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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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- Winner: British Airways
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- 3. Choose how much you want to invest
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- 3. KLA Schools
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- 2. Will I have enough guaranteed income to cover basic expenses in retirement?
- Disadvantages of a lady bird deed
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- 20% of your income: savings and debt
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- 2. Consider whether you should buy Netflix stock
- Operations and management
- 0% balance transfer credit card
- H&R Block
- Great Choice Home Loan
- 4. Business-to-government (B2G)
- Trust Wallet
- EARN MORE POINTS WITH A MARRIOTT BONVOY CREDIT CARD
- Country Financial: Best for using an agent
- 2. Document your charitable contributions
- More visits for Delta SkyMiles Reserve credit cardholders
- 4. A 25% boost when redeeming for travel via Chase
- 3. Determine how many points you'd like to spend
- Tesla car insurance rates by state for a Model 3
- 4-star plans
- 1. Make dollar-cost averaging your friend
- Will you need to adjust employer contributions?
- SBA 7(a) loan eligibility
- Senior miners
- Go easy on the contouring
- Provides more security
- PLLC vs. general partnership
- Bank of America® Premium Rewards® Elite credit card
- Property tax deduction
- Your claims history
- Schedule K-1 recipients
- You often borrow other people’s cars
- 3. Establish your directives
- Step 4: Adjust as needed
- Valuable travel reward redemptions
- Single-entry accounting example
- Employee management
- What the American Opportunity Credit is worth
- Does basic economy get a carry-on on United?
- 2. Look into suburban venues
- DTI ratio examples
- IdentityForce cons
- An example of buying a call option
- Only certain types of transfers are allowed
- Avoid strapless tops or tank tops
- 4. Microstrategy Inc.
- UFB Direct: Best savings account
- Formal two weeks’ notice template
- Our picks for employee card spending limits
- 2. Choose an investment account
- Sell your car
- 5. Recalculated refund scam
- How to file an 83(b) election form
- Step 4: Refine your withholdings
- 3. Evaluate other factors
- SBA business acquisition loan requirements
- 4. Consider your spouse
- How term life insurance works
- 4. Cash out your 401(k)
- 3. Bermuda
- 4. You get the best perks when you rent midsize or better cars
- 7. Curate subscription boxes
- When the statement balance and current balance are different
- Where Zengo Wallet shines
- Earning rates
- Conventional mortgages: As low as 3% down payment
- Business insurance
- 4. Lean on a tax professional
- 3. Child care
- EV subsidies and incentives can save you money
- Start with a budget
- 6. Adoption credit
- 3. Set up balance alerts to stay on top of spending
- 1. Multiply your income by 10
- 2. Broker-dealers and brokers
- Managing debt
- A preapproval process that won’t ding your credit score
- Owner-builder loan
- How to get an EIN
- 4-star plans
- Credit union financing
- 1. Online advice services
- Usury laws for payday lenders
- Wi-Fi
- How often you travel
- 4. The child can't provide more than half of their own financial support
- Winner for reliability: Spirit
- Trip 2: $3,000, one-week trip to Mexico by a 60-year-old from Nebraska
- 4. Tutor
- 4.5-star plans
- Videos
- Pros and cons of financing a swimming pool with a home equity loan
- Considerations
- Center for Women Entrepreneurs StartHER Grant
- Chase Sapphire Reserve®
- Your dollars could become more valuable
- 6. The Plaza Restaurant
- Fly on the holidays (or as far from it as possible)
- EV Incentives
- 2. Pick a product to import or export
- 5. Peer-to-peer money transfer apps
- Nonresident status rules
- Do you file 2023 taxes in 2024?
- 5. Southwest Airlines Rapid Rewards
- 6. Riot Platforms Inc.
- 2. Take a cut with affiliate marketing
- You've graduated to a permanent card
- 4. Painting businesses are in demand
- Choosing more than one trademark class
- Best insurance company overall: Travelers
- 3. Learn to use AI tools
- Whether your options have value
- 6. Video production
- 1. Make sure you’re eligible to get an EIN online
- Is rental car coverage primary or secondary?
- Cards for fair credit
- PenFed: Best for a seamless application process
- 9. Cold Stone Creamery
- Cost of whole life insurance
- 5. Profits
- How much coverage should you buy?
- Shop with rewards
- Best for
- Part-year resident status rules
- You can’t see the physical condition of the car
- 2. Create your envelope categories
- Use your employer benefits
- 1. States with no income tax
- Documentation
- Services that charge renters
- How to dispute errors on your credit report
- Was it in any accidents?
- Personal loans
- If your employer offers a 401(k) match
- 2. You must have owned the home for at least two years
- 2. Points are easy to earn
- 5. Direct-to-consumer (D2C)
- 4. Consider taking an asset allocation shortcut
- 3. 100% earning bonus on all stays
- Determine if the car is selling for a fair price
- Records and reports
- 5. Roll your clothes
- 5. A $50 hotel credit
- Where Ledger shines
- Smaller annual fee
- What to know about FSAs
- Equity vs. debt
- Methodology
- Cons of tech stocks
- 4. Do a background search
- Travel benefits outside IHG
- Disneyland
- 2. Get an accountability partner
- Establishing domicile
- SBA 7(a) loan interest rates and fees
- Craigslist, Facebook Marketplace, Nextdoor, OfferUp
- Cross-check prices to make sure you’re getting a good deal
- Wedding loan
- Improves customer experience
- Your policy size
- Checkout 51
- Make sure the price is right
- Mortgage insurance
- Is the American Opportunity Tax Credit refundable?
- Our pick for: Intro APR + high rewards on everyday spending
- 3. Trim the guest list
- 5. Domestic and international stocks
- Opt for modest jewelry
- 5. Core Scientific Inc.
- Vio Bank: Best money market account
- 3. Use shopping or airline/hotel booking portals
- Choosing corporate tax status for your LLC
- Other fuel cards to consider
- EITC 2024
- 6. IRS account sign-up scam
- Step 5: Sign and date your W-4
- 3. Pentagon Federal Credit Union (PenFed) Rewards
- 3. Swagbucks
- Personal loans
- 1. Making money
- Do tipped workers earn the minimum wage?
- Can you negotiate with GivemetheVIN?
- Minimize expense ratios
- 5. Teach others a skill
- Allow up to 50% of your income for needs
- Adult children
- Reasons for unfreezing your credit
- Other ways may require more patience
- 3. Prioritize your financial goals
- 4. Los Angeles to Las Vegas
- 4. Personal trainers
- Goodbudget
- Book travel via the AmEx portal or Expedia
- Common stocks vs. preferred stocks
- 2. Set a target for future earnings growth rate
- If you are converting your 401(k) to an IRA
- USDA guarantee fee
- 4. Max out your retirement accounts
- 4. Most small islands are uninhabited
- Be upfront, honest and specific
- How to cut costs
- You want to transfer rewards to a domestic airline
- FHA loans: As low as 3.5% down payment
- Book Emirates business class from Dubai to Asia
- 4. Pet sitting or dog walker
- 4. Repaint the front door
- Zengo Wallet: 4.8 out of 5 stars
- Step 3: Triage your finances
- 7. Earned income tax credit
- Personal property coverage
- Avianca additional carry-on baggage fees on domestic flights
- Building your credit score
- Step 3: Buy the gold ETF
- Deciding whether to get a lawyer
- 2. Verify its condition
- What you can do
- 1. Derivatives
- Coverage outside your home
- How long will it take to pre-qualify?
- Renegotiate with the seller
- Bonus categories
- How to unfreeze credit with TransUnion
- Check size requirements
- LifeLock pros
- 5. The child can’t file a joint tax return with someone
- Home equity lines of credit
- Insurance for the removed driver
- PLLC vs. limited liability partnership (LLP)
- 4. Decide how much to invest in AMD
- International travel with an adult
- Certain beneficiaries, plus some investors
- Pros and cons of secured and unsecured RV loans
- Pros
- 7. Tony’s Town Square Restaurant
- 6. Wallet software
- Health insurance and retirement
- 5. Hilton La Romana, Dominican Republic
- When do you need to file taxes in 2024?
- 6. JetBlue TrueBlue
- There is a pro-rata rule for backdoor Roths
- 7. Advanced Micro Devices Inc.
- Divorce or separation from a spouse
- 4. Select a provider to open your Roth IRA
- Ages 35 to 44
- 7. Podcasting
- Take a pre-purchase test drive
- Example interest checking APYs at select institutions
- Earn points by purchasing from Marriott partners
- SBA loan underwriting requirements
- How do I make sure coverage applies to my rental?
