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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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- 2. How do you get paid?
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- Under 35
- Step 4: Choose a business name
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- 5. Event planning
- Does basic economy get a carry-on on United?
- Cash reserves
- EARN MORE POINTS WITH A MARRIOTT BONVOY CREDIT CARD
- SBA CDC/504 loans
- 8. Cinnabon
- 20% of your income: savings and debt
- Disadvantages of a lady bird deed
- 4. Sell lemonade in the summer or hot cocoa in the winter
- Use Schedule A
- Pay off the loan faster
- Permanent life insurance has tax benefits
- 3. Choose how much you want to invest
- Elevated rewards in common everyday categories
- 5. Walmart
- 2. Ignoring overseas income
- Brand explorer award
- 4. Compare lenders
- 3. Prove income or savings balance
- The opportunity cost
- HMBradley
- 2. Document your charitable contributions
- Best for a flat cash-back rate: CollegeCounts 529 Rewards Visa Card
- Total private
- 4.5-star plans
- Commissions
- Cash-out refinance
- 0% balance transfer credit card
- Faster sign-up bonus
- Only certain types of transfers are allowed
- What it is
- Is online banking safe enough?
- Boston
- Health insurance and pharmacy benefit management
- 2. Choose a rollover IRA provider
- Bank of America® Premium Rewards® Elite credit card
- One step further: Search for single legs
- Opting out of coverage
- Room service
- Pros
- Event and travel fees will be more transparent
- Costs
- 3. Required minimum distributions
- Preparation and packing
- 2. Decide how much help you want
- High annual fees or poor customer service
- Do you want to pay an annual fee? How much?
- MyLowe’s Rewards Credit Card
- VGLI cons
- Itemizing
- Loan-to-value ratio
- ASPCA
- Invesco WilderHill Clean Energy ETF (PBW)
- 5. Bring a friend — or three
- Step 4: Refine your withholdings
- If you're 59½ or older and the account is at least 5 years old
- Promo codes are abundant
- Fly on the holidays (or as far from it as possible)
- Cons
- 2. Pick a product to import or export
- 5. Automotive repairs
- 3. Decide how many shares to buy
- Business insurance
- 4. A valuable sign-up bonus for new cardholders
- Municipal bonds
- 5. Recalculated refund scam
- 5. Southwest Airlines Rapid Rewards
- Economically disadvantaged individuals
- 4. Check Airbnb for condo deals
- Pay attention to account minimums
- 2. Choose an investment account
- Managing debt
- 4. AC Hotel Miami Beach
- How merchant cash advances work
- Sell your car
- Less than a year
- 7. Curate subscription boxes
- Trip delay insurance
- Get a credit card that includes free checked bags on Hawaiian Airlines
- Start with a budget
- 3. Decide where to buy mutual funds
- You are new to credit and have a short credit history
- Ownership and management team
- Look into level billing
- Summary of earned wage access apps
- 75 plan
- You're ready to take responsibility
- Contact your funding organization
- 3. Set up balance alerts to stay on top of spending
- Should you refinance your student loans?
- 6. Adoption credit
- 1. Can the borrower pay its bonds?
- 1.Meet the requirements
- 4. Consider your spouse
- 1. Nine Hours Capsule Hotels in Japan
- 1. Online advice services
- How often you travel
- 2. Shop around for the best loan
- Your dollars could become more valuable
- 4.5-star plans
- Videos
- Pay down and redraw balances
- Gusto Impact Award
- Large sign-up bonus
- Cost
- Pricing
- 92% of loyal customers ranked price and value for the top reason why they stay loyal to brands
- To consolidate debt
- Medicare Part D IRMAA in 2024
- DTI for VA loan
- It can be costly to end your lease early
- Costs that are not included in DTI
- 4. Contribution limits are high
- How much does an abortion pill cost?
- Owner-builder loan
- 2. Broker-dealers and brokers
- Winner for reliability: Spirit
- Auto loans
- 4. Tutor
- You’ll only fly Frontier once or twice per year
- 1. Multiply your income by 10
- My Choice Texas Home
- Decentralized exchanges: Competitive prices, but more complex
- 2. Take a cut with affiliate marketing
- Best insurance company overall: Travelers
- 2. You must have owned the home for at least two years
- Bond ETFs
- Los Cabos
- Making a down payment
- PenFed: Best for a seamless application process
- ASPCA
- 6. Video production
- Step 3: Ride the organic marketing train
- 3. Learn to use AI tools
- Redeem ConnectMiles for flights
- Documentation
- Resident status rules
- Compare referral sign-up bonuses
- 1. Make sure you’re eligible to get an EIN online
- Establishing domicile
- 9. Cold Stone Creamery
- Fast Break for Small Business
- Mortgage insurance
- Ink Business Preferred® Credit Card
- What is the difference between a wealth manager and a financial advisor?
- Earn points with a welcome bonus
- Is it worth claiming medical expenses on taxes? Consider your filing status
- Proof of age
- Lengthen the repayment term
- Serving parents, babies, and small children
- ETF cons
- Is rental car coverage primary or secondary?
- Bring a bigger down payment to the table
- 1. States with no income tax
- Whole life insurance offers guaranteed returns
- 6. Home Depot
- Step 5: Find the right location
- 1. Book a Hyatt room on a club floor
- Cons of tech stocks
- Best for those with a Greenlight subscription
- More limited card acceptance or benefits
- 3. Marriott Bonvoy Brilliant® American Express® Card
- Our pick for: Intro APR + high rewards on everyday spending
- Equity vs. debt
- Cities with the top five annual rent price declines or smallest increases:
- 3. Budget for emergencies
- Talk about what happens if you win
- 1. Credit identity theft
- Your strategy: Cast a wider net
- The percentage method
- Personal loans
- 2. Score sponsorships
- Bitcoin pros
- 2. Pool your points
- Airport lounge access
- 3. Arrive at the airport two hours early
- Signs of fraud
- Los Angeles
- Buying a put example
- 2. Create your envelope categories
- Can you travel domestically with an expired passport?
- 3. Dollywood — if you love theme park shows and entertainment
- 1. Specify the number of points you want to spend
- Classes of service
- 3. Work with an expert
- Give your final answer in writing
- Overdraft protection transfer and overdraft line of credit
- If you opt for Kyte’s self-pickup service, you can save
- 3. Write a business plan
- How to dispute errors on your credit report
- Cons
- Use your employer benefits
- CalHFA Zero Interest Program
- 4. Be smart about how you ask
- You've graduated to a permanent card
- 4. Pick a flight
- Gray
- 2. Points are easy to earn
- How to maximize your rewards
- 3. Swagbucks
- Step 5: Sign and date your W-4
- How long will it take to pre-qualify?
- Goodbudget
- 3. Pentagon Federal Credit Union (PenFed) Rewards
- Hawaiian Airlines
- Reasons for unfreezing your credit
- Do tipped workers earn the minimum wage?
- 4. Prepare your car and complete the sale
- Other fuel cards to consider
- 1. Derivatives
- LifeLock pros
- Choosing corporate tax status for your LLC
- 6. IRS account sign-up scam
- Log into your Southwest account to change flight
- Allow up to 50% of your income for needs
- 6. JetBlue TrueBlue
- How much is Netflix a month?
- Zengo Wallet: 4.8 out of 5 stars
- 1. All Nippon Airways
- How this calculator works
- If your tax rate is low now and you expect it to be higher in retirement
- 4. Personal trainers
- But wait, there’s more
- Global Assist hotline
- Forgiveness comes sooner
- 5. Hyatt Zilara Cap Cana, Punta Cana, Dominican Republic
- 5. Teach others a skill
- International travel with an adult
- What you can do
- Building your credit score
- Wants
- Cash back in customized spending categories
- 3. Banking on cryptocurrency
- 4. Pay a few months’ rent upfront as a security deposit
- Question 3: What is the likelihood that the invoice will be paid in the future?
- Why are so many PSLF applications rejected?
- When it could still make sense
- Distributions
- Management and ongoing requirements
- 4. Max out your retirement accounts
- Company history
- Personal property coverage
- Medicare Part A
- 2. Buy an S&P 500 index fund
- Can a change be made on the day of travel?
- There is a pro-rata rule for backdoor Roths
- Pros
- 60 plan
- Work with a business accountant or certified tax advisor
- If you are converting your 401(k) to an IRA
- Step 3: Buy the gold ETF
- 7. Earned income tax credit
- 2.Pick your path
- Gas bill
- Home supply is still limited
- 3. Don’t use the money
- FICO 8 is the most widely used among lenders
- Seat selection
- Home equity loan pros and cons
- Mint fare availability varies
- 1. Making money
- City of Orlando Business Assistance Program
- What’s the problem with rental junk fees?
