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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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- Get free shipping on purchases
- 5. StockFetcher
- 7. Curate subscription boxes
- 6. The Plaza Restaurant
- Pros
- Consider whether you want a referral system of care
- Know what kind of market you're in
- Thimble event insurance
- 4. Cash out your 401(k)
- 1. With more time for interest to accrue, you will pay more
- Are you on a business trip paid for by your employer?
- Average annual life insurance rates for women
- Get a credit card that includes free checked bags on Hawaiian Airlines
- 5. Southwest Airlines Rapid Rewards
- Serving parents, babies, and small children
- How to dispute errors on your credit report
- 3. Learn to use AI tools
- Fees
- Bring a bigger down payment to the table
- PenFed: Best for a seamless application process
- Best insurance company overall: Travelers
- CD penalty
- Vio Bank: Best money market account
- Managing multiple billing cycles
- Craigslist, Facebook Marketplace, Nextdoor, OfferUp
- Personal loans
- SALT deduction for property taxes
- 3. The cost of owning them
- 1. States with no income tax
- 5. A $50 hotel credit
- 2. Take a cut with affiliate marketing
- Resident status rules
- Average 401(k) match
- Mutual funds
- Step 2: Choose your market
- Our pick for: Intro APR + high rewards on everyday spending
- Equity vs. debt
- 2. Pool your points
- You've graduated to a permanent card
- Mental health conditions
- Documentation
- Our pick for: Gas station spending
- Amazon Pay by Invoice
- How to switch servicers
- Bitcoin pros
- ETF cons
- 1. Make sure you’re eligible to get an EIN online
- SBA 7(a) loans
- Those with fair credit
- Permanent life insurance: Other options
- 4. The card offers automatic Platinum elite status
- Smaller annual fee
- The percentage method
- Uses for secured loans
- Accor
- 2. Incorporation fees: Under $300
- Take shorter showers
- Checkout 51
- Invoice financing
- 2. Points are easy to earn
- Compare referral sign-up bonuses
- Other causes of pipe damage
- Opt for modest jewelry
- Why you need IRS Form SS-4 to verify your EIN
- 3. Trim the guest list
- Whether your options have value
- If you've owned your account for less than five years ...
- Is rental car coverage primary or secondary?
- 6. Video production
- 4. Remote travel agent
- Additional financing
- 62% of consumers who responded to direct mail made a purchase
- 3. Marriott Bonvoy Brilliant® American Express® Card
- 9. Cold Stone Creamery
- Earn by transferring
- 2. You must have owned the home for at least two years
- Buying a put example
- Your current mortgage payoff
- Choosing corporate tax status for your LLC
- Gas bill
- 5. Teach others a skill
- Target Circle™ Credit Card
- 4. Prepare your car and complete the sale
- Renegotiate with the seller
- 3. Swagbucks
- Step 5: Sign and date your W-4
- LifeLock pros
- 50% of SBA microloans went to Black- and Latino-owned businesses
- 3. Pentagon Federal Credit Union (PenFed) Rewards
- 4. Watch for scams
- What medication abortions cost
- Allow up to 50% of your income for needs
- 2. Getaround
- Other fuel cards to consider
- If you are converting your 401(k) to an IRA
- You want to transfer rewards to a domestic airline
- Reasons for unfreezing your credit
- How this calculator works
- Goodbudget
- Con: You’ll likely pay much more than you get
- Type of car and history
- Dharma Merchant Services
- Airfares are at record highs
- FHA loans: As low as 3.5% down payment
- Cons
- 4. Create a budget
- Do tipped workers earn the minimum wage?
- Check your plan's rules for 401(k) loans
- When do you need to file taxes in 2024?
- APR ranges for credit union lenders
- EITC 2024
- 6. Wallet software
- What to do if the debt collector made an error
- 7. Advanced Micro Devices Inc.
- 4. Personal trainers
- Log into your Southwest account to change flight
- Hotels in Hawaii
- You live near a U.S.-Mexico border and cross frequently
- How to protect a copyright
- Book travel via the AmEx portal or Expedia
- Cincinnati Insurance
- Q: How should consumers choose the right plan?
- Earn ANA miles by transferring AmEx points
- 4. Personal business loans
- How long will it take to pre-qualify?
- Integrated device manufacturers (IDMs)
- But wait, there’s more
- 7. Earned income tax credit
- 2. Set a target for future earnings growth rate
- 1. Derivatives
- The gym’s hours
- Get complimentary rental car insurance
- 3. Max out an IRA
- 3. Cash management accounts
- Zengo Wallet: 4.8 out of 5 stars
- Home supply is still limited
- 7. Tony’s Town Square Restaurant
- Verizon
- Additional benefits on Alaska Airlines
- Where Guarda falls short
- 5. Planet Fitness
- Average annual life insurance rates for men
- Seat selection
- 6. JetBlue TrueBlue
- 3. The RealReal
- Unique perks of flying Frontier
- Bring documents showing financial stability
- 4. Select a provider to open your Roth IRA
- CDs at a bank vs. credit union
- Prepare for a future tax bomb
- Timing credit applications with big future purchases
- 2. Calculate the car loan amount you can afford
- Joint account owners
- Make lump sum payments
- 6. Combine points from multiple cards
- File a complaint with your state insurance department
- Part-year resident status rules
- Create social media profiles
- Hotel partners
- Instant deposit
- Pros
- Avoid economy if you think you may want to upgrade later
- Autotrader
- 4. Stay put until a replacement arrives
- Divorce or separation from a spouse
- Customized workout plan
- Appraisals
- Between North America and South America
- Stock mutual funds = higher potential returns (or losses)
- Benefits at Six Senses
- Returning the car
- Why it’s the best
- Personal loan calculator
- LendingTree Spring
- 3. Consider buying the dip
- 4. Write a business plan
- Crashes and car theft
- Track your spending
- Size of the AC system
- Deductible
- A strong history of paying bills on time
- 5. Arlington Homebuyers' Assistance Program (Arlington)
- 4.Empower
- Invoice factoring
- 6. Home cleaning
- Bid and ask
- Plan G
- 3. What are my all-in costs?
- Replace your showerhead
- Fresh Start for incarcerated student loan borrowers
- Find a brokerage that operates in your area
- 2. Target undervalued sectors
- To review several cruise prices at once: CruiseDirect
- Merchant cash advances
- Average monthly premiums for guaranteed issue policies - male
- 4. Seek an off-peak season
- What can Southwest travel funds be used for?
- How do I make sure coverage applies to my rental?
- 7. Podcasting
- Who are you traveling with?
- 39% of consumers try a business for the first time because of direct mail
- The best full coverage car insurance companies
- Fly in a premium cabin
- 3. You must have lived in the house for at least two years in the five-year period before you sold it
- 2. Evaluate add-ons and endorsements
- Enter a prayer for judgment continued
- 4. Pay your bill before your issuer reports to the credit bureaus
- Cheap car insurance after a speeding ticket
- Texas State Trade Expansion Program
- Department of Education calls for an end to “forbearance steering”
- Other ways to overcome an appraisal gap
- What are maintenance requirements and margin calls?
- Insurance coverage for abortion pills is uneven
- Credit score for FHA loans
- Our pick for: No credit check at all
- 4. Reporting too many losses on a Schedule C
- Ages 20-24
- Fare flexibility/ticket changes
- 1. Cash dividends
- Zero-debt financing
- Pay with a credit card that doesn’t charge foreign transaction fees
- Premiums
- Capital gains vs. fixed income
- 5. Research first-time home buyer assistance programs
- Jumbo loans: As low as 5%-10% down payment (varies)
- FHA cash-out refinance
- Calculate whether you can afford loan payments
- Our pick for: Home improvement
- 8. PayPal Holdings Inc.