- 6. Lower risk
- Pros of debt consolidation
- Share your rewards
- Potential drawback
- 4. Dollar-cost averaging
- The penalty is steep if you don’t pay off the balance quickly enough
- Appraisals
- End goals
- 3. Fly Alaska Airlines or a Star Alliance airline from the continental U.S. to Hawaii
- 4. Up to $200 in annual credit for airline incidental fees
- Other Bank of America loans
- 5. Pre-qualify with a soft credit pull
- Employee-related insurance
- 2. Calculate the car loan amount you can afford
- Where to get auto insurance quotes
- 4. Prepare your pipes and tanks so they don't freeze
- Track your spending
- 2. Buy 10 times your income, plus $100,000 per child for college expenses
- Why it’s the best
- TurboTax
- Stock mutual funds = higher potential returns (or losses)
- LendingTree Spring
- 3. Certified financial planner
- 3. You must have lived in the house for at least two years in the five-year period before you sold it
- Escape Lounges
- Crashes and car theft
- Size of the AC system
- Personal loan calculator
- New-hire reporting
- 6. Combine points from multiple cards
- Upgradeability
- Book with points
- Pros
- The best full coverage car insurance companies
- 1. Via your SkyMiles account
- Can create a habit of reborrowing
- Traditional human financial advisors
- Gold streaming companies
- 5. Freelance writer or editor
- Don’t draw on your eyebrows
- Can I renew my passport?
- Mortgage interest deduction
- Liability insurance
- Palmetto Home Advantage
- You rent cars frequently
- Other types of Chase loans
- 4. Review your beneficiaries
- Double-entry accounting example
- What factors affect the amount you can borrow
- 4. Seek an off-peak season
- Prepare for a future tax bomb
- To review several cruise prices at once: CruiseDirect
- Credit score for FHA loans
- 5. You get to be your own boss
- 3. Bonds and bond index funds
- Drawing your trademark
- First Place Loan Program With Cash Assistance
- Cheap car insurance after a speeding ticket
- 7. Casualty loss scams
- Sam’s Club Business Mastercard
- 4. LeafSpring Schools
- 1. Cash dividends
- Will GivemetheVIN buy my car if I owe on it?
- Racially restrictive covenants
- 10. Del Taco
- If you’re willing to be loyal to a specific brand
- Places with the highest median down payments (in dollars)
- Travel perks at no cost
- 4. Narrow in on a business that aligns with your budget, goals and resources
- 4. U.S. Northeast-Canada
- Our pick for: No credit check at all
- There’s less room for negotiation
- The pros
- 8. Create an airport-centric app
- 3. Limit spending to the envelopes
- 5. Research first-time home buyer assistance programs
- Transfer points to travel partners
- Where Zengo Wallet falls short
- 4. Align your investments with your values
- 4. Catch-up contributions
- Spectrum Business
- 4. Consider how much to invest in Nvidia
- Jumbo loans: As low as 5%-10% down payment (varies)
- Book ANA business class from Japan to India
- What is the car’s ownership history?
- 5. Lawn care business
- Taxes
- 8. Charitable donation deduction
- 4. Pay your bill before your issuer reports to the credit bureaus
- Working toward financial goals
- 6. Consumer-to-business (C2B)
- Why should business owners obtain an EIN?
- Exodus
- Zero-debt financing
- Low Interest Rate Program
- Capital gains vs. fixed income
- 5. Compare tax preparation fees
- Other ways to overcome an appraisal gap
- Cash management account
- Airline points and miles programs
- 3. Set clear goals
- 6. The child has to have a certain residency or citizenship status
- Tactic 2: Use points or miles
- Don’t buy something just because it’s on sale
- PLLC vs. professional corporation (PC)
- Texas State Trade Expansion Program
- The problem
- The benefits of compound interest
- 8. Jungle Navigation Co. LTD Skipper Canteen
- Brokerage fee
- 6. Growth and value stocks
- Apply natural makeup
- 8. PayPal Holdings Inc.
- Eat cheaper
- 3. Expedia
- Voluntary repossession
- Our pick for: Online purchases
- How to contact Ethos
- Whether your company is public or private
- Arrange an inspection
- 2. Gather the necessary information
- 5. Investigate divorced spouse benefits
- What coverage is included?
- Navy Federal: Best for military members
- Tips for unfreezing your credit
- 1. Find a dividend-paying stock
- Nonresident status rules
- 5. You can rent cars with Enterprise for Emerald Club credits
- 2. States with flat income tax rates
- 5. Up to $200 in Uber cash for rides
- 5. Book discounted award flights
- Wells Fargo Business Choice Checking
- Pros of general partnership
- How to report fraud or identity theft
- 3. Get free Wi-Fi (365 times)
- Upgrade options
- Step 4: Tap into community resources
- EVs are better for the environment
- Find ways to save
- 3. Use the DIME formula
- Equity REITs
- Homeownership for the Brave
- Installation and labor: $75 to $250 per hour
- Why it’s the best
- Dun & Bradstreet business credit scores
- 3. Don’t miss out on tax deductions for volunteering
- Annual Sky Club memberships
- 3. Make the purchase
- Annual fees
- Cost (and quality) of living
- Cons
- SBA 7(a) loan collateral
- Cheapest full coverage car insurance in Texas for 20-year-olds
- Infographics and other types of written content
- North America (domestic flights)
- Your business size
- Seller concessions
- Where can I get an RV loan?
- Same term: If you refinance at 25 years
- Award tickets
- 1. Fill out a mortgage application
- Custodial wallets
- 5. Move the special day
- Car insurance from a captive agent
- Swagbucks
- 8. Identity theft scam
- 8. IT consulting
- 2. Stock dividends
- Does GivemetheVIN buy leased vehicles?
- Small-business owners
- 11. Denny’s
- 1. The savings could be negligible
- Places with the lowest median down payments (in dollars)
- 4. Choose the best retirement plan for you
- A decent base rate on all purchases
- Term life insurance rates for nonsmokers
- Home equity lines of credit pros and cons
- 9. Become a destination wedding planner
- 5. Index investing
- Balance transfers often come with a fee
- GET MORE MILES, MORE BENEFITS WITH A DELTA CARD
- VA funding fee
- You’re looking for a lower annual fee
- 6. Apply with a hard credit pull
- What does Medigap not cover?
- Average rates from the biggest auto insurers after an at-fault crash
- Access federal student aid and other government loans
- 9. Medical expenses deduction
- Roll the dice with an upgrade hack
- 3. Earn thousands of miles as a credit card welcome bonus
- 1. Get a brokerage account
- 4. You cannot have claimed the home sale capital gains exclusion recently
- Aspire Lounge
- 3. Points are easy to use
- Saving for and buying a home
- 4. Elite status gifting
- Meet in a public place
- Erie: Best in the Mid-Atlantic and Midwest
- QuickBooks Payroll
- 7. Transfer points to airline and hotel partners
- Superior rewards-earnings
- Skip the extra legroom
- Compare bag types
- 2. Diversify your holdings
- LifeLock cons
- Your points earnings
- Cheapest full coverage car insurance in California for 20-year-olds
- Maximum advance amount may not be available at first
- 6. Transcriptionist
- Equity REITs
- Don’t apply fake lashes
- Do I need to update Global Entry when I get a new passport?
- 1. Find a dividend-paying stock
- Emirates Skywards Premium World Elite Mastercard®
- Charitable contribution deduction
- Additional coverage
- Cons
- 6. Hilton Rose Hall, Jamaica
- What happens if you don't file your taxes?
- Choose a simple hairstyle
- 9. CME Group Inc.
- Call and ask for better terms
- Shop for your own loan
- 4. Consider extra coverage
- What isn't covered?
- Leave 30% of your income for wants
- How do I access a HELOC?
- 7. Built-in customer base
- Should you invest in retail stocks in 2023?
- 5. Newborn and post-pregnancy services
- Price
- Come up with an investing strategy
- 3. States with progressive tax structures
- Trading vs. investing
- 3. Use the P/E ratio to find potentially undervalued stocks
- 6. Up to $200 in annual hotel credit
- Hyatt Hotels in Las Vegas
- Cons of general partnership
- Find preapproved auto loans
- Book United economy class from U.S. mainland to the Caribbean
- Does it have a clean title?
- Did you start freelancing?
- 6. Housecleaning
- 5. Update the house numbers
- Should you refinance your student loans?