- 69% of consumers say choice of retailer is influenced by where they can earn customer loyalty/rewards program points
- 4. You can earn Hilton Honors status without ever staying a night in a Hilton property
- Credit card rewards could look different
- 3. The RealReal
- Type of car and history
- Embrace
- Benefits for employers
- 3. You must have lived in the house for at least two years in the five-year period before you sold it
- Puerto Vallarta
- You can still earn airline miles
- Example interest checking APYs at select institutions
- Comparing auto loans
- LendingTree Spring
- Find a car loan
- 6. Home cleaning
- 7. Podcasting
- Employee-related insurance
- 5. Consider using your credit card’s trip delay insurance
- Pros of debt consolidation
- Example screenshot comparison
- Appraisals
- Part-year resident status rules
- Our pick for: Paying down medical debt
- Watch out for account fees
- International travel
- Tap into equity
- How do I make sure coverage applies to my rental?
- What factors affect the amount you can borrow
- Bring documents showing financial stability
- Cash value policies can make it easier to get a loan
- Pros
- 4. Select a provider to open your Roth IRA
- 7. Ikea
- 3. What are my all-in costs?
- Returning the car
- Step 3: Weigh the pros and cons of paying to upgrade your seat
- 5. Pre-qualify with a soft credit pull
- More than a year
- Ages 35 to 44
- 4. Up to $200 in annual credit for airline incidental fees
- Benefits at Six Senses
- 3. Turkish Airlines Miles&Smiles
- Oportun
- Fly in a premium cabin
- Track your spending
- Chasing hot-performing funds
- What qualifies:
- Accessibility
- Avoid optional big expenses
- Where to get auto insurance quotes
- Our pick for cash back
- Premiums
- You can afford a location that meets your needs
- Stock mutual funds = higher potential returns (or losses)
- The Medicare Part B penalty
- Why it’s the best
- Prepare for a future tax bomb
- Crashes and car theft
- Personal loan calculator
- Size of the AC system
- Premium tax credit eligibility
- Neu Credit Card
- Parts and inventory
- Make lump sum payments
- The federal student loan servicers
- Flooding
- Divorce or separation from a spouse
- If you’re traveling for an emergency
- 3. Certified financial planner
- Home equity loans
- 5. Freelance writer or editor
- 6. Michigan Veteran Entrepreneur-Lab
- 6. If you're taking Acela, book early
- 2. Buy 10 times your income, plus $100,000 per child for college expenses
- Valuation metrics
- Euphoria and despair
- Economic data
- Should you buy or sell based on these signals?
- International ETFs
- Cheap car insurance after a speeding ticket
- Fare flexibility/ticket changes
- Embrace
- 2023 credit card bonus categories
- Travel perks at no cost
- 7. Casualty loss scams
- 1. Cash dividends
- FICO score ranges
- SBA microloans
- 10. Del Taco
- If your tax rate is higher now than you expect it to be in retirement
- Places with the highest median down payments (in dollars)
- The problem
- Working toward financial goals
- The pros
- You can redeem miles for almost any type of travel
- 3. Bonds and bond index funds
- 5. Provide reference letters
- Versatile redemptions
- 8. Create an airport-centric app
- Credit score for FHA loans
- Rental car insurance
- Step 6: Get the appropriate licenses and permits
- Transitional hiccups
- Credit card pros and cons
- Agriculture, forestry, fishing and hunting
- Mission statement
- Capital gains vs. fixed income
- Medicare Part B
- 2. Child identity theft
- Cons
- Pros
- Bitcoin cons
- 4. Pay your bill before your issuer reports to the credit bureaus
- 3. Limit spending to the envelopes
- 5. Research first-time home buyer assistance programs
- Our pick for: No credit check at all
- 3. Move the money
- 2. Browse hotels and filter results
- 8. Charitable donation deduction
- 3.Network
- Hollywood Studios
- Passenger amenities
- 2. First Cabin Capsule Hotels in Japan
- Flood insurance coverage beyond the NFIP
- If you’re willing to be loyal to a specific brand
- Decision group
- Consumer price index (CPI)
- 3. Pre-qualify
- The benefits of compound interest
- Use a debt repayment method
- Grace periods
- For fares with Mint
- 4. Narrow in on a business that aligns with your budget, goals and resources
- Specialty restaurants
- Rental housing platforms commit to price transparency
- Average car insurance costs after a speeding ticket in California
- Step 4: Register your business
- Simpler
- 4. Catch-up contributions
- Geico general liability insurance
- 5. You may be able to switch airlines
- Tactic 2: Use points or miles
- 1. Locking up savings for a near-future purchase
- Which card has bonus categories that overlap with your frequent expenses?
- Sam's Club® Mastercard®
- 5. Pay and book
- Applying for federal student loans
- Benefits for employees
- Our pick for: Online purchases
- You can cancel or change a reservation as per the travel provider’s policy
- Navy Federal: Best for military members
- Tips for unfreezing your credit
- 7. IT and computer services
- 5. No late fee the first time you pay late
- Select your flight
- Redeem ConnectMiles for upgrades, transfers or donations
- Make sure your business is eligible
- Nonresident status rules
- Choosing a card
- 2. Gather the necessary information
- Cost (and quality) of living
- How much is YouTube TV?
- IFundWomen Universal Grant Application Database
- Our pick for: Strategic shoppers
- Earn milestone bonuses
- 1. Get certified
- Keep good records
- 1. Find a dividend-paying stock
- Academic consulting services
- What coverage is included?
- Dun & Bradstreet business credit scores
- Consider bringing your own financing
- 2. States with flat income tax rates
- There’s flexibility with repayments
- Cons
- 5. Key Largo Bay Marriott Beach Resort, Key Largo, Florida
- Swagbucks
- How invoice financing works
- 4. What are your qualifications?
- Voluntary repossession
- Why it’s the best
- Seller concessions
- 5. Up to $200 in Uber cash for rides
- Earning points
- 2. Use Hyatt Milestone Rewards
- Become a HawaiianMiles member
- 3. Don’t miss out on tax deductions for volunteering
- 1. Touchless technology
- Find ways to save
- Best for those with a Fidelity 529 plan: Fidelity® Rewards Visa Signature® Card
- Your credit profile is too one-dimensional
- 4. Index funds
- Get your credentials
- Ways to maximize savings when booking with Chase partners
- 4. Tackle high-interest debt
- What doesn't qualify:
- 1. Fill out a mortgage application
- Hotel elite status
- Can a host decline buying Turo’s protection plan?
- Learn more about online banking
- 4. Keep your ID handy
- How to protect yourself
- Salt Lake City
- State minimum car insurance requirements
- Purchase a pass
- Can you fly with an expired passport to another country?
- 2. Capital One Miles are transferable
- 5. Investigate divorced spouse benefits
- FICO is the go-to for mortgage lenders
- Infographics and other types of written content
- 3. Get free Wi-Fi (365 times)
- Pros
- How to report fraud or identity theft
- Installation and labor: $75 to $250 per hour
- Attractions
- 3. Pick an investment account
- Earthquakes and other earth movement
- Eat cheaper
- Fetch
- Silver
- 3. Use the DIME formula
- Costs and fees to keep in mind
- 4. You cannot have claimed the home sale capital gains exclusion recently
- Baggage and seat selection
- 2022 credit card bonus categories
- 4. Buy stocks using the right order type for you
- 8. IT consulting
- A decent base rate on all purchases
- LifeLock cons
- 8. Identity theft scam
- 2. Stock dividends
- Tax credits for people with kids
- 5. Ski for free (or just less)
- 1. Submit a franchise application
- Small-cap stocks and value stocks may outperform
- 11. Denny’s
- About the Miles & More frequent flyer program
- Places with the lowest median down payments (in dollars)
- Nursing mothers
- Get rid of FHA mortgage insurance
- Saving for and buying a home
- Savings and debt repayment
- Bonus cash back in rotating categories
- 4. Not reporting income from an all-cash business or illegal activities
- 6. Apply with a hard credit pull
- 6. Offer to start out month-to-month
- 4. Consider flipping investment properties
- 9. Become a destination wedding planner
- Term life insurance rates for nonsmokers
- Taxes
- 4. Marriott Bonvoy Boundless® Credit Card
- Medicare Part D
- Broker fees
- Unlimited cashback match
- How to activate My Chase Loan
- Cons
- 3. Get a companion pass
- Copays, coinsurance and deductibles
- 4. Busch Gardens Williamsburg — if you love Epcot
- 3. Confirm availability and book
- 9. Medical expenses deduction
- 4.Start applying for jobs or pitching your services
- Equity REITs
- Home equity lines of credit pros and cons
- Your points earnings
- British Airways Avios
- Emirates Skywards Premium World Elite Mastercard®
- Boarding passes
- 1. Find a dividend-paying stock
- North Miami Community Redevelopment Agency grants
- Some beverages
- Zolve Credit Card
- Income-driven repayment plans can shrink payments
- Applying for private student loans
- Buy now, pay later loans
- 6. Transcriptionist
- 7. National Association for Self-Employed (NASE) Growth Grants
- Texas mortgage credit certificate
- 3. Points are easy to use
- Bitcoin or crypto ETFs
- Price
- Icelandair
- Premiums
- 3. Tap your home equity for a loan or line of credit
- Expensify
- Step 4: Invest in the tools of the trade
- How do I access a HELOC?