- Specialty restaurants
- Bitcoin cons
- Transfer points to travel partners
- Farmers
- Hollywood Studios
- 5. Friends and family
- Minimal grocery spenders
- How to apply on Indiegogo
- 8. Charitable donation deduction
- 5. You can rack up points fairly quickly
- 4. Register your marijuana business and obtain licenses or permits
- Alternative ways to exercise
- Exodus
- Auctions
- 8. Create an airport-centric app
- 8. Jungle Navigation Co. LTD Skipper Canteen
- First Home Loan
- How to contact AARP
- Customer satisfaction
- Apply natural makeup
- What if you don’t have an SS-4 notice?
- Grants.gov
- Travel perks at no cost
- Tactic 2: Use points or miles
- And when you retire ...
- 5. Travel consultant
- Decision group
- 10. Del Taco
- Submit PSLF employment certification forms
- Home repairs
- Find your servicer and set up payments
- Academic consulting services
- How to report fraud or identity theft
- Our pick for: Online purchases
- Seller concessions
- Consider bringing your own financing
- Navy Federal: Best for military members
- 10.5 million-plus PPP loan recipients submitted forgiveness applications
- Types of CDs
- Building a portfolio with stocks and bonds
- Favorable tax treatment
- 1. Find a dividend-paying stock
- SALT deduction for personal property taxes
- Dun & Bradstreet business credit scores
- 2. States with flat income tax rates
- Nonresident status rules
- Tips for unfreezing your credit
- Why it’s the best
- 1. Prepay your property taxes
- Cons
- 1. Fill out a mortgage application
- Group training sessions and group classes
- What do I do if I lose my IP PIN?
- Home equity line of credit
- Theme park tickets
- EARNING SINGAPORE KRISFLYER MILES WITH CREDIT CARDS
- Equity REITs
- 3. Fewer business fees
- 4. Index funds
- 5. Book discounted award flights
- Select your flight
- 3. Wells Fargo
- 2. Gather the necessary information
- Add photos and videos
- Find ways to save
- Installation and labor: $75 to $250 per hour
- Fabless semiconductor designers and GPU makers
- Copays and coinsurance
- Custodial wallets
- High-yield account APYs compared to brick-and-mortar banks
- Funeral insurance: Pays for your funeral only
- 6. Dallas Homebuyer Assistance Program (Dallas)
- Self-funding
- 5. No late fee the first time you pay late
- 7. IT and computer services
- Cheapest full coverage car insurance in Texas for 20-year-olds
- What to know about unsecured loans
- 4. What are your qualifications?
- 3. Office space: $100 to $1,000 per employee per month
- SBA 7(a) loan fees
- Wash clothes in warm or cold water
- 2. Capital One Miles are transferable
- Tax credits
- Average monthly premiums for guaranteed issue policies - female
- Choosing a card
- Premiums
- 5. Move the special day
- Whether your company is public or private
- Earning points
- What coverage is included?
- UCC lien on specific collateral
- 2. Lenders usually charge higher interest rates for long-term auto loans
- 6. Orangetheory Fitness
- The lottery annuity option
- Become a HawaiianMiles member
- 4. Check out dividend-paying stocks
- LifeLock cons
- 5. Watch for burnout symptoms
- Qualify for a second-home mortgage
- Authorized users
- Broker fees
- Income-driven repayment plans can shrink payments
- 7. Transfer points to airline and hotel partners
- You’re looking for a lower annual fee
- An FHA appraisal isn't an inspection
- Baggage and seat selection
- 2. Stock dividends
- Step 3: Find a specialty — and stick to it
- Leave the snacks at home
- 3. Get a companion pass
- Lodging prices are volatile
- What happens if you don't file your taxes?
- Get money back in the form of future flight credits
- 3. "Currently-not-collectible" status
- 9. CME Group Inc.
- Some beverages
- Nationwide
- 6. Self-funding
- 9. Medical expenses deduction
- TurboTax
- Shop with peace of mind
- Superior rewards-earnings
- Use third-party tools
- Volume, average volume and day’s range
- 6. Fidelity
- Plan N
- 9. Become a destination wedding planner
- What about an HDHP with a health savings account?
- Compare rates and payment structures
- 3. Do your research
- What does Medigap not cover?
- Mileage earnings when flying Oneworld airlines
- 3. Points are easy to use
- Guarda is best for:
- Sewer backups and sump pump failure
- Choose a simple hairstyle
- Emirates Skywards Premium World Elite Mastercard®
- Wells Fargo Active Cash® Card
- America’s Seed Fund
- Can I use Southwest travel fund for someone else?
- A decent base rate on all purchases
- Cheapest full coverage car insurance in California for 20-year-olds
- Home equity lines of credit pros and cons
- 8. IT consulting
- 6. Travel photographer
- 4. Marriott Bonvoy Boundless® Credit Card
- 11. Denny’s
- Term life insurance rates for nonsmokers
- Boarding passes
- Other ways to earn
- 4. You cannot have claimed the home sale capital gains exclusion recently
- Moving costs
- 3. Tap your home equity for a loan or line of credit
- Pros of biotech stocks
- Online guides can help you obtain information and medication
- Find preapproved auto loans
- Leave 30% of your income for wants
- Poshmark
- 3. States with progressive tax structures
- 5. Deducting too many business expenses
- Understanding your results
- Price
- 2. Save your registration statements
- Copays, coinsurance and deductibles
- Younger gamblers are more likely to see betting as investing
- Your credit score
- Call and ask for better terms
- Should you invest in retail stocks in 2023?
- FICO score ranges
- Mortgage REITs
- Learn what happens if you leave your job
- Fly bags for free with elite status
- Expensify
- PNC Bank
- 5. Newborn and post-pregnancy services
- Hotels in the Bahamas
- Next: Best for online quotes, claims
- You live near a U.S.-Mexico border and travel internationally frequently
- Damage you do to others
- 3. Place the trade
- How it works
- 7. Homebuyers Assistance Program (Denton)
- 3. Use the P/E ratio to find potentially undervalued stocks
- Should you refinance your student loans?
- The aggregate method
- 4. Certificates of deposit (CDs)
- How do I access a HELOC?
- Using United PlusPoints on partner airlines
- SBA 504 loan fees
- Adjust the temperature on your water heater
- Trezor
- Google Maps
- Pros
- Average monthly premiums for simplified issue policies - male
- Unique perks of flying United
- Redeeming points
- What isn't covered?
- Are you traveling for free with a ticket from an airline employee?
- Emirates economy class checked baggage policy
- Choose term life if you:
- Earn elite status (Pualani)
- United Airlines MileagePlus
- 4. Grailed
- 3. Consider insurance for flooding and earthquakes
- 4. Fiverr
- $7.3 billion in bonded contracts were awarded to small businesses
- Net worth of U.S. families by income
- Your credit utilization
- Holding period
- Revocable life insurance trusts
- 3. Land a brand deal and make sponsored content
- Index funds
- 3. Dividend reinvestment programs (DRIPs)
- Pack only one bag to carry on
- 5. Check your travel protection benefits
- Free Wi-Fi
- Can I file my taxes without an IP PIN?
- Choose cars that hold their value
- Bond mutual funds = lower returns (but lower risk)
- Bridge loan
- IHG Ambassador benefits at all the other IHG brands
- Hot wallet
- Costs
- Credit cards that earn IHG points
- Casino and entertainment
- Search for a new flight (or new ticket on the same flight)
- State Farm
- 5. Register your business and get an EIN
- Earn ANA points by transferring Marriott points
- 7. Venture capital
- Semiconductor foundries
- How to apply on Kickstarter
- 10. Deduction for state and local taxes
- Friends and family
- Andover Companies: Best coverage
- Your motivation
- Equipment financing
- 8. Pet store, grooming and boarding
- Worry less about your luggage
- 2. Pick which options to buy or sell
- Beta
- 5. How will our relationship work?