- TIPS funds
- Mortgage REITs
- Expensify
- 3. Tap your home equity for a loan or line of credit
- 4. Financial consultant
- 5. Use a Roth
- Construction loans to build a house
- Damage you do to others
- Some restrictions remain
- 2. Free or cheap financial apps
- Where Ledger falls short
- GET MORE MILES, MORE BENEFITS WITH A DELTA CARD
- 3. Call your lender
- Worldwide Trip Protector Lite benefits
- White papers, e-books and presentations
- Poshmark
- 401(k) loan
- Pros and cons of financing a swimming pool with a HELOC
- Excludes potential customers
- Chase Sapphire Preferred® Card
- You frequently use a car-sharing service
- 5. Note your state's estate tax laws
- Google Maps
- How long are RV loans?
- How the Lifetime Learning Credit works
- How can I qualify to borrow more?
- United Airlines MileagePlus
- 4. Use miles or credit card points for car rentals
- Mastercard vs. Visa: Weekly results
- 3. Land a brand deal and make sponsored content
- 3. Turn to qualitative stock research
- Ages 45 to 54
- 9. Ghost tax preparer scams
- Andover Companies: Best coverage
- Whether it fits with your financial situation
- 4. Fiverr
- Pay on time
- 9. Catering
- 3. Dividend reinvestment programs (DRIPs)
- Where does GivemetheVIN buy cars?
- 12. Edible Arrangements
- How permanent life insurance works
- Cons of debt consolidation
- Term life insurance rates for smokers
- The cons
- 10. Make local guides
- PayPal Cashback Mastercard®
- Transferring a large balance can lower your credit score
- Revocable life insurance trusts
- Who Zengo Wallet is best for
- Funding
- 5. Optimize for tax implications
- 5. Education savings and loan debt
- Bank of America Business Advantage Relationship Checking
- 3. Open a brokerage account
- 5. Check your tires
- Comparison of Costco travel insurance plans
- EV range can still be a sticking point
- 10. Deduction for state and local taxes
- 2. Research
- Bond mutual funds = lower returns (but lower risk)
- 5. You cannot have bought the house through a like-kind exchange
- Avianca additional carry-on baggage fees on flights from North America
- Do a visual inspection
- 4. Keep the deadline in mind
- Net worth of U.S. families by income
- 6. Reconsider tax preparers who don't e-file
- Book a Oneworld multi-carrier award flight
- Equity-based crowdfunding
- If your car isn’t recovered
- How to use American Airlines AAdvantage miles
- 7. Blogger
- Mortgage REITs
- Be mindful of third-party sellers
- International travel as an unaccompanied minor
- Part I: Income or Loss from Rental Real Estate and Royalties
- If you want to quit
- It takes more than a yard sign
- Better cash back redemption value
- Hot wallet
- Shorter term: If you refinance to 20 years
- Transparent, competitive pricing
- Costs
- 2. Pick which options to buy or sell
- Draft a business plan
- 4. Real estate investment trusts (REITs)
- 2. Find the Rewards Activity page
- 4. Take surveys for money
- How to get (and pay for) Clear
- 4. Barclays rewards
- 5. Genius Kids
- The details
- Deductibles, limits and payouts
- Gifting points doesn’t count
- 3. Submit your application and wait
- 6. Add your minor child
- Know when to outsource
- 6. Find local gigs through Nextdoor
- What vehicle rentals are excluded?
- Alternative credit cards
- How much does a HELOC cost?
- People who want to cover their final expenses
- 2. Evaluate the stock
- 2. You might be able to book in advance and rebook later
- 8. Be your own boss
- Best for
- 5. Do your due diligence
- 5. Other Caribbean islands
- 6. You can opt to earn airline miles or hotel points — but it’s probably not worth it
- 6. Compare mortgage rates and fees
- Use points to upgrade your seat
- Individual stocks vs. funds
- Pros
- 7. Up to $300 Equinox credit
- 5. The smallest islands only appear at low tide
- You want to redeem points for travel directly
- How to freeze your credit
- SBA loans
- 7. Housesitting
- Guarda: 4.6 out of 5 stars
- Step 5: Be strategic with your money
- 5. Monitor your total credit utilization
- 4. Replace your income, plus add a cushion
- Loss of use coverage
- 4. Earn flexible points using a non-airline credit card
- 5. Financial coach
- Lufthansa Lounges
- 4. You can exchange points for airline miles
- What can business owners use ITINs for?
- Seasonal Energy Efficiency Ratio (SEER) Rating
- Conventional loans
- Equifax business credit scores
- Banks
- 8. Worldwide acceptance
- 1099-A
- Investing in individual tech stocks
- Hotel loyalty programs
- 4. Show up in other ways
- Key factors at play
- Cons
- 1. The person can’t be anyone else’s qualifying child
- Cheap full coverage car insurance companies by state
- High fees for fast funding
- Pros of gold stocks
- Ruby Lane
- Federal protections are minimal in the U.S.
- Cash-out refinancing
- Other student loan calculators
- Comes with more fees
- Advantages
- Open for Business Grant Program in Houston
- Is Apple Cash FDIC-insured?
- The solution
- You drive a company car
- How do I apply for an RV loan?
- Mortgage rates
- When are taxes due in October?
- Manual storage
- Singapore Airlines KrisFlyer
- An example of buying a call option vs. buying the underlying stock
- Build your score and then switch cards
- Allegation of use
- Next Step
- Cheap auto insurance after an accident
- Become a social media influencer
- Don't use all the credit available to you
- 10. Social media management
- 4. Special dividends
- 5. Get a quote
- Can I drop off my car instead of having it picked up at my home or office?
- 13. Firehouse Subs
- 2. Promote your business
- Which is better when?
- When are taxes due in October?
- Your money management style
- 4. Redeem for flights on Alaska Airlines
- Comcast Business
- 6. Earn a companion certificate
- 7. Make on-time payments to build credit
- 3. Set a target purchase price
- How did you arrive at this price and is it negotiable?
- 4. Decide how much to invest in Netflix
- No collections until Fresh Start expires
- Use designated accounts for spending and savings
- 11. Mortgage interest deduction
- Why it’s the best
- Hybrid REITs
- 6. You cannot be subject to expatriate tax
- Injuries to you
- 5. A daily food and beverage credit
- Key terms in this story
- Test drive the car
- Net worth of U.S. families by age
- Gusto
- Down Payment Assistance Loans
- What you can do
- Where to get preapproved for a car loan
- What is Tesla Insurance?
- 7. Confirm they'll sign on the dotted line
- Walt Disney World
- 2. Book as normal and pay with eCredits
- Worldwide Trip Protector benefits
- Cheapest minimum coverage car insurance in Texas for 20-year-olds
- Podcasts
- 2. Evaluate the stock
- Don’t discount membership and store credit card benefits
- Cruising further from the U.S.
- 6. Weigh the value of professional help
- 3. Source your suppliers
- Robust payroll, benefits and HR features
- Stock trading fee
- 7. Hilton at Resorts World Bimini, Bahamas
- 2. Review your Loan Estimates
- Who can claim the Lifetime Learning Credit?
- Our pick for: NFL fans
- 5. Consider off-airport rentals
- How to maximize your rewards
- 4. Capital One Travel
- Debt-to-income ratio
- 5. Gather your paperwork
- Best insurance company for affordability: NJM
- Ages 55 to 64
- Learn how to become:
- 2. Find the right location for your vending machine
- 7. Freelance
- How long will the rental be covered?
- Pay bills on time
- Why you might roll a 401(k) into an IRA
- Potential drawback
- You can negotiate the price
- 6. Enrichment activities for children
- 11. Create a local grocery delivery service
- 6. Growth investing
- Cover your card charges
- Zengo Wallet at a glance
- 8. $300 SoulCycle credit
- See how APYs have moved at high-yield accounts versus regular accounts
- Did you receive a loan through the Paycheck Protection Program?
- 8. Errand-running
- 6. Clean or replace porch lights
- 4. Fly on holidays for free drinks
- TreasuryDirect
- 6. Pack the right gear
- Cash-out refinance
- H&R Block
- 3. Compare ETFs
- Money market mutual funds = lowest returns, lowest risk
- Rocket Money
- 6. Portfolio, investment and asset managers
- Maintaining financial health
- Subscriptions
- Renovation loans to buy and repair fixer-uppers
- Why it’s the best
- Saving for a rainy day (or a fun one)
- 1099-B
- Inverse performance
- Short-term bond funds
- Alaska
- Elite status benefits and goals (or lack thereof)
- 2. The person has to be related to you or live with you
- Cheapest minimum coverage car insurance in California for 20-year-olds
- Optional tips add up
- Cons of gold stocks
- Perkins loans
- Hybrid REITs
- Disadvantages
- Central America
- UBS Visa Infinite Card
- 1. Individual stocks
- What is the Global Entry interview like?