- Leave 30% of your income for wants
- United Airlines MileagePlus
- VantageScore ranges
- Understanding your results
- 5. Newborn and post-pregnancy services
- 2. Leverage your personal experience
- 6. Hyatt Ziva Cancun, Mexico
- What isn't covered?
- How can I qualify to borrow more?
- 3. States with progressive tax structures
- 6. Up to $200 in annual hotel credit
- Redeeming points
- Earn elite status (Pualani)
- Best for those with a Merrill 529 plan: Bank of America® credit cards
- Increased product-change options
- Following a suggestion from family or friends
- Application decision
- Application and underwriting process
- Product/service and customer
- 3. Synthetic identity theft
- The aggregate method
- Marriott hotels
- Should you invest in retail stocks in 2023?
- 2. Free or cheap financial apps
- When purchasing a ticket
- 4. Register your transportation business and get an EIN
- White papers, e-books and presentations
- Damage you do to others
- Cons
- Design
- Come up with an investing strategy
- Call and ask for better terms
- 2. Keeping some savings at a distance
- Construction loans to build a house
- 4. Financial consultant
- 4. Grailed
- What you can do: Cut out some small stuff, too
- Your credit score
- Lower fares than everyone else (six per reservation)
- Mastercard vs. Visa: Weekly results
- How to maximize your rewards
- 4. Fiverr
- 3. Land a brand deal and make sponsored content
- 5. You cannot have bought the house through a like-kind exchange
- Travel packages can save you money
- 8. Pet store, grooming and boarding
- Healthy Paws
- 2021 credit card bonus categories
- 9. Catering
- 9. Ghost tax preparer scams
- Search for a new flight (or new ticket on the same flight)
- 3. Dividend reinvestment programs (DRIPs)
- Revocable life insurance trusts
- Cons of debt consolidation
- Gather documents
- How much can refinancing save?
- How much is Hulu?
- 12. Edible Arrangements
- Amber Grant for Women
- Look at the pricing and execution fine print
- Unpaid interest is cancelled
- International travel as an unaccompanied minor
- Switch from an adjustable- to a fixed-rate loan
- The cons
- 5. How will our relationship work?
- 7. Get a co-signer or a roommate with strong credit
- Ages 45 to 54
- IHG Ambassador benefits at all the other IHG brands
- 10. Make local guides
- Step 7: Register for taxes and obtain an EIN
- Sesame Cash
- 4. Keep the deadline in mind
- Term life insurance rates for smokers
- 5. Optimize for tax implications
- 2. Pick which options to buy or sell
- Mastercard World Elite benefits
- Before delaying
- Is it better to get a second mortgage or refinance?
- 5. Wear easy-to-remove shoes
- Bond mutual funds = lower returns (but lower risk)
- Traveling with expired passport rules during COVID
- Go to Epcot during a festival
- 10. Deduction for state and local taxes
- Net worth of U.S. families by income
- Mortgage REITs
- 2. Shop around and get quotes
- Personal consumption expenditure (PCE)
- 4. Apply for the loan and receive funds
- Drinks onboard the aircraft
- Andover Companies: Best coverage
- Casino and entertainment
- Step 5: Get licenses, permits, and insurance
- 5. Education savings and loan debt
- Structures used for business
- Choose cars that hold their value
- Should you opt for a different credit card?
- Figo
- 7. Blogger
- More flexibility
- 8. Small Business Innovation Research and Small Business Technology Transfer programs
- Brown and beige
- How to maximize your rewards
- 4. Barclays rewards
- SBA loans
- 4. Take surveys for money
- 6. No foreign transaction fees
- How much does a HELOC cost?
- Pros of buying bonds
- Pros
- Singapore Airlines KrisFlyer
- 3. Submit your application and wait
- Guarda: 4.6 out of 5 stars
- Hedging against future downturns
- SBA disaster loans
- Mortgage rates
- Credit cards that earn World of Hyatt points
- Transfer flexible credit card points to IHG
- 3. Market yourself
- Cons
- 6. Find local gigs through Nextdoor
- 2. Evaluate the stock
- Elder care services
- What vehicle rentals are excluded?
- Equifax business credit scores
- The solution
- Whole life insurance is expensive
- 6. Residence Inn St. Petersburg Treasure Island, St. Petersburg, Florida
- If you're eyeing a Companion Pass or A-List Status
- Conventional loans
- 4. Real estate investment trusts (REITs)
- 7. Up to $300 Equinox credit
- 2. Redesigned common areas
- Salary and distributions
- Investing in individual tech stocks
- 4. Understand mutual fund fees
- Identity theft or a mixed credit file is dragging your score down
- Mining, quarrying and oil and gas extraction
- Loss of use coverage
- 5. Plan for retirement
- Brief break from interest and late fees
- Learn more about online banking safety
- You're reacting to pressure from friends or family
- If you’re victimized
- 5. Monitor your total credit utilization
- Pros of health care stocks
- 6. Compare mortgage rates and fees
- Stay at a Universal resort
- 3. Capital One has 18 transfer partners
- 6. Add your minor child
- Magic Kingdom
- 3. Book and Bed Capsule Hotels in Tokyo
- Aer Lingus
- Home prices keep climbing
- Make multiple credit card payments per month
- 4. Alert authorities to fraud
- 5. Do your due diligence
- How to freeze your credit
- How states are combatting rental housing junk fees
- Seasonal Energy Efficiency Ratio (SEER) Rating
- 3. Investment accounts for kids
- When 2% cash back isn’t quite 2%
- You don't want to risk sold-out cars
- Geico professional liability insurance
- 3. Ensuring returns without market risk
- What are your options?
- PayPal Cashback Mastercard®
- When are taxes due in October?
- 5. Financial coach
- 1. Have your award number ready
- 1099-A
- Choose a name
- High-interest installment loans
- 4. Replace your income, plus add a cushion
- 4. You can exchange points for airline miles
- 6. You cannot be subject to expatriate tax
- Cheap auto insurance after an accident
- Your money management style
- Copays, coinsurance and deductibles
- Lounge access
- Where to get preapproved for a car loan
- 3. Source your suppliers
- 2020 credit card bonus categories
- Market orders
- 10. Social media management
- 4. Special dividends
- 2. Promote your business
- 6. Don't overlook Europe
- 13. Firehouse Subs
- But wait, there’s more
- What you can do
- Retail space
- 7. Make on-time payments to build credit
- Baggage coverage
- Let them know you're a military member
- Use designated accounts for spending and savings
- Pick the funds with the highest star ratings
- Choose a legal structure
- Future goals
- 4. Taxpayer identity theft
- Your strategy: Make a budget and stick to it
- 2. Review your Loan Estimates
- 3. Tap TikTok’s ‘Creativity Program Beta’
- 4. Pledge loyalty to a single airline
- Rental car elite status
- Full coverage insurance
- 11. Mortgage interest deduction
- Net worth of U.S. families by age
- Methodology
- Some water damage
- Which is better when?
- Post-class group
- Why it’s the best
- 2. Evaluate the stock
- Podcasts
- Injuries to you
- Excursions
- Food and drinks
- Routine wear and tear
- Check leasing specials
- 6. Check your credit card for trip delay insurance
- Build your score and then switch cards
- Your debt-to-income ratio
- Better perks for MileagePlus Premier members
- How to maximize your rewards
- Best insurance company for affordability: NJM
- Hawaiian Airlines-JetBlue partnership
- Sector ETFs
- JSX and Silver Airlines
- Rocket Money
- 9. Salon or barbershop
- Nationwide
- Emirates Skywards
- Create your System Award Management (SAM) account
- Alaska
- National Association for the Self-Employed Growth Grant
- How to get the best deal for a Lufthansa economy award flight
- 6. Enrichment activities for children
- 4. Figure out what to charge
- 7. Freelance
- Pregnant travelers
- 2. Find the right location for your vending machine
- How long will the rental be covered?
- Maintaining financial health
- 5. Gather your paperwork
- 3. Fill out the trade ticket
- 6. What's your investment philosophy?