- 10. Make local guides
- 4. Inventory: 17% to 25% of your total budget
- 3. Travel in the offseason
- Copays, coinsurance and deductibles
- WomensNet Grants
- Whether it fits with your financial situation
- 9. Catering
- 7. Create a haunted attraction
- 3. Emirates offers chauffeur service
- Blanket lien
- 12. Edible Arrangements
- 7. Primrose Schools
- Term life insurance rates for smokers
- Drinks onboard the aircraft
- 5. You cannot have bought the house through a like-kind exchange
- Switch to an income-driven repayment plan
- 5. Monitor your total credit utilization
- Elder care services
- Open for Business Grant Program in Houston
- 6. Find local gigs through Nextdoor
- How to freeze your credit
- 4. Take surveys for money
- 4. Barclays rewards
- Target Date Fund
- 3. Car Shair
- Ruby Lane
- 2. Evaluate the stock
- SALT tax deduction 2023
- Equifax business credit scores
- 8. Worldwide acceptance
- Consider mediation
- 6. Claiming a home office deduction
- You want to redeem points for travel directly
- Ages 25-34
- The details
- 1099-A
- 1% match
- 3. Scrutinize your closing paperwork
- Step 4: Plan the business budget
- Banks
- Pros
- CardX
- VantageScore ranges
- 6. Compare mortgage rates and fees
- 4. Understand mutual fund fees
- Within South America
- Conventional loans
- FHA 203(k) refinance
- Accommodations
- Consider alternatives
- Other ways to earn Choice Privileges points
- 4. Straightforward banking
- Consider Original Medicare if you:
- You plan to do some road-tripping in Mexico
- Use points to upgrade your seat
- 3. Submit your application and wait
- Magic Kingdom
- Cons
- Complete your listing details
- Seasonal Energy Efficiency Ratio (SEER) Rating
- How much coverage do you need?
- Free online tax filing software compared
- Those who need to transfer a balance
- Other student loan calculators
- Manual storage
- 8. Homebuyer Assistance Program (Fort Worth)
- 6. Its cell phone protection can save you up to $1,000 a year
- 5. Register to pay taxes
- TaxAct
- 6. No foreign transaction fees
- Discounts
- Guarda: 4.6 out of 5 stars
- How much does a HELOC cost?
- Home prices keep climbing
- Purchase energy-efficient appliances
- 3. Capital One has 18 transfer partners
- 4. You can exchange points for airline miles
- Average monthly premiums for simplified issue policies - female
- Guarda at a glance
- Native cryptocurrencies
- What vehicle rentals are excluded?
- Deductibles, limits and payouts
- The cash option
- Choose whole life if you:
- Cheap full coverage car insurance companies by state
- Singapore Airlines KrisFlyer
- Cheap auto insurance after an accident
- 5. Explore new industries
- Where to get preapproved for a car loan
- When are taxes due in October?
- Cons of biotech stocks
- Net worth of U.S. families by age
- 3. Set a target purchase price
- 3. Source your suppliers
- 2. Promote your business
- 1. Diversification
- Launch email marketing campaigns
- Lounge access
- 4. Special dividends
- Your money management style
- CarFax
- 2. Review your Loan Estimates
- 4. Pledge loyalty to a single airline
- Your debt-to-income ratio
- Build your score and then switch cards
- Gym workouts via the Planet Fitness app
- What other ways can I protect my identity?
- Check leasing specials
- Hybrid REITs
- Basic economy tickets are typically ineligible
- Why it’s the best
- Sample letter requesting a goodwill deletion
- What is Tesla Insurance?
- 6. Earn a companion certificate
- Excursions
- 4. Think about getting a second opinion
- Injuries to you
- Other ways to earn ANA miles
- Use designated accounts for spending and savings
- Service fees
- But wait, there’s more
- 11. Mortgage interest deduction
- Get live help on the go
- 5. Select your investments
- EPS (TTM) and earnings date
- Cheapest minimum coverage car insurance in Texas for 20-year-olds
- Salute ME
- 4. Explore emerging industries
- Flooding
- Chase Sapphire Preferred® Card
- National Association for the Self-Employed (NASE) grant
- 1. Have your original ticket confirmation number handy
- Which is better when?
- 10. Social media management
- 8. Teach cultural classes
- Post-class group
- 13. Firehouse Subs
- Let them know you're a military member
- 6. You cannot be subject to expatriate tax
- Ask about income-driven repayment plans
- 7. Freelance
- 5. Gather your paperwork
- 22% of businesses are owned by women
- Best insurance company for affordability: NJM
- Your payment history
- Debt-to-income ratio
- 2. Find the right location for your vending machine
- Why it’s the best
- 1099-B
- Annual hotel savings benefit
- Our pick for: Everyday spending
- Join the Qatar Airways Student Club
- Inverse performance
- Car rentals have one of the biggest price increases
- Saving for a rainy day (or a fun one)
- Money market mutual funds = lowest returns, lowest risk
- Spend on airline credit cards with built-in baggage perks
- Average online personal loan rates over time
- 5. Exchange-traded funds (ETFs)
- Rocket Money
- Fundbox
- 6. Enrichment activities for children
- Cover your card charges
- Travelers
- 8. Angel investors
- Outsourced assembly and testing (OSAT)
- Where to get it
- Average monthly life insurance rates for senior women
- 9. Down Payment Assistance Program (Frisco)
- Short-term loans
- 9. Salon or barbershop
- Green, Gold and Platinum pay over time cards
- 6. What's your investment philosophy?
- 11. Create a local grocery delivery service
- Ask about discounted rates
- Mint Mobile
- Why does the network matter?
- Credit Account
- Emissions and efficiency
- UBS Visa Infinite Card
- Why you might roll a 401(k) into an IRA
- How long will the rental be covered?
- Cheapest minimum coverage car insurance in California for 20-year-olds
- 3. You have a higher risk of developing negative equity
- Perkins loans
- 8. Kiddie Academy
- Our pick for: Current users
- Buying a put vs. shorting example
- Emirates Skywards
- What is the Global Entry interview like?
- Verizon Small Business Digital Ready Community Grant
- What if you can’t pay your bills?
- Learn how to become:
- Net worth of U.S. families by race or ethnicity
- Leverage elite status
- Compare car insurance rates for 35-year-olds
- Alternative minimum tax
- Commit 20% of your income to savings and debt paydown
- Etsy
- Our pick for: Beginner-friendly features
- 3. Decide how much stock you want to buy
- Debt management plan
- Why is there a SALT cap?
- 2. Low cost
- Book one to three months in advance
- Irrevocable life insurance trusts (ILITs)
- 7. Using nice, neat, round numbers
- Earning rates
- 5. Preferred dividends
- Bonus features
- How much can refinancing save you?
- Try paying in cash dollars
- Your payment history
- Try different ways to avoid overspending
- Referral program
- Do you get a new IP PIN every year?
- Price the car
- Between Atlantic and Pacific
- Tickets booked with an online travel agency might be tricky
- 4. Penalty abatement
- Cold wallet
- Make Money
- Consider Medicare Advantage if you:
- 4. U.S. Bank
- Additional standard deduction 2023 (taxes due 2024)
- Make a plan to pay off debt
- What's next?