- You need an SR-22 or FR-44 form
- Longer term: If you refinance to 30 years
- Our pick for: Everyday spending
- Emirates Skywards
- Mastercard vs. Visa: Daily results
- Consider a condo
- Try different ways to avoid overspending
- Charity Charge Nonprofit Business Card
- 5. Preferred dividends
- What if someone else’s name is on the title?
- Commit 20% of your income to savings and debt paydown
- Co-signers or co-owners of debt
- Schedule 1: Additional income and adjustments to income
- 14. IHop
- 3. Decide how much stock you want to buy
- Pros of a personal line of credit
- Whole life insurance rates for nonsmokers
- Our pick for: Beginner-friendly features
- Bonus features
- Be consistent
- Additional standard deduction 2023 (taxes due 2024)
- Irrevocable life insurance trusts (ILITs)
- 6. Invest for more than retirement
- 6. Saver's tax credit
- Can I take it for a test drive?
- Legal protection
- Make a plan to pay off debt
- 12. Gambling loss deduction
- Debt management plan
- Plaza Premium Airport Lounges
- 5. If you have high-tier Marriott status, you get free United Airlines Premier Silver Status
- Great Choice Plus Second Loan
- How to get an ITIN
- Trezor
- Net worth of U.S. families by race or ethnicity
- 8. Check if they would have your back
- Benefits
- Make Money
- Read user reviews
- 3. Invest in sectors that perform well in recessions
- If your car is found
- Rewards rate
- 8. Graphic designer
- Webinars
- Etsy
- Creates privacy concerns
- Verizon Small Business Digital Ready Community Grant
- Certain repositioning cruises
- Does smoking void a life insurance policy?
- Carfax Car Care
- Annual grocery spend is less than $6,000
- Book one to three months in advance
- Negotiate deals
- Cold wallet
- Opt for smaller packaging when possible
- For budget-friendly options: Priceline
- 4. Sell some merch
- Get your business registered
- 3. Learn the difference between investing in stocks and funds
- Whether it makes sense for your taxes
- 6. The Learning Experience Academy of Early Education
- Keep your accounts open — especially your oldest
- 11. Business planning service
- 7. Suspend your benefit
- What if I don’t have personal auto insurance?
- How much dwelling coverage do I have?
- 1. Make sure you're eligible
- Keep credit utilization below 30%
- If you want to get out of debt entirely
- Allstate
- In network
- 12. Start a virtual event planning company
- Shop with points via the American Express site
- Cons
- 4. Focus on market cap to screen out risky companies
- 9. Up to $240 in digital entertainment credit
- 6. New islands are still forming
- How to request a copy of your credit report
- TAP Air Portugal earnings rates
- 9. Seasonal chores
- Exodus: 4.5 out of 5 stars
- A second shot for borrowers who rehabilitated and defaulted
- Step 6: Explore ways to make or borrow money
- Publicly-traded REITs
- If your employer doesn’t offer a 401(k) match
- Saving and investing for retirement
- 1. Examine your cooling needs
- Have the car inspected by a mechanic
- USAA: Best for military and veterans
- Experian business credit scores
- SBA lenders
- Methodology
- 9. Coverage if your trip is canceled or delayed
- Apply for TRIP
- 2. Digital assets
- What Ledger is best for
- What do I need for my loan application?
- If you have buyer's remorse
- Fare flexibility/ticket changes
- HEAL loans
- 3. Decide how much stock you want to buy
- Refresh your holiday budget
- What are other ways to transfer Apple Cash?
- 2. Mutual funds
- Custodial wallet
- 7. Plan to reassess
- Lacks scalability
- You can use credit card benefits to travel in basic economy
- British Airways Executive Club
- Car insurance from an independent agent or broker
- REITs
- International trademark registration
- Ages 65 to 74
- 5. American Express Membership Rewards
- 6. Dividend funds
- 8. Tutor your peers
- 'Authorized user' status
- 15. Melting Pot
- Low-down-payment mortgages
- Whole life insurance rates for smokers
- Potentially more incentives
- Account linking
- 7. Gather your loan paperwork
- 2023 tax rates by state
- Additional standard deduction 2024 (taxes due 2025)
- Full details about Zengo Wallet's ratings
- Fare flexibility/ticket changes
- Pros of limited partnership
- 7. Keep cold air from coming in the windows
- Nationwide the EV infrastructure is in its infancy
- 13. IRA contributions deduction
- Liability coverage
- Bankruptcy
- 5. Earn an airline companion pass
- 4. Make the trade
- 7. Wealth advisors
- White-labeling
- Why should business owners obtain an ITIN?
- Your stolen stuff
- Net worth of U.S. families by education
- 1. Decide on an account type
- OnPay
- What you need to get preapproved for a car loan
- 1099-C
- Investing in tech funds
- Disneyland
- Florida
- Honorable mention: Wellcare
- Cheap full coverage auto insurance for drivers with an accident or DUI
- Publicly-traded REITs
- Pros and cons of cash-out refinancing for a swimming pool
- Gusto Impact Award
- U.S. Bank Altitude™ Reserve Visa Infinite® Card
- Purchasing a Plumeria Lounge day pass
- After you're approved for Global Entry
- Will an insurance company know if I lie about my smoking habits?
- You want to maintain continuous coverage
- Lower annual fee
- Loan limits
- Same-day flight switch
- 8. Zemi Beach House, Anguilla
- Shop around for the best rate
- 6. Show your military ID
- 5. Money market funds
- 3. Figure out how much you can still spend toward the cap
- 5. Make money from your blog with affiliate links
- 5. Upwork
- Be strategic about new credit applications
- 2. Managing money
- 12. Tax consulting
- What’s covered and what’s not
- Example CD APYs at select institutions
- How does coverage vary for international rentals?
- 2. Determine a repayment strategy
- Schedule 2: Additional taxes
- Keep credit accounts open
- Out of network
- 7. Mobile apps and entertainment for children
- 7. Value investing
- Use points toward online purchases elsewhere
- Level of risk
- 10. $189 Clear credit
- 7. Hardship withdrawals
- Frontier
- 7. Take advantage of no change fees on eligible fares
- Can I get a pre-purchase inspection?
- 10. Selling handmade crafts
- 5. Watch for sales (They happen frequently)
- Home equity sharing agreement
- TurboTax
- 4. Borrow from your 401(k)
- International American Express Lounges
- 6. You can give yourself a ‘points advance’
- 2. Time it right
- Government-backed loans
- Other types of savings accounts
- 10. Baggage delay insurance
- Baggage and boarding
- Eureka
- 1. Think long term versus short term
- Repayment may lead to an overdraft
- How to use British Airways Avios for a flight to Hawaii
- 9. Video producer
- Cheapest auto insurance in Texas for 20-year-olds with poor credit
- South America
- Part II: Income or Loss From Partnerships and S Corporations
- Upside
- 1. Get a grasp on your new budget
- Hire an attorney
- Compare offers
- 4. Price your product
- Limited integrations
- Iberia Plus
- How to maximize your rewards
- Down payments and gift funds
- 6. Pick your investments
- Next Step Cash Assistance Loan
- 16. Moe’s Southwest Grill
- Why you might not want to roll a 401(k) to an IRA
- 1. Restricting regulations
- 5. Select your retirement investments
- 13. Sell zero-waste products
- Resident status rules
- Baggage and boarding
- 7. Chat with an advisor
- Wells Fargo Platinum Business Checking
- Cons of limited partnership
- Government bonds
- Did you work in multiple states?
- Paperwork and compliance
- Step 7: Examine your health care options
- Develop good credit habits
- 14. 401(k) contributions deduction
- Debt settlement
- Public non-traded REITs
- Money Manager
- Get your finances in order
- Online lenders
- 2. Choose the right broker
- Homes for Veterans Program
- Book round-trip flights
- 1099-CAP
- Ledger at a glance
- How Tesla Insurance works
- Transfer partners
- 4. Focus on the long-term
- Whether it might be better to earn points instead
- 3. The person’s gross income is below the limit
- Cheapest auto insurance in California for 20-year-olds with poor credit
- Travel Medical Protector benefits
- Individual gold stocks
- Goals: Keep them realistic
- Swappa, Gazelle
- Contractor financing
- 1. Choose a name for your PLLC
- Amegy Bank Small Business Boost Program
- Can I transfer Apple Daily Cash money to my bank account?
- Can you be denied life insurance if you smoke?