- Why it’s the best
- Ages 55 to 64
- 8. $300 SoulCycle credit
- 11. Create a local grocery delivery service
- Debt-to-income ratio
- Step 8: Brand your cupcake business
- Unsecured funds
- 5. Exchange-traded funds (ETFs)
- Our pick for: Everyday spending
- Post-funding process
- Inverse performance
- Similarities
- Premium
- Money market mutual funds = lowest returns, lowest risk
- Buying a put vs. shorting example
- Cons of health care stocks
- Hybrid REITs
- Elite status benefits and goals (or lack thereof)
- 5. Pay off lenders and begin repayment on your personal loan
- 1. Individual stocks
- Air France-KLM Flying Blue
- UBS Visa Infinite Card
- Perkins loans
- 4. Fly on holidays for free drinks
- Pay bills on time
- Business lines of credit
- WomensNet grants
- Cash-out refinance
- 1. Figure out your gross income
- What is the Global Entry interview like?
- Credit access and security are also concerns
- Renovation loans to buy and repair fixer-uppers
- Sample monthly VGLI rates
- 6. Portfolio, investment and asset managers
- 2. Know how many miles you need
- 1099-B
- Lemonade
- Obtain your individual taxpayer identification number
- 9. Southern California Job Creators Grant
- Red
- 1. Have a goal for your index funds
- Annual hotel savings benefit
- Mastercard vs. Visa: Daily results
- Bonus features
- Rewards expire in a year
- Book one to three months in advance
- Earning rates
- What is the Buffett indicator?
- 2019 credit card bonus categories
- Cons of buying bonds
- 5. Preferred dividends
- Irrevocable life insurance trusts (ILITs)
- Commit 20% of your income to savings and debt paydown
- Compare car insurance rates for 35-year-olds
- How much is Disney+?
- 14. IHop
- Additional standard deduction 2023 (taxes due 2024)
- Make Money
- 7. Marriott All-Inclusives
- 3. Decide how much stock you want to buy
- Special equipment
- Leverage elite status
- What's next?
- Progress billing
- 4. Air France-KLM Flying Blue
- 3. Flexible cancellation policies
- Whole life insurance rates for nonsmokers
- Make a plan to pay off debt
- 6. Invest for more than retirement
- 5. Southwest Rapid Rewards® Plus Credit Card
- Break down your results
- Debt management plan
- Changing tickets booked with miles
- Book Wanna Get Away Fares
- Cash management accounts
- Our pick for: Beginner-friendly features
- 1. How long you have to rollover a 401(k): The 60-day rule
- 5. Disneyland Paris or Disneyland Tokyo — if you still want the Disney experience
- 12. Gambling loss deduction
- Net worth of U.S. families by race or ethnicity
- Loyalty program earnings
- 4. The O Pod Hotel in Tel Aviv, Israel
- Damage to certain items and parts of your home
- What if you can’t pay your bills?
- Priority Pass lounges
- Webinars
- Can you upgrade to Mint after booking?
- Amenities
- Be consistent
- Disability housing grants
- 6. Saver's tax credit
- Infestations
- Consider a condo
- Price the car
- Try different ways to avoid overspending
- Rewards rate
- Your payment history
- 8. Graphic designer
- 5. If you have high-tier Marriott status, you get free United Airlines Premier Silver Status
- On-platform storage: Easy to use, with some risks
- 4. Sell some merch
- What do I need for my loan application?
- 2. Digital assets
- 11. Business planning service
- 7. An account-locking function
- You can use credit card benefits to travel in basic economy
- Cons
- British Airways Executive Club
- Wait for a decision
- 2. Write your business plan
- Exodus: 4.5 out of 5 stars
- Consistency is key
- Bizee’s Fresh Start Business Grant
- 2. American Airlines
- 3. Learn the difference between investing in stocks and funds
- Diaper bags
- Animal care services
- What if I don’t have personal auto insurance?
- Experian business credit scores
- Methodology
- Saving and investing for retirement
- 7. JW Marriott Marco Island Beach Resort, Marco Island, Florida
- 9. Up to $240 in digital entertainment credit
- 5. Rent out a room
- Buy it
- 12. Start a virtual event planning company
- MoCaFi
- Universal life vs. whole life insurance rates for men
- How much dwelling coverage do I have?
- Best for those with a SoFi Loan: SoFi Unlimited 2% Credit Card
- 6. Optimize your finances with tax planning
- 5. Split the family into different itineraries
- Standard
- Your credit score could use some work
- Gap insurance
- Look for food similar to high-end restaurants, served elsewhere
- NerdWallet's List of Best QuickBooks Alternatives
- 4. You’ll earn the most through Capital One Travel
- 7. Suspend your benefit
- 2. Mutual funds
- Tap into savings to pay down debt
- 3. Decide how much stock you want to buy
- HEAL loans
- Keep credit utilization below 30%
- How to request a copy of your credit report
- 3. Secure funding
- Gratuities
- California car insurance rates after a speeding ticket by company: 35-year-old drivers
- 1. Examine your cooling needs
- 2. Find your adjusted gross income
- Costs
- 1. Make sure you're eligible
- You might be able to reserve a car now — and rebook the same one later at a discount
- Chattel loans
- If you have buyer's remorse
- 3. Know your travel dates and flexibility
- 5. Vestiaire Collective
- PetsBest
- Apply for your employer identification number
- Bundled cost
- Free airfare for kids on some flights
- Leveraged ETFs
- Account linking
- 5. American Express Membership Rewards
- You must pay in advance to use a promo code
- What you need to get preapproved for a car loan
- 10. Gas station
- 2018 credit card bonus categories
- Step 5: Staff wisely
- Book your ticket and pay/get credited the difference
- 6. Dividend funds
- Florida
- 15. Melting Pot
- Additional standard deduction 2024 (taxes due 2025)
- Loan limits
- Low-down-payment mortgages
- Buy IHG points
- 8. Tutor your peers
- 2023 tax rates by state
- Cash value takes a long time to build
- Retail supplies
- Ages 65 to 74
- 1. Through Hyatt hotel stays and purchases
- Investing in tech funds
- Whole life insurance rates for smokers
- Thinking bonds are too boring
- Utilities
- Fees and collateral
- Liability coverage
- 5. Medical identity theft
- Bankruptcy
- Our pick for no-annual-fee cash back
- Statement credits
- WANT TSA PRECHECK FOR FREE?
- 7. Gather your loan paperwork
- 2. Taxes are withheld
- 13. IRA contributions deduction
- Net worth of U.S. families by education
- Publicly-traded REITs
- Emirates Skywards
- 5. Get licenses and permits
- Your stolen stuff
- Online term loans
- Cell phone insurance
- Get quotes from dealers
- After you're approved for Global Entry
- 3. Apply for institutional scholarships and grants
- 1. Use a CD ladder
- Venmo Credit Card
- 7. Wealth advisors
- 1099-C
- 10. Stephen L. Tadlock Veteran Grant
- 2. Research index funds
- No foreign transaction fees
- 5. Upwork
- Qatar Airways
- Example CD APYs at select institutions
- 4. Borrow from your 401(k)
- 4. Price your product
- 1. Think long term versus short term
- Spot
- 1. Earn elite status
- 12. Tax consulting
- 5. Make money from your blog with affiliate links
- Iberia Plus
- How much is Max?
- Our pick for: Flexibility
- Eureka
- 7. Mobile apps and entertainment for children
- Best cities for first-time homebuyers by region
- Car seats
- How does coverage vary for international rentals?
- Upside
- Government-backed loans
- 5. Money market funds
- 7. What asset allocation will you use?
- Step 4: Check to make sure your seat selection is OK
- 10. $189 Clear credit
- Invoice financing
- Use credit card perks, maybe
- Step 9: Separate your business finances
- Universal life vs. whole life insurance rates for women
- You applied for new credit recently
- Get licensed
- 1. Review your W-4
- Minimum
- Individual health care stocks
- Don’t skip free hotel breakfast
- Most of your basement
- Competition remains steady
- Limited schedule
- 2. Managing money
- 5. Watch for sales (They happen frequently)
- Keep credit accounts open
- National Association for the Self-Employed (NASE) grant
- Medical care
- California car insurance rates after a speeding ticket by company: 20-year-old drivers
- Home equity sharing agreement
- 2. Time it right
- Native American Direct Loan
- 7. Hardship withdrawals
- 2. Determine a repayment strategy
- How to tackle your own debt
- Manufactured home mortgages
- Register as a legal entity
- 9. Video producer
- Blue
- 6. You can give yourself a ‘points advance’
- Hotel elite benefits aren’t recognized
- Money Manager
- 11. Grocery store
- 2017 credit card bonus categories
- Resident status rules
- 8. Social Security number alerts
- Boost your other credentials
- 16. Moe’s Southwest Grill
- Home maintenance and repair services
- Overfunding a policy can be costly
- 6. Pick your investments
- 8. JW Marriott Santa Monica Le Merigot, Santa Monica, California
- Packing and shipping supplies
- Government bonds
- 13. Sell zero-waste products
- Down payments and gift funds
- Develop good credit habits
- 7. Chat with an advisor
- 6. Investment apps
- Start with the elevator pitch
- Find your flight
- Filing status
- Which is easiest to qualify for?