- Schedule 1: Additional income and adjustments to income
- Minimalists
- 12. Gambling loss deduction
- 7. Cardholders can get a Global Entry or TSA Precheck credit
- 6. Get funding
- Crowdfunding
- Trial periods
- Know your elite benefits
- Trezor
- Retail arbitrage
- Ex-dividend date
- First trimester
- 5. Treasury notes, bills and bonds
- KFC
- 5. Marketing: Below 10% of your total budget (even 0%)
- Ledger
- Carfax Car Care
- For budget-friendly options: Priceline
- 5. If you have high-tier Marriott status, you get free United Airlines Premier Silver Status
- Full details about Guarda's ratings
- Program for Investors in Microentrepreneurs
- 2. Browse and select your flights
- 9. House or pet sitting
- 5. Southwest Rapid Rewards® Plus Credit Card
- 14. IHop
- Whole life insurance rates for nonsmokers
- Home warranty
- Animal care services
- How to request a copy of your credit report
- 3. Invest in companies that financially support racial justice
- 21% of businesses are minority-owned
- Robo-advisor
- If you want to get out of debt entirely
- Other risks of margin trading
- Your credit age
- Experian business credit scores
- 9. Coverage if your trip is canceled or delayed
- 4. Sell some merch
- 3. Learn the difference between investing in stocks and funds
- SBA lenders
- 5. Split the family into different itineraries
- Cons
- Our pick for: Simple cash back
- Buy it
- Publicly-traded REITs
- Average bank personal loan rates over time
- 5. Simplified business ownership
- Gratuities
- Hawaii weather and terrain
- Shop with points via the American Express site
- 3. Secure funding
- USAA
- 6. Get the proper permits and licenses
- 4. Sit back and relax
- 9. Small-business grants
- 1. Examine your cooling needs
- What do I need for my loan application?
- Semiconductor distributors
- 2024 Medicare Part D IRMAA
- Average monthly life insurance rates for senior men
- 10. City of McKinney Homebuyer Assistance Program (McKinney)
- 4. Focus on market cap to screen out risky companies
- 2. Digital assets
- 7. An account-locking function
- NerdWallet's List of Best QuickBooks Alternatives
- Exodus: 4.5 out of 5 stars
- 12. Start a virtual event planning company
- Do you have preferred doctors?
- Credit-builder loans
- 4. You’ll earn the most through Capital One Travel
- Tokens
- Whether it makes sense for your taxes
- What if I don’t have personal auto insurance?
- 11. Business planning service
- How to contact New York Life
- 4. Dining on your flight is on demand
- HEAL loans
- British Airways Executive Club
- 5. Vestiaire Collective
- How much dwelling coverage do I have?
- 4. Get quotes from at least three companies
- If your student loans are in default
- Gusto Impact Award
- What you need to get preapproved for a car loan
- 8. Tutor your peers
- Capital One® Walmart Rewards™ Mastercard®
- Individual biotech stocks
- 5. American Express Membership Rewards
- Net worth of U.S. families by education
- Work with a real estate agent to find your ideal second home
- Bankruptcy
- 3. Strong long-term returns
- 2023 tax rates by state
- The last resort: File a lawsuit
- Ages 35-44
- Honorable mention: Wellcare
- Exchange-traded funds
- 6. Dividend funds
- 1099-C
- Account linking
- No foreign transaction fees
- Restaurant spending consistently rises
- Ways to build credit
- 7. Gather your loan paperwork
- Get quotes from dealers
- 401(k) or other investment account loan
- Travel
- Book your ticket and pay/get credited the difference
- 5. Focus on the long term
- Your stolen stuff
- Additional standard deduction 2024 (taxes due 2025)
- Indiegogo pros
- 13. IRA contributions deduction
- 8. It has no foreign transaction fees
- 10. Gas station
- 1-year target estimate
- Purchasing a Plumeria Lounge day pass
- Uses for unsecured loans
- Maintenance or general wear and tear
- Chase Freedom Flex℠
- 3. Apply your travel funds
- 10. Travel blogger
- 15. Melting Pot
- 9. Kumon Math and Reading Centers
- Cheap full coverage auto insurance for drivers with an accident or DUI
- Whole life insurance rates for smokers
- After you're approved for Global Entry
- North Carolina car insurance rates after a speeding ticket by company: 40-year-old drivers
- 5. Make money from your blog with affiliate links
- 4. Borrow from your 401(k)
- 5. Upwork
- 21.7% of business owners are immigrants
- 4. Price your product
- 10. Baggage delay insurance
- 1. Think long term versus short term
- Consider paid advertising
- 1. Earn elite status
- Joint ventures vs. partnerships
- Other reasons why Americans plan to tune in to the game
- Other types of savings accounts
- Government-backed loans
- Mini CD ladder
- 5. Get funding for your wine business
- Use credit card perks, maybe
- Average credit union personal loan rates over time
- Eureka
- Bluevine
- 7. Take advantage of no change fees on eligible fares
- Medical care
- 7. Mobile apps and entertainment for children
- WANT TSA PRECHECK FOR FREE?
- Use points toward online purchases elsewhere
- Side-by-side comparison of SBA 504 and 7(a) loans
- 10. Crowdfunding
- 2. Time it right
- Opportunity cost
- Schedule 2: Additional taxes
- 11. Down Payment Assistance Program (Mesquite)
- 1. Review your W-4
- Cheapest auto insurance in Texas for 20-year-olds with poor credit
- 61% fewer complaints than average
- Competition remains steady
- 7. What asset allocation will you use?
- Is a large network important?
- The following Southwest credit cards include upgraded boardings:
- 6. You can give yourself a ‘points advance’
- FedEx Small Business Grant Contest
- How does coverage vary for international rentals?
- 12. Tax consulting
- 4. You could fall into a cycle of negative equity
- What’s covered and what’s not
- Limited schedule
- Home staging
- Iberia Plus
- 1. 'I’ll wait until the stock market is safe to invest.'
- Home maintenance and repair services
- Amegy Bank Small Business Boost Program
- 6. Pick your investments
- Down payments and gift funds
- Swappa, Gazelle
- Debt settlement
- Government bonds
- 1099-CAP
- Recommended portfolios
- Online lenders
- CarGurus
- 6. Book hotel suites
- Resident status rules
- National Processing
- Flights
- Public non-traded REITs
- Cancel for Any Reason insurance can help
- Other sources for Choice Privileges points
- 6. Investment apps
- How Tesla Insurance works
- Money Manager
- How I bonds are taxed
- Bars
- Develop good credit habits
- Travelers
- 14. 401(k) contributions deduction
- 9. It includes travel protections
- 8. Social Security number alerts
- 11. Grocery store
- AmEx EveryDay Cards
- Moving averages
- Chick-fil-A
- 13. Sell zero-waste products
- 6. Website: Around $40 per month
- Visible by Verizon
- Salute Home Again
- 4. Book at the right time
- Foreign LLCs Operating in North Carolina
- Why you might not want to roll a 401(k) to an IRA
- Cheapest auto insurance in California for 20-year-olds with poor credit
- 11. Ecotourism
- 16. Moe’s Southwest Grill
- Make 10 years' worth of payments
- North Carolina car insurance rates after a speeding ticket by company: 25-year-old drivers
- Cheapest car insurance after a DUI
- 9. Take surveys
- Appraisal fee
- Consider paying with miles
- Fleet expense management tools
- 11. Rental car coverage
- 5. Offer memberships
- 2. Look into tax-loss harvesting
- Ages 45-54
- Fare flexibility/ticket changes
- Security
- 3. Loan processing takes over
- Taxes
- 2. Is now the right time to buy bonds?
- Entertainment expenditures see price increases, too
- Set the lease terms
- Uneven splits
- 5. Hiring a tax relief company
- View the reconcile summary
- 5. Citibank
- Redeem for gift cards
- 7. Find a location
- Domestic flights on ANA
- 11. Business credit cards
- Complete your inventory and pricing
- 3. Look for equipment rebates and tax credits
- 12. First-Time Homebuyers Assistance and Educational Program (Plano)
- Ledger
- 3. Predict the option strike price
- Second trimester
- Coinbase Wallet: 4.4 out of 5 stars
- Switch to LED lighting
- Watch the calendar
- 1. Avoid filing your tax return on paper
- Parent PLUS loans
- 6. United℠ Explorer Card
- 10. Ace Hardware
- Don’t forget your pineapples and papayas
- Biotech stock ETFs
- Small businesses in the leisure and hospitality industry experienced a 9.6% loss in establishments
- 6. Capital One Rewards
- If you want to help your credit
- Set a price alert
- 1099-DIV
- 2. Use credit card statement credits to offset Frontier seat fees
- 8. Get a preapproval letter
- 5. Manage your mutual fund portfolio
- Open a business bank account and credit card
- Low-down-payment mortgage
- InboxDollars Surveys
- 1. Automate transfers
- Laundry
- 8. Shared accessories and attire
- Weather in the Bahamas
- How it works
- Schedule 3: Additional credits and payments
- Business credit cards
- Chubb: Best for high-value homes
- 9. Cash at checkout
- 14. Make products for pets
- Secured credit cards
- 5. You can redeem Capital One Miles in a variety of ways
- The following Southwest credit cards offer EarlyBird Check-In perks:
- 7. Stay for five, pay for four
- Stablecoins
- What is the procedure for filing a claim?