- Crowdfunding real estate platforms
- 7. Book with a credit card that has rental car perks
- How to maximize your rewards
- 5. Offer memberships
- Fleet expense management tools
- 4. Put your stock research into context
- Responding to trademark office actions or oppositions
- Cheapest car insurance after a DUI
- 8. Use a do-over
- 9. Take surveys
- 1. Avoid filing your tax return on paper
- Space out credit applications
- 7. Elite status can be hard to get except through a credit card
- What’s next?
- Security
- Redeem for gift cards
- 11. Reimbursement of application fees for TSA Precheck or Global Entry
- How does TrueCar's True Cash Offer work?
- Average annual car insurance costs from large companies
- 11. Making greeting cards
- Coinbase Wallet: 4.4 out of 5 stars
- Winner: Virgin Atlantic
- There are upfront costs to charge at home
- 8. Robo-advisor
- 3. Look for equipment rebates and tax credits
- Ledger
- 11. Rental car coverage
- Scheduled personal property
- Statement credits
- Taxes
- Pay with a credit card that earns bonus rewards on rental cars
- 2. Look into tax-loss harvesting
- Nevada
- SBA 504 loan eligibility
- 10. Photographer
- Parent PLUS loans
- Public non-traded REITs
- Watch the calendar
- Appraisal fee
- 3. Index funds
- In case of medical emergencies
- Mutual fund transaction fee
- 3. Loan processing takes over
- Is the Lifetime Learning Credit refundable?
- Choose standard shipping
- 3. Predict the option strike price
- Purchase insurance and get licenses
- Chubb: Best for high-value homes
- 6. Capital One Rewards
- Pretax profit margin
- 7. All About Kids
- What is the procedure for filing a claim?
- How are my belongings covered?
- Schedule 3: Additional credits and payments
- 17. P.F. Chang’s
- Cons of a personal line of credit
- Down payment assistance programs
- If you want to help your credit
- 8. Shared accessories and attire
- 14. Make products for pets
- 8. Get a preapproval letter
- Equipment financing
- Airline partner earning rates
- Most popular
- Personal loan
- 7. Stay for five, pay for four
- Hardest Hit Fund
- Shop around for lenders
- 1099-DIV
- If you're worried about overspending
- Bank certificates of deposit, or CDs
- Seat selection
- InboxDollars Surveys
- 4. You have to provide more than half the person’s total financial support for the year
- Budget: Factor in all the costs
- 2. Designate a registered agent for your PLLC
- Downside
- What happens if you are declined?
- Streaming perks
- Set a price alert
- Consider car make and model
- Property standards
- Perks await when you fly economy with elite status
- 13. PR agency
- Dividend per share (DPS)
- 2. Get direct deposit
- 3. Sell your castoffs
- Monitor your credit reports
- Best for
- Our pick for: Fixed monthly payments
- Have an estate plan in place
- Donate to charity
- 5. Research the stocks
- 5. Add a free stopover
- 12. Up to $100 in statement credits annually at Saks Fifth Avenue
- Seat selection
- 8. Emergency savings
- 8. Veterans and their families can save 10% on airfare
- 12. Art teacher
- Find your niche
- The fresh start will be reflected on credit reports
- 8. Check the campground schedule
- 15. Saver’s credit
- Medical payments coverage
- Checked bags for elite members
- On-demand printing or manufacturing
- ITIN vs. SSN
- Credit unions
- 12. Travel assistance
- Avoid traveling to certain countries
- Blanket personal property
- Full details about Ledger's ratings
- Transfer to airlines
- New Hampshire
- Set cash aside
- Tactic 3: Use your military benefits
- Dayton Community Development Corporation grant programs
- Europe
- Discount points
- You typically borrow a car from someone in your household
- 2. Call your issuer
- Square Payroll
- 9. Embassy Suites by Hilton Dorado del Mar Beach Resort, Puerto Rico
- Pay with points and miles
- How quickly could the IRS implement the child tax credit expansion?
- 6. Sell your wares on Etsy
- How to have more taxes taken out of your paycheck
- 10. Search for regular jobs for kids
- 18. Pinkberry
- No-exam life insurance rates for nonsmokers
- 6. Mexico
- Pressure to make a purchase
- 15. Create custom clothing
- Customer support
- 8. Income investing
- Marriott Hotels in Las Vegas
- Wells Fargo: Winning by default
- Other general-purpose travel card reviews
- Stocks
- Invest in your financial future
- Private REITs
- AndroMoney
- 9. Financial therapist
- 3. Open the account
- Earning rates
- 3. Hold the shares inside an IRA, a 401(k) or other tax-advantaged account
- SBA 504 loan interest rates and fees
- How to use Alaska miles for an American flight to Hawaii
- Gold stock ETFs
- 11. Podcast host
- Cheapest auto insurance in Texas for 20-year-old drivers with one speeding ticket
- Pros and cons of using contractor financing for a swimming pool
- Rebook if you find a cheaper price
- 5. Find your customers
- 4. The underwriter makes a decision based on your documentation
- Don't throw out your packaging
- File taxes online with tax software
- For booking travel experiences beyond the cruise: TripAdvisor
- How to maximize your rewards
- 5. Kiwi
- FHA appraisal
- Set up a business bank account
- 6. High-yield savings accounts
- Our pick for: Cell phone and internet bill payments
- Net profit margin
- The details
- Example money market account APYs at select institutions
- Dividend yield
- Is there enough liability coverage?
- 3. Stay on top of things
- Appendix: How the math works in our examples
- Amica
- Potential drawback
- Prudence's policy:
- 8. You can status match
- Part-year resident status rules
- 13. Walmart+ Monthly Membership Credit
- AT&T Business
- Credit unions
- 13. Musician
- Describe your products and services clearly
- EVs come with an element of the unknown
- 16. Health savings account contributions deduction
- Get prequalified
- EIN vs. SSN
- Home equity loan
- 13. Purchase protections
- 1099-G
- Google Opinion Rewards
- Cheapest auto insurance in California for 20-year-old drivers with one speeding ticket
- Private REITs
- Audience: Review your target audience
- 3. Get business licenses for your PLLC
- Citi Prestige® Card
- Part III: Income or Loss From Estates and Trusts
- You regularly borrow the same car from someone you don’t live with
- Our pick for: Flat-rate travel rewards
- Car insurance from specialty agencies
- Best insurance company for accident forgiveness: Geico
- Mortgage Credit Certificate
- 7. Citi ThankYou Points
- 6. OfferUp
- 14. Professional organizing
- 19. Pizza Hut
- 2. Initial cost
- No-exam life insurance rates for smokers
- Less financing flexibility
- Selling a car to TrueCar
- Earning rates
- Business term loans
- Other program partners
- Trust Wallet: 4.3 out of 5 stars
- Dropshipping
- Paying with a private-party auto loan
- Resident status rules
- RemodelNY
- Book a trip
- Upgradeability
- Link your Amazon account
- South Dakota
- Cheap full coverage car insurance for drivers with poor credit
- Elite status
- Consider using a retirement account
- San Antonio Economic Development Department grant programs
- Escrow account funds
- 3. Agree only to terms you can afford
- Ask about discounts
- An example of selling a call option
- 4. Determine the option time frame
- Benefits
- 4. Set a budget for your stock market investment
- How to have less taxes taken out of your paycheck
- 8. KidsPark
- Term life insurance
- 4. Earn badges through Live videos
- Scenario: Doctor visits and an MRI
- 16. Sell vintage clothing online
- User experience
- 9. Choose a real estate agent carefully
- 9. Download the app for free inflight entertainment
- Pros of C corporation
- 14. Music lessons
- Offer great customer service
- Pros of a 203(k) loan
- 9. Drive carefully
- Bonds
- 17. Self-employment expenses deduction
- 5. Enter a debt management plan
- Hire a builder
- EIN vs. ITIN
- American Family
- Grant programs
- 4. Fund the account
- 14. Customer service without the wait
- 1099-INT
- The risks and rewards of each
- 4. Call in a pro
- SBA 504 loan collateral
- 12. Social media consultant
- Content: Focus on quality
- 4. File your articles of organization
- You drive rarely or not at all
- Gusto
- Expense ratios
- 10. Harbor Club St. Lucia, Curio Collection by Hilton
- Cheapest auto insurance for poor credit
- 15. Photography
- What are the deductibles?
- 4. One more thing to know about your tax refund
- 20. Red Robin
- 9. Shared home improvement equipment
- 9. Socially responsible investing
- 1Money
- Paying with a personal loan
- Book a 40,000-point room with the free night certificate
- Pay upfront
- Swagbucks
- So, which one?