- Debt settlement
- Differences
- 6. Book hotel suites
- 14. 401(k) contributions deduction
- 5. Petra Capsule Hostel Near Petra, Jordan
- Whether it might be better to earn points instead
- Etihad Guest
- Consider a personal loan
- Goals: Keep them realistic
- What makes it different?
- 2. Open a no-penalty CD
- Get your finances in order
- Sample annual rates for a $500,000 policy: VGLI vs. term
- Showers
- 1099-CAP
- 11. Feed the Soul Foundation's Restaurant Business Development Program
- How to maximize your rewards
- Noncustodial wallets: More effort, more security
- 5. Offer memberships
- Resident status rules
- Cheapest car insurance after a DUI
- Security
- Fare flexibility/ticket changes
- Is the Buffett indicator high or low right now?
- 2. Look into tax-loss harvesting
- Trupanion
- Watch the calendar
- Limit orders
- Fleet expense management tools
- View the reconcile summary
- Nevada
- Coinbase Wallet: 4.4 out of 5 stars
- Venmo Small Business Grant
- Chase Sapphire Cards
- Take advantage of promotions with travel partners
- 9. Take surveys
- What’s next?
- Average annual car insurance costs from large companies
- Consider paying with miles
- Appraisal fee
- 11. Reimbursement of application fees for TSA Precheck or Global Entry
- Geico vs. Allstate home insurance
- 2. Through credit card spending
- Don’t forget your pineapples and papayas
- Best for a big sign-up bonus: Laurel Road Student Loan Cashback Credit Card
- Ignoring the fees
- 3. Predict the option strike price
- 6. United℠ Explorer Card
- Taxes
- 6. Account takeover
- 3. Loan processing takes over
- Use the Low Fare Calendar and book in advance
- 4. Use gifting
- Bonus pick: Consider a Disney Cruise
- 2. Is now the right time to buy bonds?
- 8. Use a do-over
- Number of stops
- Public non-traded REITs
- 3. Index funds
- 1. Avoid filing your tax return on paper
- Kyte’s young-renter fee
- Parent PLUS loans
- Space out credit applications
- Invoice financing
- 3. Look for equipment rebates and tax credits
- 4. Open your account
- Set the lease terms
- 4. Ask about residency exceptions
- 8. Robo-advisor
- 10. Photographer
- 6. Capital One Rewards
- Inexpensive
- If you wish to cancel or change a booking, you have to go through Orbitz
- Set a price alert
- 2016 credit card bonus categories
- 2. Use credit card statement credits to offset Frontier seat fees
- Equipment financing
- 9. Cash at checkout
- Perks await when you fly economy with elite status
- Tax credits for low-to-middle-income households
- How much is Apple TV+?
- 17. P.F. Chang’s
- Property standards
- InboxDollars Surveys
- 8. Shared accessories and attire
- Down payment assistance programs
- What is the procedure for filing a claim?
- Downside
- 1. Automate transfers
- Infinite banking is complicated
- Materials
- 14. Make products for pets
- 5. Aegean Airlines Miles+Bonus
- Dave
- How are my belongings covered?
- 5. Manage your mutual fund portfolio
- 7. Invest to build your future goals
- Earned income
- Long-term accounts
- 8. Get a preapproval letter
- Pack prepackaged snacks
- 5. You can redeem Capital One Miles in a variety of ways
- Living expenses if you can’t stay at home
- Iberia Plus Avios
- Budget: Factor in all the costs
- Chubb: Best for high-value homes
- How long do I need an SR-22 in California?
- FedEx Small Business Grant Contest
- Laundry
- Personal loan
- 3. Add back certain deductions particular to MAGI
- If you're worried about overspending
- What happens if you are declined?
- 3. Try a bump-up CD
- Verizon Visa® Card
- Shop around for lenders
- 1099-DIV
- 7. Stay for five, pay for four
- Find your niche
- JetBlue-Qatar Airways partnership
- Set cash aside
- 13. PR agency
- Step 6: Practice your elevator pitch
- Dividend per share (DPS)
- 3. Sell your castoffs
- New Hampshire
- Our pick for: The well-timed buy
- 3. Japan Airlines
- Strollers
- Discount points
- 12. Up to $100 in statement credits annually at Saks Fifth Avenue
- Step 10: Secure business funding
- Construction
- Stick to the basics
- Medical payments coverage
- 2. Make sure your bonus is actually taxable
- Hilton hotels
- Can a guest decline Turo’s protection plan coverage?
- You've got significant debt
- Health care stock ETFs
- Our pick for: Fixed monthly payments
- 15. Saver’s credit
- 2. Get direct deposit
- If you already have a ticket
- 6. Open a business checking account and get a business credit card
- Monitor your credit reports
- Have an estate plan in place
- 8. Emergency savings
- Close the deal
- Tactic 3: Use your military benefits
- What you can do: Invest the savings
- 12. Chicagoland Job Creators Quest Grant
- 3. Pick your index funds
- How to maximize your rewards
- How to have more taxes taken out of your paycheck
- Customer support
- Rebook if you find a cheaper price
- 5. Find your customers
- AndroMoney
- 3. Hold the shares inside an IRA, a 401(k) or other tax-advantaged account
- 12. Drugstore
- 2015 credit card bonus categories
- 6. Sell your wares on Etsy
- Pro tip: How to figure out the new ticket cost
- 3. Get approved
- Consider alternatives
- 18. Pinkberry
- Consider tools, education and features
- 10. Search for regular jobs for kids
- Automobile maintenance and repair
- 9. Pier South Resort, Autograph Collection, San Diego
- Amica vs. State Farm home insurance
- 15. Create custom clothing
- No-exam life insurance rates for nonsmokers
- Invest in your financial future
- Stocks
- 7. Criminal identity theft
- Expenses
- 4. The underwriter makes a decision based on your documentation
- Sharing is caring — and budget-friendly
- 6. Pod Hotels in New York City
- Vehicles
- Qantas Airways
- Airport lounge membership
- Kyte insurance
- CDFI loans
- How do I get a restricted driver’s license in California?
- Spa services
- Transfer partners
- How quickly could the IRS implement the child tax credit expansion?
- Pay with points and miles
- 9. Financial therapist
- SBA loans
- 11. Podcast host
- Access to other deals and promotions
- Describe your products and services clearly
- Our pick for: Cell phone and internet bill payments
- Saves you time
- IHG Rewards Club
- Example money market account APYs at select institutions
- Baggage and boarding
- Part-year resident status rules
- Dividend yield
- The Amplifier Grant
- Google Opinion Rewards
- Appendix: How the math works in our examples
- 6. High-yield savings accounts
- 8. What investment benchmarks do you use?
- Understand what your credit card insurance will (or won’t) cover
- Upgrading to Main Plus
- Credit unions
- United Kingdom
- 13. Walmart+ Monthly Membership Credit
- Geico vs. State Farm home insurance
- FHA appraisal
- Hosted online shopping carts
- Is there enough liability coverage?
- Our pick for: Flat-rate travel rewards
- 8. Grow your financial well-being
- Your strategy: Use leverage where you have it
- 3. Use tax deductions
- Redeem points for international flights
- 6. Respect other passengers' space
- New car replacement coverage
- 16. Health savings account contributions deduction
- Cost
- Private REITs
- 3. Stay on top of things
- No interline agreements
- Audience: Review your target audience
- America’s Seed Fund
- Home equity loan
- 1. The modern consumer is smarter than ever before, so be an expert in your field.
- Get prequalified
- 1099-G
- 6. OfferUp
- Best insurance company for accident forgiveness: Geico
- Part-year resident status rules
- 7. Citi ThankYou Points
- How should investors use the Buffett indicator?
- Community property states
- Consider using a retirement account
- 2014 credit card bonus categories
- 14. Professional organizing
- Business term loans
- Can you pay estimated taxes at any time?
- South Dakota
- How much is Peacock?
- Trust Wallet: 4.3 out of 5 stars
- 19. Pizza Hut
- Additional items
- 2. Count your coins and bills
- Escrow account funds
- No-exam life insurance rates for smokers
- Resident status rules
- 4. Determine the option time frame
- 7. Delta SkyMiles® Gold American Express Card
- Be passionate
- USAA vs. State Farm home insurance
- Popular cash advance apps
- You don't want to be tied down
- Singapore Airlines
- Prepared to put down roots?
