdWallet’s debt consolidation calculator to enter all of your debts in one place, see typical rates from lenders and calculate savings.
» COMPARE: Best credit card consolidation loans
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3. Tap your home equity for a loan or line of credit
Typically lower interest rates than personal loans.
May not require good credit to qualify.
Long repayment period keeps payments lower.
You need equity in your home to qualify, and a home appraisal is usually required.
Secured with your home, which you can lose if you default.
If you’re a homeowner, you may be able to take out a loan or line of credit on the equity in your home and use it to pay off your credit cards or other debts. This is an option for borrowers who can’t qualify for credit elsewhere.
A home equity loan is a lump-sum loan that you pay back with a fixed interest rate, meaning you’ll have predictable monthly payments and a clear finish line. However, these loans are less flexible than a line of credit, which works like a credit card with a variable interest rate.
A HELOC, or home equity line of credit, often requires interest-only payments during the draw period, which is usually the first 10 years. That means you’ll need to pay more than the minimum payment due to reduce the principal and make a dent in your overall debt during that time.
Since both of these types of credit are secured by your house, you’re likely to get a lower rate than what you would find on a personal loan or balance transfer credit card. However, you can also lose your home if you don’t keep up with payments.
4. Borrow from your 401(k)
Lower interest rates than unsecured loans.
No impact on your credit score.
Reduces your retirement fund.
Heavy penalty and fees if you can't repay.
If you lose or leave your job, you may have to quickly pay back your loan.
If you have an employer-sponsored retirement account like a 401(k) plan, you can typically borrow up to half the amount (with a $50,000 maximum), for a term up to five years, to help pay off your debts. These loans usually come with single-digit interest rates, so they’re much cheaper than credit cards, and any interest you pay goes back into your account. Another benefit is this loan won’t show up on your credit report, so there’s no impact on your score.
But taking out a 401(k) loan is very risky. Not only can it significantly impact your retirement savings, if you can’t repay, you’ll owe a hefty penalty plus taxes on the unpaid balance, and you may be left struggling with more debt.
Plus, if you lose your job or quit, the loan is automatically due on tax day of the next year.
Consider a 401(k) loan only after you’ve ruled out balance transfer cards and other types of loans.
5. Enter a debt management plan
Fixed monthly payments.
May cut your interest rate by half.
Doesn't hurt your credit score.
Startup fees and monthly fees are common.
It may take three to five years to repay your debt.
Debt management plans roll your credit card balances into one monthly payment at a reduced interest rate. You then pay it off over three to five years. These plans work best for those who are struggling to pay off credit card debt but don’t qualify for other options because of a low credit score.
Unlike other credit card consolidation options, opting into a debt management plan won’t hurt your credit score, and if you’re able to make payments on time, it should help.
But debt management plans typically come with fees, so you’ll want to verify the fee amounts and how they affect your overall payoff plan before making a commitment. Going through a nonprofit credit counseling agency is a good way to find an affordable debt management plan.
If your credit card debt is more than 40% of your income and can’t be repaid within five years, bankruptcy may be a better option than a debt management plan.
» MORE: Compare debt payoff strategies
What is credit card consolidation?
Credit card consolidation is when you use another credit product to pay off your credit card balances in one fell swoop. You’re then left with only one payment on your new debt.
For consolidation to make sense, the new debt should have a lower annual percentage rate than your credit cards, so you save money on interest. You can even apply that savings back to your debt, which will shorten the payoff period and get you out of debt faster.
How does credit card consolidation work?
Credit card consolidation works by using a different credit product to pay off your credit card balances at a lower interest rate. The logistics depend on which product you choose.
For example, if you go with a credit card consolidation loan, you’ll need to apply for the loan with a bank, credit union or online lender. Once approved, you’ll receive the money in your account, which you can use to pay off your credit cards.
If you have $10,000 in debt across four credit cards, you’d apply for a $10,000 loan then individually pay off each of the four cards (some lenders offer to pay off your cards for you). You’re then left with one fixed payment on the consolidation loan, which you make monthly, until the loan is paid off in full.
» MORE: How do consolidation loans work?
Is consolidating credit card debt a good idea?
Consolidating credit card debt is a good idea if you can qualify for a low enough interest rate and pay off the debt during the allotted time period, which will vary based on the consolidation product you choose.
You’ll also want to be certain you can keep your credit card balances at or near zero while you pay off the new debt. For example, if you take out a consolidation loan to pay off your credit cards, but then accumulate a balance on your credit cards again, you’ll be in a worse position than when you started.
Can I still use my credit card after debt consolidation?
If you consolidate your credit cards, you can still use them. Consolidating just means you’re paying them off, so your balances will be at zero, but the cards themselves will remain open unless you take the step of closing them.
Closing a credit card can hurt your credit score. Financial experts often suggest tieing a small recurring expense, like your monthly phone bill, to the card to keep it active. Avoid paying for nonessential expenses with your credit card, since this could delay getting out of debt.
Debt consolidation rolls multiple debts, like high-interest credit cards or loans, into a single payment.
The best way to consolidate credit card debt depends on how much debt you have, your credit score and what existing financial resources you can pull from, but popular options include balance transfer cards and consolidation loans.
A consolidation loan might be better than paying off credit cards on your own if you can qualify for a lower interest rate than the average rate on your cards. This would reduce interest costs, lower your monthly payment and potentially get you out of debt faster.
Consolidating debt affects your credit in a few ways. Your credit score may temporarily dip when a lender or card issuer does a hard credit inquiry. Making a late payment on your consolidation product can also hurt your credit. But if you pay on time and stay out of debt in the future, the overall effect could be positive.
rolls multiple debts, like high-interest credit cards or loans, into a single payment.
The best
way to consolidate credit card debt
depends on how much debt you have, your credit score and what existing financial resources you can pull from, but popular options include balance transfer cards and consolidation loans.
A
consolidation loan
might be better than paying off credit cards on your own if you can qualify for a lower interest rate than the average rate on your cards. This would reduce interest costs, lower your monthly payment and potentially get you out of debt faster.
Consolidating debt affects your credit
in a few ways. Your credit score may temporarily dip when a lender or card issuer does a hard credit inquiry. Making a late payment on your consolidation product can also hurt your credit. But if you pay on time and stay out of debt in the future, the overall effect could be positive.
on NerdWallet