- Tennessee
- 4. Set a budget for your stock market investment
- Be flexible with destination, airport and dates
- Drawbacks
- 7. Self-publish an e-book
- 3. Find your vending machine
- Permanent life insurance
- 3. Ongoing investment
- If you want to resolve the default quickly or already rehabilitated the loan
- 17. Begin niche blogging
- Reviews
- Apple Card
- Past years' state tax rates
- Nonresident status rules
- 14. Access to the American Express Global Lounge Collection at airports
- Upgradeability
- 10. Browse flights on the low fare calendar
- Cons of C corporation
- Online lenders
- Corporate bonds
- 15. Farmers market vendor
- Methodology
- Be reactive and flexible
- Cons of a 203(k) loan
- 18. Home office deduction
- Wholesaling and warehousing
- Get preapproved
- Allianz Global Assistance
- Home equity line of credit
- Where is the best place to exchange currency?
- Head of household filing status
- Cheapest auto insurance in Texas for 20-year-old drivers with one at-fault crash
- Tracking: Identify key metrics
- Vanguard 500 Index Fund (VFIAX)
- Lubbock Economic Development Alliance grants
- Africa
- Flood determination and monitoring fees
- Part IV: Income or Loss From Real Estate Mortgage Investment Conduits (REMICs)
- 6. Get the logistics down
- 5. Your loan is cleared to close
- Get an equipment financing loan
- 7. CDs
- How to use a W-4 to owe nothing on a tax return
- 8. Bank of America® rewards
- Dividend payout ratio
- 21. Starbucks
- How do you get a perfect credit score?
- Our pick for: An upgrade path
- 10. Narrow down your ideal type of house and neighborhood
- How much is auto insurance after an at-fault accident?
- MetaMask: 4.0 out of 5 stars
- Mutual funds
- 1. Live in the house for at least two years
- Paying by cash or check
- 5. Help your kid decide what to invest in
- 1099-K
- Is Tesla Insurance worth it?
- Texas
- Business loans
- Cheapest auto insurance in California for 20-year-old drivers with one at-fault crash
- 13. Dropshipper
- 5. Draft an operating agreement
- 4. Exchange-traded funds
- Refinancing
- Hire and work with a tax preparer or another tax pro
- Our pick for: NBA fans
- Mastercard vs. Visa vs. Oanda: Weekly results
- Mortgage insurance
- 16. Event space
- Best for
- Amex EveryDay® Credit Card
- 15. Centurion Lounge Complimentary Guest Access
- 16. Candle maker
- Access to repayment options and forgiveness is restored
- 10. Head south
- 19. Educator expenses deduction
- Bonzah
- Online financing platforms
- 3. Precious metals
- How do I find a currency exchange near me?
- Child tax credit
- Why Chase Ultimate Rewards® can be the best option
- Vanguard Total Stock Market Index Fund (VTSAX)
- In-ground vs. above-ground pool cost
- Middle East
- Government recording fees
- To match with a vacation planner: Avoya Travel
- American Airlines credit cards
- Delta Airlines credit cards
- JetBlue credit cards
- Southwest Airlines credit cards
- United Airlines credit cards
- Other airlines' credit cards
- Get a small business term loan
- Country Financial: Best for using an agent
- 7. Poshmark
- 11. Monetize your social media accounts
- 22. Wingstop
- 5. Build a community
- 4. Potential for conflict
- Scenario: Trip to the ER
- 18. Become an e-book writer
- Silver benefits on partner flights
- Save
- 2. See whether you qualify for an exception
- Get final approval
- Part-year resident status rules
- Energy Star Labeled Homes Program
- Stay at least four nights for rewards bookings
- Value per point
- Determine if your quotes are a good deal
- 6. Pay PLLC taxes and file annual report
- The Alamo Small Business Grant Program
- Allstate
- QuickBooks Payroll
- 1. Get Hilton elite status and use the 5th free night benefit
- Property-based passive income ideas
- Your next step
- 9. Primrose Schools
- 17. Interior decorating
- Pros
- Auto-Owners
- Potential drawback
- 10. Vacation rentals
- Hilton Hotels in Las Vegas
- 17. Retail arbitrage
- Exchange-traded funds
- Winner: Virgin Atlantic
- 20. Solar tax credit
- Rental Cover
- Cash-out refinance
- Where can you exchange currency for free?
- Book through another third-party service
- Washington
- SBA loans
- Child and dependent care tax credit
- 14. Consultant
- Vanguard Total Bond Market Index Fund (VBTLX)
- Other installation costs to consider
- Asia
- Capital One Venture X Rewards Credit Card
- Loan-origination charges
- An example of buying a call
- 6. BookWithMatrix
- Get a 0% intro business credit card
- 8. Get advertising revenue from your blog or YouTube channel
- 5. Focus on investing for the long-term
- 12. Get paid to stream on Twitch
- 23. Red Lobster
- Long-term goals vs. short-term goals
- More from NerdWallet
- 16. Upgrade to Marriott Bonvoy Gold Elite status
- 3. Keep the receipts for your home improvements
- Auto Club Group
- 1099-LTC
- Cheapest auto insurance in Texas for 20-year-old drivers after a DUI
- American Family
- Is an import/export business profitable?
- 3. Building a budget
- 18. Woodworking or furniture building
- U.S. Bank Altitude™ Reserve Visa Infinite® Card
- Cons
- Common life insurance terminology
- 5. Lack of financial privacy
- 19. Start ghostwriting
- Pros of S corporation
- Payday lenders
- 18. Graphic designer
- Hurricanes and wind damage
- Electrum: 2.5 out of 5 stars
- Winter weather
- 21. Energy efficient home improvement tax credit
- Expand your coverage with endorsements
- Sure
- Premium cabin award availability
- Online lenders
- Earned income credit
- Cheapest auto insurance in California for 20-year-old drivers after a DUI
- Using American Express Membership Rewards points
- 15. Event or wedding planner
- Stay true to your brand
- Pumpkin vs. Lemonade
- Vanguard Balanced Index Fund (VBIAX)
- 5. Focus on investing for the long-term
- Which one should I take?
- Mortgage insurance or fees for government-backed loans
- Sales load
- Our pick for: Customizable bonus categories
- 8. Buy a rental property
- Best insurance company for having few customer complaints: American Family
- Tornadoes
- Hurricanes
- Self-funding
- More from NerdWallet
- 11. Electronics repair
- 17. Upgrade to Hilton Honors Gold status
- Gold, Navigator benefits on partner flights
- Access to short-term relief
- Invest
- Nonresident status rules
- 4. Collectibles
- 1099-MISC
- How much is a Tesla?
- Wyoming
- 7. Comply with additional state and federal regulations for PLLCs
- Oceania
- American Modern
- How do import/export companies make money?
- 2. Use a Hilton credit card during your stay to earn even more points
- An example of buying a put
- 2020-2022 earned income credit amounts
- 4. Explore your financing options
- Our pick for: No security deposit, low annual fee
- 20. Become a resume writer
- 11. Stick to your budget
- American Express® Green Card
- Other details you should know about Zengo Wallet
- Cons of S corporation
- 19. Technology tutor
- Flooding
- 22. Electric vehicle tax credit
- Personal loan
- Use the Global Entry/TSA Precheck credit (or gift it to someone else)
- Business credit cards
- Adoption credit
- Keep it relevant, useful and authentic
- Vanguard Growth Index Fund (VIGAX)
- Winter storms
- Pay off debt
- Best Western credit cards
- Hilton credit cards
- Hyatt credit cards
- IHG credit cards
- Marriott credit cards
- Wyndham credit cards
- Other hotel credit cards
- Thunderstorms and hail
- 10. Kids ‘R’ Kids Learning Academies
- The details
- 19. Graphic design
- Complimentary ShopRunner membership
- 24. American Eagle
- California earned income tax credit (CalEITC)
- 18. Money-saving perks for stays booked through The Hotel Collection
- High-interest installment lenders
- Floods
- FHA Plus Program
- If you want to pay later
- Using Citi ThankYou Points
- 16. Ecommerce reseller
- Pool maintenance costs
- America’s Seed Fund
- Pest inspection
- Farmers
- What is an export license?
- Home purchase: Basic Home Mortgage 203(b)
- 9. Rent out your own house
- 6. Manage your stock portfolio
- Cheapest car insurance for young drivers
- Who needs life insurance?