- How do I get rid of an SR-22 in California?
- Wireless internet
- Manufactured home pros
- Examples of other Synchrony co-branded cards:
- Sample annual rates for a $500,000 policy: VGLI vs. whole
- Elite status
- How to maximize your rewards
- How to have less taxes taken out of your paycheck
- Offer great customer service
- Other airline partners
- User experience
- Travel packages aren’t flexible
- 5. Enter a debt management plan
- 4. Call in a pro
- 13. Antique or thrift store
- Benefits
- Step 7: Write client proposals
- 4. Earn badges through Live videos
- Build your credit score
- 4. Set a budget for your stock market investment
- 16. Sell vintage clothing online
- Step 11: Master your recipes
- M1
- Pros of a 203(k) loan
- The risks and rewards of each
- Book your flight
- Bonds
- How much can you borrow?
- 4. Contribute to a tax-advantaged account
- 9. Choose a real estate agent carefully
- 17. Self-employment expenses deduction
- Classes of service
- Content: Focus on quality
- Equity financing
- 4. Buy the property
- 4. Education accounts
- Hire a builder
- 1099-INT
- 12. Social media consultant
- 13. Beyond Open Small Business Grant Program
- Cheapest auto insurance for poor credit
- Privacy
- Be flexible with destination, airport and dates
- AM Best Financial Strength Rating: A (Excellent) for most
- Seat selection
- 1Money
- 15. Photography
- Tennessee
- 4. Prepare for your grand opening
- How much is Prime Video?
- 20. Red Robin
- FedEx Small Business Grant Contest
- Swagbucks
- 9. Shared home improvement equipment
- Best cities for first-time homebuyers
- Amica vs. Geico home insurance
- Licensed online shopping carts
- What are the deductibles?
- You might also like:
- When to choose a debt consolidation loan
- Manufacturing
- Learn more about SBA loans:
- 5. Sell with TikTok Shop
- 3. Which bonds are right for my portfolio?
- Virgin Atlantic Flying Club
- 4. One more thing to know about your tax refund
- What is the difference between SR-22 and SR-1P?
- Barclays Small Business Big Wins
- 5. Choose investments that match your tolerance for risk
- Spa
- 4. Decide where to buy your index funds
- Be reactive and flexible
- Reviews
- Vanguard 500 Index Fund (VFIAX)
- YOTEL
- 6. Get the logistics down
- 14. Fitness studio or gym
- Dollar-cost averaging
- Drawbacks
- Nonresident status rules
- 7. Self-publish an e-book
- What happens if I forget to pay my quarterly taxes?
- Tax credits for investing in retirement
- Take advantage of promotions
- 3. Find your vending machine
- 3. Prep for grocery shopping
- Past years' state tax rates
- Where is the best place to exchange currency?
- 10. Sheraton Princess Kaiulani, Honolulu
- 9. Who is your custodian?
- Corporate bonds
- Online lenders
- Flood determination and monitoring fees
- 14. Access to the American Express Global Lounge Collection at airports
- 17. Begin niche blogging
- Cons of a 203(k) loan
- Keep it succinct
- 9. Estate planning: Protect your financial well-being
- 5. Your loan is cleared to close
- Our pick for foodies
- 7. Have a backup plan ready
- Your mortgage payments would stretch your budget
- Use credit card deals
- 18. Home office deduction
- Medicare enrollment periods
- American Express Global Lounge Collection
- 7. Get any funding you need
- Tracking: Identify key metrics
- Allianz Global Assistance
- Home equity line of credit
- Manufactured home cons
- Get preapproved
- Term loans
- How to use a W-4 to owe nothing on a tax return
- Nonresident status rules
- 1. Live in the house for at least two years
- 8. Bank of America® rewards
- Organization
- Earning rates
- Step 8: Set your pricing
- Dividend payout ratio
- Texas
- MetaMask: 4.0 out of 5 stars
- Our pick for: Drugstores
- 21. Starbucks
- Tory Burch Foundation Fellows Program
- Refinancing
- SAVE benefits available by October 2023
- How much is auto insurance after an at-fault accident?
- 7. CDs
- Step 12: Get social
- When to choose a balance transfer credit card
- Mutual funds
- 10. Narrow down your ideal type of house and neighborhood
- Our pick for: An upgrade path
- Passenger amenities
- 4. Exchange-traded funds
- How do you get a perfect credit score?
- 1099-K
- 13. Dropshipper
- 14. Bizee Fresh Start Business Grant
- Mastercard vs. Visa vs. Oanda: Weekly results
- Vanguard Total Stock Market Index Fund (VTSAX)
- When to change your life insurance beneficiary
- 3. Precious metals
- 16. Event space
- How much is Sling TV?
- Learn more about SBA loan requirements:
- B2B administrative services
- How do I find a currency exchange near me?
- Government recording fees
- 15. Centurion Lounge Complimentary Guest Access
- Mortgage insurance
- Stash
- USAA vs. Allstate home insurance
- When do you have to pay it back?
- 5. Defer your bonus
- Get free airport food
- 19. Educator expenses deduction
- How's your job security?
- Bonzah
- 5. Secure a gas supplier contract
- AM Best Financial Strength Rating: A (Excellent)
- Design
- Quiet room
- Freshen up your merchandise
- 7. Poshmark
- 2. See whether you qualify for an exception
- Avis and Budget Rent-a-Car
- J.D. Power Ranking
- Upgradeability
- 15. Tutoring business
- How can I make paying quarterly taxes easier?
- 5. Build a community
- 22. Wingstop
- 4. United Airlines
- SAVE benefit starting in February 2024
- 11. Monetize your social media accounts
- 10. What tax hit do I face if I invest with you?
- 18. Become an e-book writer
- Save
- Part-year resident status rules
- Have structure
- 3. Compare quote options and determine what's best for your business
- AeroMexico
- Country Financial: Best for using an agent
- Wells Fargo's reputation
- Get final approval
- 15. Venmo Small Business Grant
- Wildfires
- How to maximize your rewards
- Vanguard Total Bond Market Index Fund (VBTLX)
- Economic events
- 17. Interior decorating
- Pros
- Washington
- 10. Vacation rentals
- Where can you exchange currency for free?
- Property-based passive income ideas
- Loan-origination charges
- An example of buying a call
- Your goals and time horizon
- Wholesale trade
- Exchange-traded funds
- 1. Freeze your credit
- 6. Monetize using the Series feature
- 20. Solar tax credit
- Is my home at risk of flooding?
- How to enroll in Medicare
- Kyte vs. Turo and Getaround
- 8. Hire any employees you need
- Rental Cover
- Schedule time for grant applications
- Cash-out refinance
- 5. ABLE Accounts
- 2. Are you seeking investment or looking for business financing?
- Short-term loans
- 14. Consultant
- 5. Buy index funds
- 3. Keep the receipts for your home improvements
- Is an import/export business profitable?
- 16. Ice cream shop
- 8. Get advertising revenue from your blog or YouTube channel
- Tax credits for education
- How much is Fubo TV?
- 23. Red Lobster
- 5. Focus on investing for the long-term
- SAVE benefits available by July 2024
- 12. Get paid to stream on Twitch
- Sales and marketing
- Flooding
- 16. Upgrade to Marriott Bonvoy Gold Elite status
- 8. The Platinum Card® from American Express
- More from NerdWallet
- Cathay Pacific
- J.D. Power Ranking
- Service
- Take clear photos
- 1099-LTC
- 16. U.S. Chamber of Commerce America's Top Small Business Awards
- Vanguard Balanced Index Fund (VBIAX)
- NCQA Score Range: 2.5 to 4.0 out of 5
- Earnings
- 18. Woodworking or furniture building
- Step 9: Stay organized and deliver results
- Cons
- Electrum: 2.5 out of 5 stars
- 4. Minimize restaurant spending
- Payday lenders
- Mortgage insurance or fees for government-backed loans
- 19. Start ghostwriting
- How much does it cost?
- Acorns
- Risk tolerance and diversification
- Our pick for: Customizable bonus categories
- Expand your coverage with endorsements
- 2. Safeguard your Social Security number
- USAA vs. Geico home insurance
- Selling a put example
- 21. Energy efficient home improvement tax credit
- Are you financially prepared?
- Stay true to your brand
- 3. Building a budget
- Sure
- 6. Obtain necessary permits and licenses
- Expand your search efforts
- 15. Event or wedding planner
- Best insurance company for having few customer complaints: American Family
- How do import/export companies make money?