- 5. You get complimentary spa treatments in the Emirates First Class Lounge in Dubai
- 17. P.F. Chang’s
- Book award travel on Singapore Airlines or SilkAir
- Portion of buyer’s closing costs
- What happens if you are declined?
- How are my belongings covered?
- 2. 'I’ll buy back in next week when it’s lower.'
- Dayton Community Development Corporation grant programs
- Discount points
- Our pick for: Fixed monthly payments
- 3. Sell your castoffs
- 12. Travel assistance
- Double-check your coverage
- Dividend per share (DPS)
- Credit unions
- Close the deal
- Do Choice Privileges points expire?
- Our pick for: Bulk and prescription savings
- 8. Veterans and their families can save 10% on airfare
- Donate to charity
- 6. Take advantage where you can
- Pros of investing in semiconductor stocks
- Chubb
- Determine if you need a rider
- 13. First-Time Homebuyers Program (Wichita Falls)
- 15. Saver’s credit
- 5. Research the stocks
- Dropshipping
- Blue Cash Cards
- 2. Make sure your bonus is actually taxable
- Install dimmer switches
- Charging/filling up
- Set cash aside
- 4. Get confirmation
- Tactic 3: Use your military benefits
- 13. PR agency
- 2. Get direct deposit
- 5. Repair and maintenance costs increase with a car’s age
- Automobile maintenance and repair
- How quickly could the IRS implement the child tax credit expansion?
- 10. Search for regular jobs for kids
- 6. Sell your wares on Etsy
- Check out peer-to-peer lending
- How to have more taxes taken out of your paycheck
- Retail business applications increased by 87%
- 5. Find your customers
- 4. Zipcar
- Rebook if you find a cheaper price
- 3. Hold the shares inside an IRA, a 401(k) or other tax-advantaged account
- Ages 55-64
- Options
- Customer support
- Joint ventures vs. franchises
- 4. The underwriter makes a decision based on your documentation
- Singapore Airlines Book the Cook
- Private REITs
- File taxes online with tax software
- AndroMoney
- Spa services
- Pro tip: How to figure out the new ticket cost
- I bond tax benefits
- Stocks
- International flights on ANA
- Invest in your financial future
- Get a referral
- 12. Drugstore
- Support and resistance
- Third trimester
- Cheapest auto insurance in Texas for 20-year-old drivers with one speeding ticket
- 75% for member benefits
- 15. Create custom clothing
- Know your health insurance terms
- For booking travel experiences beyond the cruise: TripAdvisor
- Identify grants that are suited to your business
- 12. Home rentals
- 18. Pinkberry
- 11. Snap-On Tools
- No-exam life insurance rates for nonsmokers
- Our pick for: Cell phone and internet bill payments
- Upgrading to Main Plus
- Appendix: How the math works in our examples
- FHA appraisal
- 13. Purchase protections
- Traditional marketing
- Baggage and boarding
- The details
- Dividend yield
- 1099-G
- Step 5: Register the business
- Our pick for: Flat-rate travel rewards
- Part-year resident status rules
- Look for outside funding
- Understand what your credit card insurance will (or won’t) cover
- Google Opinion Rewards
- Business credit cards
- Set your shipping prices
- Home equity loan
- Cons of investing in semiconductor stocks
- 14. Homebuyers' Assistance Program (Tarrant County)
- 16. Health savings account contributions deduction
- Farmers vs. State Farm home insurance
- 3. Use tax deductions
- Wingstop
- Waitlist your PlusPoints request
- 8. What investment benchmarks do you use?
- 7. Office furniture and supplies: 10% of your total budget
- Use smart power strips
- Cricket Wireless
- 5. Set a price alert
- Cheapest auto insurance in California for 20-year-old drivers with one speeding ticket
- 3. Stay on top of things
- No interline agreements
- Is there enough liability coverage?
- 3. 'I’m bored of this stock, so I’m selling.'
- San Antonio Economic Development Department grant programs
- Can you pay estimated taxes at any time?
- Escrow account funds
- 6. OfferUp
- 7. Citi ThankYou Points
- Best insurance company for accident forgiveness: Geico
- Handle with care
- Cars.com
- Disclaimer
- A new way to buy and sell
- 2. Count your coins and bills
- Wireless internet
- 6. PNC Bank
- How to protect a trademark
- State Farm
- Piggyback on someone else’s membership
- 4. Determine the option time frame
- Trust Wallet: 4.3 out of 5 stars
- Prepared to put down roots?
- Advantage
- Consider using a retirement account
- 14. Professional organizing
- Resident status rules
- 7. Delta SkyMiles® Gold American Express Card
- 19. Pizza Hut
- Cheap full coverage car insurance for drivers with poor credit
- No-exam life insurance rates for smokers
- Apply for PSLF forgiveness
- 5. Buy your home insurance policy and read it closely
- 5. Enter a debt management plan
- How to have less taxes taken out of your paycheck
- Transportation and warehousing business applications grew by 100.7%
- Benefits
- 4. Earn badges through Live videos
- 14. Customer service without the wait
- 4. Call in a pro
- 1099-INT
- User experience
- 4. Set a budget for your stock market investment
- Grant programs
- Joint ventures vs. licensing
- The risks and rewards of each
- 9. Choose a real estate agent carefully
- 3 disadvantages of sole proprietorship
- 9. Download the app for free inflight entertainment
- 4. Find your gate
- 4. Buy the property
- Bonds
- Where to get it
- Indiegogo cons
- 17. Self-employment expenses deduction
- Microloans
- 13. Antique or thrift store
- Pros of a 203(k) loan
- 4. Contribute to a tax-advantaged account
- 16. Sell vintage clothing online
- Confirm grant details
- Forks
- Use the Best Fare Finder and pay in cash
- 12. Pillar to Post Home Inspectors
- Cheapest auto insurance for poor credit
- Be flexible with destination, airport and dates
- Experiential marketing
- Seat selection
- 3. Which bonds are right for my portfolio?
- Travelers vs. Allstate home insurance
- Redeem points for hotel stays
- Swagbucks
- 1Money
- Microloans
- 9. Shared home improvement equipment
- 8. Get the proper equipment
- Use employee benefits
- Delta SkyMiles Cards
- Labor and delivery
- 8. Utilities: Around $2 per square foot of office space
- Higher premiums, more coverage
- 15. Photography
- 4. One more thing to know about your tax refund
- 20. Red Robin
- What are the deductibles?
- Lubbock Economic Development Alliance grants
- Vanguard 500 Index Fund (VFIAX)
- What happens if I forget to pay my quarterly taxes?
- 7. Self-publish an e-book
- Flood determination and monitoring fees
- Explore startups
- Where is the best place to exchange currency?