- 1. Access to capital
- Tornadoes
- 21. Open a coworking space
- Venmo Credit Card
- Low-risk vs. high-risk investing strategy
- 20. Blogger
- Flooding
- 1099-NEC
- Personal loans
- Customize your content for each channel
- Vanguard Small Cap Index Fund (VSMAX)
- Conventional loans
- To book a vacation package with an airline or hotel
- 9. Become an Instagram influencer
- Winter storms and freezing temperatures
- Our pick for: Maximized value
- How to compare life insurance quotes
- 20. Clothing boutique
- Financial assistance
- No foreign transaction fees
- 25. Anthropologie
- Chubb
- California young child tax credit (YCTC)
- 19. Complimentary benefits through Fine Hotels & Resorts
- Pay off debt
- 5. Commodities
- Partner award opportunities
- Pumpkin vs. Spot
- 6. Manage your stock portfolio
- Prepaid expenses
- Foremost
- What documents do I need to import goods?
- Avoid taking on more debt
- How to maximize your rewards
- FHA refinance loans
- 1. Has the W-4 form changed?
- 4. Saving money
- Average car insurance costs after a speeding ticket
- 21. Podcaster
- Auto-Owners
- Tesla repair costs
- Business grants
- 17. Gig worker
- Cheapest full coverage car insurance in Texas for 30-year-olds
- Fully utilize content
- Vanguard Total International Stock Index Fund (VTIAX)
- Hail damage
- Amber Grants
- Capital One Venture Rewards Credit Card
- 10. Get a roommate
- Flooding
- Hail
- Life insurance quotes vs. rates
- 21. Bed and breakfast
- Fidelity® Rewards Visa Signature® Card
- Insurance protections
- 26. Banana Republic
- 2. Efficient growth
- 12. Academics courses
- 22. Become an online coach
- Do-it-yourself vs. hiring professional help
- 12. Make the most of walk-throughs and open houses
- California child and dependent care tax credit
- Wind and hail damage
- 1099-OID
- Cheapest full coverage car insurance in California for 30-year-olds
- Geico
- For credit scores of 690 or higher
- FHA loans
- Wait to apply
- If you owe taxes
- American Express® Gold Card
- Pros of LLC
- Earthquakes
- 22. Social media influencer
- 6. Real estate
- Other details you should know about Ledger
- Some Budget locations have free pickup service
- Flooding
- Tax monitoring and research fees
- Management or advisory fees
- Alternative investment passive income ideas
- NJM: Best small regional insurer
- 2. What does it mean to be exempt from taxes?
- 11. Adventure Kids Playcare
- 22. Food truck
- 27. DSW
- Our pick for: No security deposit, low annual fee, potentially high credit limit
- 23. Flip failing websites
- California adoption cost tax credit
- Is Zengo Wallet right for you?
- 20. Free shipping with ShopRunner
- Thunderstorms and hail
- How much are car insurance quotes?
- Landslides
- Repeat
- Graduate to Homeownership Program
- 1099-PATR
- 18. Life coach
- NASE Growth Grant
- Progressive
- FHA renovation loans
- 10. Monetize your Twitch channel
- How much life insurance do you need?
- 3. Minimal employee supervision
- Cons of LLC
- Wildfires
- 23. Live-streaming gamer
- Ledger: 5.0 out of 5 stars
- Winner: Virgin Atlantic
- Fully underwritten life insurance
- Consider the welcome offer
- Title-related costs
- Our pick for: Bank of America® customers
- If you’re getting a tax refund
- Best insurance company for financial strength: Auto-Owners
- Cheapest auto insurance for senior drivers
- Tornadoes
- 28. J. Crew Factory
- 13. Language courses
- 24. Become a web developer
- California nonrefundable renters tax credit
- 21. Concierge service
- Wildfires
- Above-the-line deductions
- NYC tax rate schedule
- 1099-Q
- Budget also rents other equipment
- Comparing full coverage car insurance quotes
- Cheapest minimum coverage car insurance in Texas for 30-year-olds
- State Farm
- For any credit score
- Other specialty FHA loans
- 11. Peer-to-peer lending
- 23. Restaurant or cafe
- Sinkholes
- 13. Don’t skip the home inspections
- How we review crypto wallets
- Average car insurance costs after a DUI
- 24. Photographer or videographer
- Is Ledger right for you?
- Cheapest minimum coverage car insurance in California for 30-year-olds
- 19. Virtual assistant
- Our pick for: Select professional sports teams
- 5. Stock your vending machine with inventory
- 29. Journeys
- 4. Increased brand awareness
- Farmers
- 25. Start a podcast
- 22. Low fares through the International Airline Program
- 1099-R
- Understand your eligibility
- USAA
- Wildfires
- 3. When should I review my W-4?
- 12. Lightbridge Academy
- 24. Craft brewery
- How life insurance is priced
- The Platinum Card® from American Express
- 25. Web designer
- Trezor: 4 out of 5 stars
- Below-the-line deductions
- Simplified issue life insurance
- Weigh other credit card benefits you’re potentially leaving on the table
- 30. Madewell
- 5. Reduced risk
- 26. Be a social media influencer
- Capital One® Walmart Rewards™ Mastercard®
- 23. Savings with the Cruise Privileges Program
- Which factors determine car insurance quotes?
- Neighborhood Revitalization Program
- 1099-S
- How we review crypto wallets
- Dividends and preferred stock
- 20. Pet sitter and dog walker
- American Express® Gold Card
- 12. Private equity
- 11. Sell your photography
- The details
- Our pick for: Average credit and rewards
- 14. Business or marketing courses
- 14. Negotiate with the seller
- Pros
- 26. Transcription
- Budget offers rental car insurance
- Cheapest auto insurance in Texas for 30-year-olds with poor credit
- Note application deadlines and awards dates
- 401(k) fees
- 4. Can I adjust my W-4 multiple times throughout the year?
- 25. Ice cream shop
- 31. Old Navy
- 6. Evaluate the price of the business with the earnings, assets or market approach
- 24. Car Rental Privileges
- Business entity summary
- Guaranteed issue life insurance
- Factor in long-term value
- Cheapest auto insurance in California for 30-year-olds with poor credit
- Real estate agent commissions
- 6. Make the right investments
- 27. Create online courses
- SafePal: 3.8 out of 5 stars
- 1099-SA
- Selling bonds
- 21. Remote travel agent
- Our pick for: Prime gaming
- USAA: Best for military and veterans
- 13. College Nannies, Sitters, and Tutors
- 26. Personal chef
- 32. Target Circle
- 25. Deals through the Amex Auto Purchasing Program
- 27. Data entry
- 7. Private equity
- Consider financing alternatives
- Property and transfer taxes
- Coverage options
- Our pick for: Paying rent
- 1. Loss of complete brand control
- Geico
- 15. Personal wellness
- 28. Become a marketing consultant
- 15. Buy adequate home insurance
- American Express® Business Gold Card
- Cons
- Most popular: HO-3 insurance
- The Hanover
- What should you do if you’re invested in these REITs?
- 13. Crypto staking
- Best insurance company for discounts: Amica
- 27. Landscape services
- 26. An extra point when booking Platinum Destinations Vacations
- 28. Create an app or online game
- Manufactured Home Mortgage Program
- 22. Tour guide
- Cheapest auto insurance in Texas for 30-year-old drivers with one speeding ticket
- Title insurance
- How quickly do you want to launch your store?
- Methodology
- Alternative investment pros
- Cheapest auto insurance in California for 30-year-old drivers with one speeding ticket
- Capital One Savor Cash Rewards Credit Card*
- 28. Pet grooming
- 33. Aveda
- 2. Increased potential for legal disputes
- Our pick for: Average credit and no annual fee
- 29. Develop an app
- 27. Additional value through the InCircle rewards program
- Apple Cash: digital card
- Budget roadside assistance
- Winner for lowest fees: Spirit
- 23. Bookkeeper
- Deductibles
- 12. Become a dog walker with Rover or Wag
- 5. Maximizing your credit cards
- Your house
- Broadest coverage: HO-5 insurance
- Look up the insurer’s financial strength
- What specialty features do you need?
- 29. Florist
- 34. BareMinerals
- 16. Courses in hobbies or interests
- 28. AmEx Carbon Emissions Tracker
- 24. Personal trainer
- Benefits of FHA loans
- Your location
- If you’d rather be a free agent
- 3. Initial investment
- 30. Make a smart appliance
- Average annual car insurance costs for drivers with good vs. poor credit
- Cheapest auto insurance in Texas for 30-year-old drivers with one at-fault crash
- Company strength and customer service
- Product creation passive income ideas
- 35. Clinique
- The Business Platinum Card® from American Express
- Cash App debit card
- Nationwide
- Give Us Credit
- Alternative investment cons
- Cheapest auto insurance in California for 30-year-old drivers with one at-fault crash
- Do you want to be tied to a specific marketplace?