- 17. Dry cleaner
- 4. Collectibles
- Compare car insurance rates for drivers with a DUI
- Wyoming
- Our pick for: Interest-free financing with cash back
- 11. Electronics repair
- More from NerdWallet
- 8. Buy a rental property
- 17. Upgrade to Hilton Honors Gold status
- Invest
- Nonresident status rules
- An example of buying a put
- Write it later
- Complete financial plan and investment advice
- Are the proceeds taxable?
- Hyatt hotels
- Gifting large sums of money to family
- NCQA Score Range: 2.5 to 3.5 out of 5
- 1099-MISC
- Hurricanes
- 17. EBay Up & Running Grants
- Earthquakes
- Vanguard Growth Index Fund (VIGAX)
- 5. Optimize your stock portfolio
- 4. Explore your financing options
- Be careful when booking Hyatt free nights
- 20. Become a resume writer
- 3. Be alert to phishing and spoofing
- 11. Stick to your budget
- Our pick for: No security deposit, low annual fee
- 22. Electric vehicle tax credit
- Choice Hotels
- Keep it relevant, useful and authentic
- Personal loan
- Write an honest description
- 6. Keep an eye on your index funds
- How to maximize your rewards
- What is an export license?
- 18. Bookstore
- California earned income tax credit (CalEITC)
- 19. Graphic design
- 24. American Eagle
- Technology maintenance and repair services
- High-interest installment lenders
- Pest inspection
- 18. Money-saving perks for stays booked through The Hotel Collection
- How will you take payments?
- Retail trade
- Is the interest paid tax-deductible?
- 7. Collect tips from viewers
- Loyalty program earnings
- 7. Get business insurance
- Weigh grant application fees
- Amenities
- 3. What's your point of difference in the market?
- EB-1 entrepreneur visa
- 16. Ecommerce reseller
- 18. Grants.gov
- Flooding
- California earned income tax credit (CalEITC)
- Cheapest car insurance for young drivers
- Vanguard Small Cap Index Fund (VSMAX)
- Conventional loans
- 6. Manage your stock portfolio
- 5. Get discounts on entertainment
- 9. Rent out your own house
- Winter storms and nor’easters
- 21. Open a coworking space
- Home purchase: Basic Home Mortgage 203(b)
- Albert
- Get a test reader
- Specialized guidance and/or want to meet with an advisor face-to-face
- 4. Use strong passwords and add an authentication step
- Hawaiian Airlines Hawaiian Miles
- Paying for vacations, cars or other stuff
- Customize your content for each channel
- 1099-NEC
- Our pick for: Maximized value
- How to compare life insurance quotes
- What documents do I need to import goods?
- 19. Bed and breakfast
- 6. Know when to sell stocks — and when not to
- 5. Commodities
- California young child tax credit (YCTC)
- 20. Clothing boutique
- 9. Become an Instagram influencer
- 25. Anthropologie
- Prepaid expenses
- 19. Complimentary benefits through Fine Hotels & Resorts
- Is it as customizable as you need?
- Pay off debt
- 9. Capital One Venture Rewards Credit Card
- 8. Market yourself
- Keep alternative funding in mind
- Price clothes to sell
- 1. Has the W-4 form changed?
- California young child tax credit (YCTC)
- ETFs vs. mutual funds
- Vanguard Total International Stock Index Fund (VTIAX)
- Accounting
- Our pick for: Walgreens
- Average car insurance costs after a speeding ticket
- Coastal storms and hurricanes
- FHA refinance loans
- Proofread
- 5. Use alerts
- Our pick for travel
- Won’t the government help?
- Giving a laid-back loan
- Fully utilize content
- 4. Saving money
- 17. Gig worker
- 19. GrantWatch
- Life insurance quotes vs. rates
- 20. Floral shop
- California child and dependent care tax credit
- 21. Bed and breakfast
- Tax credits for green purchases
- 26. Banana Republic
- FHA loans
- 12. Academics courses
- B2B legal services
- 6. Map out major purchases
- 10. Get a roommate
- 22. Become an online coach
- Portfolio management only
- 12. Make the most of walk-throughs and open houses
- Hilton Honors
- What makes it different?
- 1099-OID
- Hail
- California child and dependent care tax credit
- 6. Real estate
- Branding
- PJ’s Coffee
- Tax monitoring and research fees
- Transportation and warehousing
- 6. Watch your mailbox
- Setting up joint bank accounts
- 2. What does it mean to be exempt from taxes?
- 21. Gardening and landscaping
- California adoption cost tax credit
- 22. Food truck
- 27. DSW
- Alternative investment passive income ideas
- 20. Free shipping with ShopRunner
- 23. Flip failing websites
- Monzo
- Repeat
- Find your niche
- How much are car insurance quotes?
- Our pick for: No security deposit, low annual fee, potentially high credit limit
- 4. Purchase your policies and keep them up to date
- NJM: Best small regional insurer
- 1099-PATR
- 18. Life coach
- California adoption cost tax credit
- ETFs vs. stocks
- Web design
- 10. Monetize your Twitch channel
- Ledger: 5.0 out of 5 stars
- Title-related costs
- FHA renovation loans
- Our pick for: Bank of America® customers
- 7. Shred, shred, shred
- JetBlue TrueBlue
- Best insurance company for financial strength: Auto-Owners
- Cheapest auto insurance for senior drivers
- California nonrefundable renters tax credit
- Scooter’s Coffee
- 28. J. Crew Factory
- 13. Language courses
- 7. Restrict online shopping
- 21. Concierge service
- 24. Become a web developer
- NYC tax rate schedule
- 10. Hilton Honors American Express Aspire Card
- Above-the-line deductions
- Cost
- 1099-Q
- Tornadoes
- E-2 treaty investor visa
- California nonrefundable renters tax credit
- 22. Nail salon and spa
- 23. Restaurant or cafe
- Human resources
- Average car insurance costs after a DUI
- 11. Peer-to-peer lending
- Other specialty FHA loans
- 8. Use a digital wallet
- 13. Don’t skip the home inspections
- Marriott Bonvoy
- 19. Virtual assistant
- 29. Journeys
- Our pick for: Online Shopping
- 5. Stock your vending machine with inventory
- Pros
- 22. Low fares through the International Airline Program
- 25. Start a podcast
- Information
- 1099-R
- Veteran Business Outreach Centers
- 3. When should I review my W-4?
- 23. Photography
- 24. Craft brewery
- Green living
- The Coffee Bean and Tea Leaf
- Trezor: 4 out of 5 stars
- Greenlight
- 9. Protect your mobile devices
- Below-the-line deductions
- Wildfires
- 30. Madewell
- 8. Delay purchases with the 30-day rule
- 23. Savings with the Cruise Privileges Program
- 26. Be a social media influencer
- Dividends and preferred stock
- Be authentic
- Which factors determine car insurance quotes?
- 1099-S
- 20. Pet sitter and dog walker
- Pros
- 24. Clothing boutique
- Organization
- 11. Sell your photography
- Compare auto insurance rates for drivers with poor credit
- 14. Business or marketing courses
- 12. Private equity
- 10. Check your credit reports regularly
- 14. Negotiate with the seller
- Our pick for: Average credit and rewards
- 4. Can I adjust my W-4 multiple times throughout the year?
- 25. Ice cream shop
- 31. Old Navy
- Cons
- Real estate agent commissions
- 24. Car Rental Privileges
- 6. Evaluate the price of the business with the earnings, assets or market approach
- E-1 treaty trader visa
- Service-Disabled Veteran-Owned Small Business Program
- 25. Daycare
- SafePal: 3.8 out of 5 stars
- 6. Make the right investments
- 9. Get creative with gifts
- 27. Create online courses
- Finance and insurance
- Selling bonds
- 11. Monitor financial and medical statements
- Our pick for luxury perks
- 1099-SA
- 21. Remote travel agent
- Our pick for: Prime gaming
- 7. Private equity
- 26. Personal chef
- 32. Target Circle
- Property and transfer taxes
- 25. Deals through the Amex Auto Purchasing Program
- Step
- Our pick for: Paying rent
- Serve your audience and set small goals
- USAA: Best for military and veterans
- 9. Familiarize yourself with your day-to-day responsibilities
- Cons
- 26. Brewery or winery
- 15. Personal wellness
- 28. Become a marketing consultant
- Most popular: HO-3 insurance
- 15. Buy adequate home insurance
- What should you do if you’re invested in these REITs?
- Boots to Business
- Best insurance company for discounts: Amica
- 27. Landscape services
- 1. What is a service business?