- If you want to resolve the default quickly or already rehabilitated the loan
- 6. Get the logistics down
- 3. Find your vending machine
- Drawbacks
- Past years' state tax rates
- File an appeal
- Corporate bonds
- Reviews
- 5. Your loan is cleared to close
- Nonresident status rules
- Our pick for: Flexible rewards and a bonus
- 1. No liability protection
- 3. Prep for grocery shopping
- 10. Browse flights on the low fare calendar
- Coffee and nonalcoholic options
- Allianz Global Assistance
- Partner flights
- Home equity line of credit
- Liberty Mutual
- 18. Home office deduction
- Farmers vs. Allstate home insurance
- 14. Fitness studio or gym
- Print-on-demand services
- Cons of a 203(k) loan
- Cheapest auto insurance in Texas for 20-year-old drivers with one at-fault crash
- 9. Who is your custodian?
- 17. Begin niche blogging
- Towing
- 6. Jump on fare deals
- Check for leaks
- 6. There's no overhead space to store luggage
- Our pick for: Varo users
- Gap Good Rewards Mastercard® Credit Card
- How to use a W-4 to owe nothing on a tax return
- 23% of business owners cite inflation as their single most important problem
- 8. Bank of America® rewards
- Our pick for: An upgrade path
- Earning rates
- Dividend payout ratio
- 1099-K
- Joint ventures vs. mergers or acquisitions
- 10. Narrow down your ideal type of house and neighborhood
- Hire and work with a tax preparer or another tax pro
- Is Tesla Insurance worth it?
- Mutual funds
- Create your return and exchange policy
- Individual semiconductor stocks
- 15. Down Payment Assistance Program (Austin)
- Personal loans
- Look for offers
- MetaMask: 4.0 out of 5 stars
- Prepare and submit applications
- Cheapest auto insurance in California for 20-year-old drivers with one at-fault crash
- 21. Starbucks
- 13. Keller Williams
- 1. Live in the house for at least two years
- B2B administrative services
- Vanguard Total Stock Market Index Fund (VTSAX)
- Government recording fees
- Rethink your bank
- How do I find a currency exchange near me?
- Mortgage insurance
- Online financing platforms
- 7. TD Bank
- 5. Wait at the gate
- Amex EveryDay® Credit Card
- 5. Secure a gas supplier contract
- Bonzah
- 19. Educator expenses deduction
- 3. Precious metals
- Hilton Honors Cards
- Golden crosses and death crosses
- 5. Defer your bonus
- How's your job security?
- 9. Payroll: 25% to 50% of your total budget
- Lower premiums, higher out-of-pocket
- To match with a vacation planner: Avoya Travel
- Keep drains moving
- 16. Event space
- Book Emirates economy fares on points
- Freshen up your merchandise
- The Alamo Small Business Grant Program
- 11. Monetize your social media accounts
- How can I make paying quarterly taxes easier?
- 7. Poshmark
- 40% of small-business owners note trouble filling jobs
- 5. Build a community
- Ask for another at-home visit
- Upgradeability
- Edmunds
- Travelers vs. Geico home insurance
- Merchant cash advances
- Publish your listing
- Save
- 16. Down Payment Assistance Program (Bryan)
- Country Financial: Best for using an agent
- 15. Tutoring business
- 10. What tax hit do I face if I invest with you?
- 18. Become an e-book writer
- Mobile Home Self-Insured Option
- Part-year resident status rules
- 22. Wingstop
- 2. See whether you qualify for an exception
- How to maximize your rewards
- Vanguard Total Bond Market Index Fund (VBTLX)
- Loan-origination charges
- Where can you exchange currency for free?
- Pre-qualify to compare offers
- 2. Harder to get financing and business credit
- Your goals and time horizon
- 10. Vacation rentals
- Exchange-traded funds
- Rental Cover
- Cash-out refinance
- Kickstarter pros
- 20. Solar tax credit
- Ask about special discounts
- An example of buying a call
- Pros
- 7. Purchase travel insurance in advance
- AM Best Financial Strength Rating: A (Excellent)
- Consider backup funding options
- 17. Interior decorating
- 14. FastSigns
- Sales and marketing
- 12. Get paid to stream on Twitch
- 8. Get advertising revenue from your blog or YouTube channel
- Is an import/export business profitable?
- 1099-LTC
- 5. Focus on investing for the long-term
- Joint ventures vs. qualified joint ventures
- Semiconductor stock ETFs
- 17. First-Time Homebuyer Assistance Program (Killeen)
- 16. Ice cream shop
- Cheapest auto insurance in Texas for 20-year-old drivers after a DUI
- Availability
- Other details you should know about Guarda
- Act quickly
- 8. The Platinum Card® from American Express
- 23. Red Lobster
- 3. Keep the receipts for your home improvements
- Take clear photos
- Vanguard Balanced Index Fund (VBIAX)
- U.S. Bank Altitude™ Reserve Visa Infinite® Card
- Mortgage insurance or fees for government-backed loans
- Get excited about a minority-owned stock exchange
- 73% of business owners feel the impact of supply chain issues
- Complain to the state insurance department
- Our pick for: Customizable bonus categories
- AM Best
- Risk tolerance and diversification
- 4. Minimize restaurant spending
- 8. Capital One
- Design
- 6. Obtain necessary permits and licenses
- 9. Open a business bank account
- Sure
- Other ways to redeem ANA Mileage Club miles
- How it works
- 21. Energy efficient home improvement tax credit
- Marriott Bonvoy Cards
- Electrum: 2.5 out of 5 stars
- Cons
- Are you financially prepared?
- 19. Start ghostwriting
- Consumer Cellular
- J.D. Power Ranking
- Cheapest auto insurance in California for 20-year-old drivers after a DUI
- 18. Woodworking or furniture building
- Selling a put example
- Best insurance company for having few customer complaints: American Family
- Compare car insurance rates for drivers with a DUI
- How do import/export companies make money?
- 1099-MISC
- Step 6: Find and maintain clients
- Hurricanes
- How much is a Tesla?
- 11. Electronics repair
- Invest
- 18. First-Time Homebuyer Program (San Marcos)
- Business loans
- 4. Collectibles
- 17. Dry cleaner
- An example of buying a put
- 10. Professional consultants: Between $1,000 and $5,000 per year
- Turn to technology
- More from NerdWallet
- Nonresident status rules
- Self-funding
- Gifting large sums of money to family
- 15. Merry Maids
- Vanguard Growth Index Fund (VIGAX)
- 65% of small-business owners expect revenue to increase
- 4. Explore your financing options
- Our pick for: No security deposit, low annual fee
- Get an appraisal
- 11. Stick to your budget
- Transfer points to other loyalty programs
- 2020-2022 earned income credit amounts
- American Express® Green Card
- Personal loan
- 22. Electric vehicle tax credit
- 20. Become a resume writer
- Pay off debt
- Don’t forget the fifth-freedom flights
- Write an honest description
- Technology maintenance and repair services
- America’s Seed Fund
- Pest inspection
- What is an export license?
- The details
- California earned income tax credit (CalEITC)
- Our pick for: Ditching debt or financing a big buy
- 3. It’s harder to sell your business
- UNLOCK AIRPORT LOUNGES WITH THE RIGHT CARD
- 7. Get business insurance
- Where to get it
- 19. Homebuyer Residence Incentive Program (San Marcos)
- Kickstarter cons
- 18. Bookstore
- Wholesaling
- Testing a resistance level
- Pre-1976 Mobile Home Replacement Initiative
- Is Guarda right for you?
- 19. Graphic design
- 24. American Eagle
- The 10 largest lottery jackpots
- How to maximize your rewards
- Cheapest car insurance for young drivers
- Vanguard Small Cap Index Fund (VSMAX)
- 55% of business owners expect all accepted payment methods to eventually become digital
- Home purchase: Basic Home Mortgage 203(b)
- 1099-NEC
- 6. Manage your stock portfolio
- Used Car Search Pro by iSeeCars
- 5. Get discounts on entertainment
- Seating areas
- How to get ANA status
- Business lines of credit
- 21. Open a coworking space
- To book a vacation package with an airline or hotel
- Keep pipes from freezing
- Paying for vacations, cars or other stuff
- 9. Become an Instagram influencer
- Our pick for: Maximized value
- Prepaid expenses
- What documents do I need to import goods?