- Disadvantages of FHA loans
- 30. Massage therapist
- You and your stuff
- Liberty Mutual
- 31. Tap into virtual reality experiences
- Limited coverage: HO-1 and HO-2 insurance
- Research the insurer’s reputation for customer service
- Our pick for: NHL fans
- 13. Sell unused gift cards
- 36. CVS
- 4. Federal and state regulation
- 17. Bookkeeping and accounting
- 29. The Global Dining Access by Resy
- 1. Look at customer satisfaction scores
- 25. Baker
- Citi® / AAdvantage® Executive World Elite Mastercard®
- 14. Write content
- Our pick for: Limited credit
- 32. Make a niche dating site
- Individual stocks
- How important is e-commerce compared with your other revenue streams?
- Erie: Most generous coverage
- 37. e.l.f. Cosmetics
- 30. Exclusive events
- 2. Consider financial strength
- Cheapest auto insurance in Texas for 30-year-old drivers after a DUI
- 31. Nutritionist
- 33. Develop a chatbot
- Cheapest auto insurance in California for 30-year-old drivers after a DUI
- Best insurance company for customer satisfaction: State Farm
- Our pick for: Target gaming purchases
- 6. Borrowing money
- Pros
- 38. Lancome
- 7. Secure capital to make the purchase
- 18. Consulting
- 31. An open invitation to events with Membership Experiences
- 3. Evaluate the policy options
- 14. List your spare bedroom on Airbnb
- 32. Personal trainer or fitness instructor
- 34. Offer matchmaking skills
- State Farm
- How much do you rely on omnichannel sales?
- Cons
- 39. Sephora
- 32. A better view with American Express Preferred Access
- Dividend stocks
- Replacement cost vs. actual cash value
- For cruise package deals: Costco Travel
- Nationwide
- 35. Be a virtual assistant
- 4. Get prices from a handful of companies
- Delta SkyMiles® Platinum Business American Express Card
- 15. Publish a digital course
- 33. Beauty services
- 40. SmashBox
- Our pick for: Good credit
- How much is auto insurance for young drivers?
- Cheapest full coverage car insurance in Texas for 40-year-olds
- 34. Life coach
- 41. The Body Shop
- 19. IT support
- 36. Reinvent exercising
- Cheapest full coverage car insurance in California for 40-year-olds
- Car-related passive income ideas
- 33. No foreign transaction fees
- Nationwide: Best online experience
- 42. Ulta
- 37. Create eco-friendly, health-friendly makeup and beauty products
- Travelers
- Best insurance company for military members: USAA
- 15. Sell your gently used clothes
- 34. Upgrade with points
- Directly with the Cruise Line
- 16. Wrap your car with ads
- 35. Tutor
- 20. Graphic design
- 38. Open a food truck or restaurant pop-up
- What is a prepaid debit card?
- Cheapest minimum coverage car insurance in Texas for 40-year-olds
- United Club℠ Infinite Card
- Our pick for: Fitness clubs
- Progressive
- Our pick for: Travel
- 35. No preset spending limit
- Homeowners insurance deductibles
- Cheapest minimum coverage car insurance in California for 40-year-olds
- 36. Daycare provider
- 43. AMC Theatres
- 39. Start an organization business
- 17. Rent out a parking space
- 36. A lower annual fee on additional cards
- Average annual car insurance costs for young drivers by company
- What is a prepaid credit card?
- Our pick for: Walmart gaming purchases
- 44. Barnes & Noble
- 40. Do interior design for young professionals
- 16. Trade in old phones, electronics for cash
- 37. Senior care provider
- 21. Social media management
- 37. CreditSecure
- Where can you get a prepaid card?
- Cheapest auto insurance in Texas for 40-year-olds with poor credit
- 45. Redbox
- How to compare renters insurance
- Cheapest auto insurance in California for 40-year-olds with poor credit
- Openly: Fewest consumer complaints
- 38. Interpreter or translator
- How do you add money to a prepaid card?
- USAA
- Our pick for: Instant gratification
- Marriott Bonvoy Brilliant® American Express® Card
- 39. Housecleaning
- Which prepaid card is best?
- 17. Get a babysitting gig
- 22. Marketing copywriter
- 38. Cell phone protection
- Cheapest auto insurance in Texas for 40-year-old drivers with one speeding ticket
- Cheapest auto insurance in California for 40-year-old drivers with one speeding ticket
- 7. Your credit score
- 40. Automotive repair
- 39. Purchase protection
- 23. Virtual assistant services
- 41. Handyman services
- 40. Return protection
- 18. Rent out your car
- Our pick for: PlayStation purchases
- Cheapest auto insurance in Texas for 40-year-old drivers with one at-fault crash
- Our pick for: Personalized rewards
- 41. Extended warranty
- You have a roommate
- Cheapest auto insurance in California for 40-year-old drivers with one at-fault crash
- Prime Visa
- 42. Dry cleaners
- If you want both brand-specific perks and flexible points
- 8. Close the deal with the appropriate documents
- Our pick for: Soccer moms and dads
- State Farm: Best perks
- 42. Baggage insurance plan
- 43. Hardware store
- 1. Do your research
- 43. Car rental loss and damage insurance
- You’re on a tight budget
- Cheapest auto insurance in Texas for 40-year-old drivers after a DUI
- 19. Sign up for TaskRabbit
- 44. Self-storage business
- 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
- 45. Freelance copywriting and content creation
- You would want new items if your belongings were destroyed
- Verizon Visa® Card
- 45. Trip delay insurance
- 46. Rideshare driver
- 20. Become a private tutor
- 3. Find the right financing
- 46. Trip cancellation and interruption insurance
- You own expensive jewelry or electronics
- 47. Website development and design
- Cheapest full coverage car insurance in Texas for 50-year-olds
- Cheapest full coverage car insurance in California for 50-year-olds
- 48. Sell clothes online
- 47. Premium Global Assist Hotline
- Our pick for: Best Buy purchases
- You’re a first-time home buyer
- You have a dog
- 21. Drive for Uber, Lyft
- 8. Taxes
- 49. SEO consultant
- Cheapest minimum coverage car insurance in Texas for 50-year-olds
- 50. App development
- Airport lounge access
- Trip cancellation
- Cheapest minimum coverage car insurance in California for 50-year-olds
- You live in a high-risk area
- Cell phone protection
- Trip interruption
- 22. Make deliveries for Amazon, Uber Eats
- Purchase protection
- Cheapest auto insurance in Texas for 50-year-olds with poor credit
- You have a dog
- 9. Paying off debt
- Trip delay
- Cheapest auto insurance in California for 50-year-olds with poor credit
- In-flight extras and checked bags
- Return protection
- 23. Find work as a housesitter
- Extended warranty
- Cancel For Any Reason
- You own valuable items
- Cheapest auto insurance in Texas for 50-year-old drivers with one speeding ticket
- Baggage insurance plan
- Cheapest auto insurance in California for 50-year-old drivers with one speeding ticket
- Our pick for: Digital Microsoft Store purchases
- Pros of buying a business
- Baggage delay
- Global Entry and TSA PreCheck
- Car rental loss and damage insurance
- 24. Sign up to be a mystery shopper
- You own an older home
- Trip delay insurance
- Lost baggage
- Cheapest auto insurance in Texas for 50-year-old drivers with one at-fault crash
- Bonus points on spending
- Cheapest auto insurance in California for 50-year-old drivers with one at-fault crash
- Trip cancellation and interruption insurance
- Travel medical 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
- Trip insurance benefits
- Conditions common to your dog’s breed
- 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
- Your dog’s energy and activities
- Car rental coverage
- Cheapest minimum coverage car insurance in Texas for 60-year-olds
- Wellness expenses
- 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
- Decide whether your cat needs insurance
- Cheapest auto insurance in Texas for 60-year-old drivers with one speeding ticket
- Wellness expenses
- 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
- 11. Investing
- Cheapest auto insurance in California for 60-year-old drivers with one at-fault crash
- 1. Check whether your pet is eligible
- 2. Research what’s covered
- 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
- 3. Decide how much coverage you want
- Cheapest full coverage car insurance in Texas for 70-year-olds
- Cheapest full coverage car insurance in California for 70-year-olds
- 4. Understand reimbursements and deductibles
- Cheapest minimum coverage car insurance in Texas for 70-year-olds
- Cheapest minimum coverage car insurance in California for 70-year-olds
- 5. Check waiting periods
- 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
- 6. Examine extra costs
- Cheapest auto insurance in Texas for 70-year-old drivers with one speeding ticket
- 7. Compare quotes
- 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
- The NerdWallet Smart Money podcast
- Cheapest auto insurance in California for 70-year-old drivers after a DUI
- 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.
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