- 13. Crypto staking
- Title insurance
- 26. An extra point when booking Platinum Destinations Vacations
- 22. Tour guide
- 27. Hardware store
- Alternative investment pros
- Methodology
- 10. Lower your car costs
- Use multiple strategies
- Apple Cash: digital card
- 28. Pet grooming
- 33. Aveda
- 2. How do you start a service business?
- 27. Additional value through the InCircle rewards program
- 29. Develop an app
- Real estate, rental and leasing
- Our pick for: Average credit and no annual fee
- Winner for lowest fees: Spirit
- 23. Bookkeeper
- Institute for Veterans and Military Families
- 28. Catering company
- 12. Become a dog walker with Rover or Wag
- Look up the insurer’s financial strength
- Majority
- Your house
- Broadest coverage: HO-5 insurance
- 5. Maximizing your credit cards
- 29. Florist
- 34. BareMinerals
- 16. Courses in hobbies or interests
- 3. How do you calculate the break-even point for service businesses?
- 11. Reduce your gas usage
- 28. AmEx Carbon Emissions Tracker
- 1. Lost wallet
- 24. Personal trainer
- 1. Open a brokerage account
- 29. Real estate agency
- Our pick for: Financing a large purchase
- Average annual car insurance costs for drivers with good vs. poor credit
- 30. Make a smart appliance
- Benefits of FHA loans
- Your location
- If you’d rather be a free agent
- Veteran Women Igniting the Spirit of Entrepreneurship
- Cash App debit card
- Alternative investment cons
- 35. Clinique
- 4. Do service businesses charge sales tax?
- Product creation passive income ideas
- 30. Event venue and planner
- 30. Massage therapist
- Research the insurer’s reputation for customer service
- 31. Tap into virtual reality experiences
- Disadvantages of FHA loans
- Comun
- You and your stuff
- Professional, scientific and technical services
- Limited coverage: HO-1 and HO-2 insurance
- 2. Mailbox theft
- 13. Sell unused gift cards
- 36. CVS
- 17. Bookkeeping and accounting
- 12. Bundle cable and internet
- 29. The Global Dining Access by Resy
- 25. Baker
- Veteran Institute for Procurement
- 2. Find the ETFs you want to invest in
- 31. Tattoo and piercing shop
- 14. Write content
- Individual stocks
- 32. Make a niche dating site
- Our pick for: Limited credit
- 37. e.l.f. Cosmetics
- 30. Exclusive events
- 3. Using public Wi-Fi
- Erie: Most generous coverage
- 32. Veterinary office
- 31. Nutritionist
- 13. Switch your cell phone plan
- 33. Develop a chatbot
- Office of Small & Disadvantaged Business Utilization
- Best insurance company for customer satisfaction: State Farm
- Our pick for: Target gaming purchases
- 3. Buy the ETF
- 38. Lancome
- 18. Consulting
- Pros
- 31. An open invitation to events with Membership Experiences
- Bunq
- Management of companies and enterprises
- 7. Secure capital to make the purchase
- 6. Borrowing money
- 33. Food truck
- 32. Personal trainer or fitness instructor
- 14. List your spare bedroom on Airbnb
- Compare insurance rates for drivers with an accident
- 34. Offer matchmaking skills
- 4. Data breaches
- 4. Hold onto the ETF
- 39. Sephora
- Cons
- Dividend stocks
- 32. A better view with American Express Preferred Access
- Replacement cost vs. actual cash value
- State and local governments
- 34. Health clinic
- 14. Reduce your electric bill
- 35. Be a virtual assistant
- 33. Beauty services
- 40. SmashBox
- How much is auto insurance for young drivers?
- 15. Publish a digital course
- Totem
- 5. SIM card swap
- Our pick for: Good credit
- 35. Bakery
- Administrative and waste services
- 34. Life coach
- 41. The Body Shop
- 19. IT support
- 15. Lower your student loan payments
- 36. Reinvent exercising
- Car-related passive income ideas
- 33. No foreign transaction fees
- 6. Phishing or spoofing
- 42. Ulta
- 37. Create eco-friendly, health-friendly makeup and beauty products
- Nationwide: Best online experience
- Best insurance company for military members: USAA
- 15. Sell your gently used clothes
- 16. Cancel unnecessary subscriptions
- 34. Upgrade with points
- What is a prepaid debit card?
- Meet a local demand
- 35. Tutor
- 20. Graphic design
- 16. Wrap your car with ads
- 38. Open a food truck or restaurant pop-up
- Educational services
- 7. Skimming
- 35. No preset spending limit
- Homeowners insurance deductibles
- Our pick for: Travel
- 36. Daycare provider
- 43. AMC Theatres
- 17. Refinance your mortgage
- 39. Start an organization business
- What is a prepaid credit card?
- Average annual car insurance costs for young drivers by company
- 17. Rent out a parking space
- 36. A lower annual fee on additional cards
- Standard (nonbank) neobanks
- 8. Phone scams
- Our pick for: Walmart gaming purchases
- Scout locations
- 44. Barnes & Noble
- 40. Do interior design for young professionals
- Where can you get a prepaid card?
- 37. Senior care provider
- 16. Trade in old phones, electronics for cash
- 21. Social media management
- 18. Set savings goals
- 37. CreditSecure
- Health care and social assistance
- 45. Redbox
- 9. Looking over your shoulder
- How do you add money to a prepaid card?
- Calculate the costs of starting a business
- 38. Interpreter or translator
- Neobanks that are online banks
- Openly: Fewest consumer complaints
- Our pick for: Instant gratification
- Which prepaid card is best?
- 39. Housecleaning
- 10. Malware
- 17. Get a babysitting gig
- 22. Marketing copywriter
- 19. Track spending
- 38. Cell phone protection
- Arts, entertainment and recreation
- Digital wallets with banking services
- 40. Automotive repair
- 39. Purchase protection
- 7. Your credit score
- 1. Gather your information
- 23. Virtual assistant services
- 20. Pay off high-interest debt
- 41. Handyman services
- 40. Return protection
- Our pick for: PlayStation purchases
- 18. Rent out your car
- Fintech firms with cash management accounts
- Accommodation and food services
- 21. Keep savings in a high-yield savings account
- 41. Extended warranty
- Our pick for: Personalized rewards
- 42. Dry cleaners
- If you want both brand-specific perks and flexible points
- 8. Close the deal with the appropriate documents
- 42. Baggage insurance plan
- State Farm: Best perks
- 43. Hardware store
- 2. Choose the right liability car insurance coverage levels
- 22. Create a 50/30/20 budget
- 1. Do your research
- 43. Car rental loss and damage insurance
- Other services (except public administration)
- 44. Self-storage business
- 19. Sign up for TaskRabbit
- 2. Get organized and make it official
- 44. Premium Car Rental Protection
- 45. Freelance copywriting and content creation
- 23. Shop consignment and thrift stores
- 45. Trip delay insurance
- 46. Rideshare driver
- 20. Become a private tutor
- 3. Find the right financing
- 46. Trip cancellation and interruption insurance
- 47. Website development and design
- 48. Sell clothes online
- 47. Premium Global Assist Hotline
- 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
- 49. SEO consultant
- 21. Drive for Uber, Lyft
- 8. Taxes
- 50. App development
- Trip cancellation
- Airport lounge access
- 25. Use car sharing services
- You live in a high-risk area
- Cell phone protection
- Trip interruption
- 22. Make deliveries for Amazon, Uber Eats
- Purchase protection
- 26. Stock up on household supplies when they’re cheap
- Trip delay
- 9. Paying off debt
- You have a dog
- 4. Collect and compare car insurance quotes
- Return protection
- In-flight extras and checked bags
- 23. Find work as a housesitter
- Extended warranty
- Cancel For Any Reason
- 27. Enjoy community events
- You own valuable items
- Baggage insurance plan
- Our pick for: Digital Microsoft Store purchases
- Baggage delay
- Pros of buying a business
- Car rental loss and damage insurance
- Global Entry and TSA PreCheck
- 24. Sign up to be a mystery shopper
- 28. Cash in on your birthday
- You own an older home
- Trip delay insurance
- Lost baggage
- Bonus points on spending
- Trip cancellation and interruption insurance
- Travel medical insurance
- 25. Put your drone to work
- Compare car insurance companies
- Trip insurance benefits
- Conditions common to your dog’s breed
- Cons of buying a business
- 10. Insurance
- Your dog’s energy and activities
- Car rental coverage
- Wellness expenses
- Decide whether your cat needs insurance
- Wellness expenses
- 11. Investing
- 1. Check whether your pet is eligible
- 2. Research what’s covered
- 3. Decide how much coverage you want
- 4. Understand reimbursements and deductibles
- 5. Check waiting periods
- 12. Starting or running a business
- 6. Examine extra costs
- 7. Compare quotes
- 13. Travel
- The NerdWallet Smart Money podcast
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