- Wildfires
- J.D. Power
- California young child tax credit (YCTC)
- Other ways to redeem your points
- 9. Fifth Third Bank
- 8. Market yourself
- 10. Market your laundromat
- Pay off debt
- 20. City Employee Loan Assistance (Waco)
- 5. Commodities
- 19. Bed and breakfast
- Address any lingering questions
- Avoid taking on more debt
- 20. Clothing boutique
- Financial assistance
- 9. Capital One Venture Rewards Credit Card
- 25. Anthropologie
- How to compare life insurance quotes
- Price clothes to sell
- Amber Grants
- Vanguard Total International Stock Index Fund (VTIAX)
- MyLowe’s Rewards Credit Card
- 1. Has the W-4 form changed?
- 21.6% of small businesses cite a large negative effect on business due to the pandemic
- FHA refinance loans
- Benefits of joint ventures
- Tesla repair costs
- 1. Pick which types of I bonds you want to buy
- Cheapest full coverage car insurance in Texas for 30-year-olds
- How we review crypto wallets
- Bring the kids
- Giving a laid-back loan
- B2B legal services
- Fidelity® Rewards Visa Signature® Card
- 1099-OID
- California child and dependent care tax credit
- 12. Make the most of walk-throughs and open houses
- Our pick for: Worldwide acceptance
- Hail
- If you owe taxes
- 6. Map out major purchases
- 12. Academics courses
- Work spaces
- 20. Floral shop
- 22. Become an online coach
- Wait to apply
- Cheapest full coverage car insurance in California for 30-year-olds
- 21. Bed and breakfast
- 26. Banana Republic
- Life insurance quotes vs. rates
- Tax monitoring and research fees
- Try mediation
- Risks of joint ventures
- NCQA
- 6. Board the airplane
- American Express® Gold Card
- Etsy fees for sellers
- 6. Real estate
- 11. Insurance: Average of $1,200 per year
- Setting up joint bank accounts
- NASE Growth Grant
- 2. What does it mean to be exempt from taxes?
- Our pick for: No security deposit, low annual fee, potentially high credit limit
- Hail
- 1099-PATR
- California adoption cost tax credit
- Tiers
- 1. What does "sole proprietor" mean?
- Repeat
- How it works
- NJM: Best small regional insurer
- 21. Gardening and landscaping
- Direct sourcing
- 23. Flip failing websites
- 22. Food truck
- 27. DSW
- Mix KrisFlyer miles and cash
- 10. Monetize your Twitch channel
- Title-related costs
- FHA renovation loans
- Step 7: Invest in advertising and expanding
- Our pick for: Bank of America® customers
- If you’re getting a tax refund
- 2. Decide how much you want to invest in I bonds
- Bathrooms
- Ledger: 5.0 out of 5 stars
- Cheapest auto insurance for senior drivers
- 96% of small-business owners have business bank accounts
- Best insurance company for financial strength: Auto-Owners
- Flooding
- Turn to litigation
- 1099-Q
- TrueCar
- California nonrefundable renters tax credit
- Tornadoes
- 2. Can a sole proprietor have employees?
- 7. Restrict online shopping
- 13. Language courses
- An existing relationship
- ANA Mileage Club elite status tier levels
- Where to get it
- 21. Down Payment Assistance Program (Beaumont)
- Kickstarter funding
- Above-the-line deductions
- Cheapest minimum coverage car insurance in Texas for 30-year-olds
- 24. Become a web developer
- NYC tax rate schedule
- 10. Hilton Honors American Express Aspire Card
- 28. J. Crew Factory
- Comparing full coverage car insurance quotes
- Our pick for: Subscriptions
- Other specialty FHA loans
- 13. Don’t skip the home inspections
- 22. Nail salon and spa
- Cheapest minimum coverage car insurance in California for 30-year-olds
- 23. Restaurant or cafe
- Find Singapore Airlines partner awards
- Understand your eligibility
- 5. Stock your vending machine with inventory
- Pros
- 1099-R
- 3. Does a sole proprietor need an EIN?
- 3. Figure out how long to keep your I bonds
- Good credit
- 22. Homebuyers Assistance Program (Texarkana)
- 25. Start a podcast
- 12. Taxes: Variable, but 21% corporate tax rate
- 29. Journeys
- 3. When should I review my W-4?
- 60% reported no impact from recent bank failures
- 1. Find a partner
- Wildfires
- 7. Retrieve your luggage
- The Platinum Card® from American Express
- Below-the-line deductions
- 23. Photography
- Trezor: 4 out of 5 stars
- Ultra Mobile
- 24. Craft brewery
- 1099-S
- Dividends and preferred stock
- 4. How do you change from sole proprietor to LLC?
- 8. Delay purchases with the 30-day rule
- 23. Homebuyer Assistance Program (Tyler)
- Indiegogo funding
- 26. Be a social media influencer
- 30. Madewell
- Upgrade your Singapore Airlines airfare
- Note application deadlines and awards dates
- 11. Sell your photography
- Compare auto insurance rates for drivers with poor credit
- Our pick for: Average credit and rewards
- Pros
- The details
- 14. Negotiate with the seller
- 14. Business or marketing courses
- Strong revenue
- 24. Clothing boutique
- Private labeling or white labeling
- Cheapest auto insurance in Texas for 30-year-olds with poor credit
- Real estate agent commissions
- 4. Can I adjust my W-4 multiple times throughout the year?
- Cons
- Our pick for: Everyday spending
- How it works
- 13. Travel: Variable
- Cheapest auto insurance in California for 30-year-olds with poor credit
- 25. Ice cream shop
- 31. Old Navy
- Other ways to redeem Singapore Airlines miles
- TJX Rewards® Platinum Mastercard®
- 6. Make the right investments
- 1099-SA
- Selling bonds
- Does Choice Privileges match elite status?
- 9. Get creative with gifts
- Enough time in business
- 25. Daycare
- SafePal: 3.8 out of 5 stars
- 27. Create online courses
- Consider financing alternatives
- Our pick for: Prime gaming
- Property and transfer taxes
- Over half of small businesses have $50,000 or more in their business banking accounts
- Our pick for: Paying rent
- 8. Exit the airport and enjoy your trip
- 9. Familiarize yourself with your day-to-day responsibilities
- Where to get it
- Fees
- 7. Private equity
- USAA: Best for military and veterans
- Tracfone
- 26. Personal chef
- 32. Target Circle
- Cons
- 2. Choose a type of joint venture
- 15. Buy adequate home insurance
- 15. Personal wellness
- Collateral
- American Express® Business Gold Card
- 24. First-Time Homebuyers Assistance Program (Baytown)
- 26. Brewery or winery
- 28. Become a marketing consultant
- 14. Shipping: Variable
- What should you do if you’re invested in these REITs?
- 1. What is a service business?
- Title insurance
- Best insurance company for discounts: Amica
- How quickly do you want to launch your store?
- Cheapest auto insurance in Texas for 30-year-old drivers with one speeding ticket
- 27. Landscape services
- How to maximize your rewards
- 10. Lower your car costs
- 25. Homebuyer Assistance Program (Galveston)
- Alternative investment pros
- 27. Hardware store
- Methodology
- Cheapest auto insurance in California for 30-year-old drivers with one speeding ticket
- 2. How do you start a service business?
- Our pick for: Average credit and no annual fee
- Apple Cash: digital card
- 29. Develop an app
- 28. Pet grooming
- 33. Aveda
- 12. Become a dog walker with Rover or Wag
- What specialty features do you need?
- Community banks
- 26. Homebuyer Assistance Program (Houston)
- 28. Catering company
- Boost Mobile
- Look up the insurer’s financial strength
- Your house
- 3. How do you calculate the break-even point for service businesses?
- 11. Reduce your gas usage
- 16. Courses in hobbies or interests
- Making items yourself
- 29. Florist
- 34. BareMinerals
- Benefits of FHA loans
- Online lenders
- How it works
- 27. First Time Homebuyer's Program (Texas City)
- 29. Real estate agency
- Cheapest auto insurance in Texas for 30-year-old drivers with one at-fault crash
- 30. Make a smart appliance
- Your location
- 4. Do service businesses charge sales tax?
- Cash App debit card
- Do you want to be tied to a specific marketplace?
- The Business Platinum Card® from American Express
- Alternative investment cons
- Secure funding
- Cheapest auto insurance in California for 30-year-old drivers with one at-fault crash
- 35. Clinique
- Our pick for: Those who are unbanked
- Disadvantages of FHA loans
- 3. Draft a joint venture agreement
- 28. First-Time Homebuyer Program (Brazoria County)
- 30. Event venue and planner
- 31. Tap into virtual reality experiences
- Research the insurer’s reputation for customer service
- 30. Massage therapist
- You and your stuff
- Costco Anywhere Visa® Card by Citi
- 13. Sell unused gift cards
- 12. Bundle cable and internet
- 17. Bookkeeping and accounting
- Microlenders
- 36. CVS
- Our pick for: Limited credit
- Individual stocks
- How important is e-commerce compared with your other revenue streams?
- Add a personal bio and photo
- Where to get it
- 29. Harris County Downpayment Assistance Program (Harris County)
- 31. Tattoo and piercing shop
- 32. Make a niche dating site
- Hold the right cards
- Erie: Most generous coverage
- Cheapest auto insurance in Texas for 30-year-old drivers after a DUI
- 37. e.l.f. Cosmetics
- 13. Switch your cell phone plan
- 32. Veterinary office
- 33. Develop a chatbot
- Get a business credit card
- Cheapest auto insurance in California for 30-year-old drivers after a DUI
- 31. Nutritionist
- Our pick for: Target gaming purchases
- Best insurance company for customer satisfaction: State Farm
- Pros
- 4. Pay taxes
- Our pick for: Driving
- 18. Consulting
- Add images
- 38. Lancome
- 14. List your spare bedroom on Airbnb
- Compare insurance rates for drivers with an accident
- How much do you rely on omnichannel sales?
- 33. Food truck
- 34. Offer matchmaking skills
- 32. Personal trainer or fitness instructor
- Cons
- Dividend stocks
- 30. Home Closing Cost Program (Corpus Christi)
- Ting
- For cruise package deals: Costco Travel
- 39. Sephora
- 14. Reduce your electric bill
- Rearrange your items
- 34. Health clinic
- 35. Be a virtual assistant
- Our pick for: Good credit
- Play by the rules
- 31. Homebuyer Assistance Program (Corpus Christi)
- 33. Beauty services
- 40. SmashBox
- 5. Follow other applicable regulations
- Add sections
- 35. Bakery
- Cheapest full coverage car insurance in Texas for 40-year-olds
- 15. Lower your student loan payments
- 19. IT support
- 32. Down Payment Assistance Program (Laredo)
- 36. Reinvent exercising
- 1. What is the average cost to start a small business?
- Cheapest full coverage car insurance in California for 40-year-olds
- 34. Life coach
- 41. The Body Shop
- Verizon Visa® Card
- Understand the guest policy
- Add your shop’s "about" section
- 33. Homeownership Incentive Program (San Antonio)
- Nationwide: Best online experience
- 37. Create eco-friendly, health-friendly makeup and beauty products
- 2. How do you calculate startup costs?
- 42. Ulta
- 15. Sell your gently used clothes
- Best insurance company for military members: USAA
- 16. Cancel unnecessary subscriptions
- Directly with the Cruise Line
- Our pick for: Spending guardrails
- What is a prepaid debit card?
- 20. Graphic design
- 34. Home Ownership Program for Employees (HOPE) (San Antonio)
- Meet a local demand
- Cheapest minimum coverage car insurance in Texas for 40-year-olds
- 38. Open a food truck or restaurant pop-up
- 35. Tutor
- Our pick for: Travel
- Add a shop announcement
- 3. Are business startup costs tax-deductible?
- Lively
- Cheapest minimum coverage car insurance in California for 40-year-olds
- 17. Refinance your mortgage
- 35. First Responders Homebuyer Assistance Program (San Antonio)
- 39. Start an organization business
- 36. Daycare provider
- 43. AMC Theatres
- What is a prepaid credit card?
- Know how to navigate the SFO airport (to literally get inside)
- Our pick for: Walmart gaming purchases
- 36. Mortgage Assistance Program (Victoria)
- Scout locations
- 40. Do interior design for young professionals
- 4. What is considered a startup cost?
- 44. Barnes & Noble
- 16. Trade in old phones, electronics for cash
- Where can you get a prepaid card?
- 18. Set savings goals
- 21. Social media management
- Cheapest auto insurance in Texas for 40-year-olds with poor credit
- 37. Senior care provider
- Cheapest auto insurance in California for 40-year-olds with poor credit
- 45. Redbox
- How do you add money to a prepaid card?
- Openly: Fewest consumer complaints
- Calculate the costs of starting a business
- 38. Interpreter or translator
- Our pick for: Instant gratification
- Chase Freedom Flex℠
- Which prepaid card is best?
- 39. Housecleaning
- 17. Get a babysitting gig
- 19. Track spending
- 22. Marketing copywriter
- 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
- 40. Automotive repair
- 1. Gather your information
- 20. Pay off high-interest debt
- 23. Virtual assistant services
- 41. Handyman services
- Our pick for: A low security deposit
- 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
- 21. Keep savings in a high-yield savings account
- Cheapest auto insurance in California for 40-year-old drivers with one at-fault crash
- 42. Dry cleaners
- State Farm: Best perks
- 2. Choose the right liability car insurance coverage levels
- 22. Create a 50/30/20 budget
- 43. Hardware store
- Discover it® Cash Back
- 1. Do your research
- 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
- 44. Self-storage business
- 2. Get organized and make it official
- 45. Freelance copywriting and content creation
- 23. Shop consignment and thrift stores
- 46. Rideshare driver
- 20. Become a private tutor
- 3. Find the right financing
- Cheapest full coverage car insurance in Texas for 50-year-olds
- 47. Website development and design
- Cheapest full coverage car insurance in California for 50-year-olds
- 48. Sell clothes online
- Our pick for: Best Buy purchases
- 3. Decide if you need full coverage car insurance
- 24. Join initiatives to get free items
- You’re a first-time home buyer
- Our pick for: A mix of credit-building features
- 21. Drive for Uber, Lyft
- 49. SEO consultant
- Cheapest minimum coverage car insurance in Texas for 50-year-olds
- Cheapest minimum coverage car insurance in California for 50-year-olds
- 50. App development
- 25. Use car sharing services
- You live in a high-risk area
- 22. Make deliveries for Amazon, Uber Eats
- Cheapest auto insurance in Texas for 50-year-olds with poor credit
- 26. Stock up on household supplies when they’re cheap
- You have a dog
- Cheapest auto insurance in California for 50-year-olds with poor credit
- 4. Collect and compare car insurance quotes
- 23. Find work as a housesitter
- 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
- Our pick for: Digital Microsoft Store purchases
- 24. Sign up to be a mystery shopper
- 28. Cash in on your birthday
- You own an older home
- 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
- 25. Put your drone to work
- Cheapest auto insurance in Texas for 50-year-old drivers after a DUI
- Compare car insurance companies
- Cheapest auto insurance in California for 50-year-old drivers after a DUI
- Cheapest full coverage car insurance in Texas for 60-year-olds
- Cheapest full coverage car insurance in California for 60-year-olds
- 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
- 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
- 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
- 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
- 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