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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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- Avoid strapless tops or tank tops
- Pass-through allowance
- An account in collections
- Eligibility
- Municipal and Treasury bonds
- 5. Reddit
- 5. Bring a friend — or three
- Transfer points to partner airlines
- How to file an 83(b) election form
- Can you save too much?
- 2. Dependents
- 3. Choose a business entity structure
- How age can influence scores
- Step 4: Refine your withholdings
- 4. Consider your spouse
- 4. Fund your account and get started
- 5. Change your ID cards
- BNB use cases
- Trip 2: $3,000, one-week trip to Mexico by a 60-year-old from Nebraska
- Economic Development Administration
- 3. Evaluate other factors
- 2. Choose an investment account
- 4. There are many ways to accumulate points
- 3. Child care
- 1. Multiply your income by 10
- Chase Sapphire Reserve®
- Payment plans through your card issuer
- Decide how you'll finance your second home
- Conventional mortgages: As low as 3% down payment
- 5. Peer-to-peer money transfer apps
- Hold a co-branded credit card — or two
- How much does an abortion pill cost?
- Mortgage contingency
- The cons
- SBA loans
- Joint venture agreement
- $27.5 billion in SBA 7(a) loans were provided to small businesses
- Our picks for employee card spending limits
- Negative changes
- 3. Set up balance alerts to stay on top of spending
- Ask why your car was repossessed
- Managing debt
- Your dollars could become more valuable
- Payment history
- Fly on the holidays (or as far from it as possible)
- 4. Cash out your 401(k)
- Travel
- 7. Curate subscription boxes
- Make a withdrawal
- Less than a year
- Can earn the welcome offer
- 4. See if you qualify without impacting your credit
- You can score Delta SkyMiles Deals
- State Farm® Good Neighbor Visa® Card
- 3. Decide where to buy mutual funds
- Get quotes from dealers
- If you're 59½ or older and the account is at least 5 years old
- 3. Decide how many shares to buy
- Decentralized exchanges
- Videos
- Location of your home
- Buy what you can upon arrival (or have it shipped)
- Cost of paint and materials
- Value-Added Producer Grant
- Installment credit
- 3. Claiming too many charitable donations
- 3. Take notes and pictures
- 4. Be open to last-minute appointments
- Earning rates
- 3. Resort fees aren’t included in “free” hotel nights
- PenFed: Best for a seamless application process
- 1. Credit identity theft
- 5. A $50 hotel credit
- 2. Take a cut with affiliate marketing
- 25% savings on in-flight food and beverage purchases
- Qualifying for a traditional IRA when you have a 401(k) or other employer plan
- 3. Learn to use AI tools
- Mortgage insurance
- Best insurance company overall: Travelers
- The Business Platinum Card® from American Express
- 5. Your purchase plans
- Our pick for: Intro APR + high rewards on everyday spending
- 3. Flights to Hawaii from 26,000 points round-trip
- 4. Be smart about how you ask
- A bonus isn't a sure thing
- Parents will fill out the FAFSA separately from students
- 2. Create your envelope categories
- Craigslist, Facebook Marketplace, Nextdoor, OfferUp
- Imposter scams
- 3. Index funds and ETFs
- Fast Break for Small Business
- Cities with the top five annual rent price declines or smallest increases:
- 1. Make sure you’re eligible to get an EIN online
- Our pick for: Gas station spending
- 1. States with no income tax
- If your employer offers a 401(k) match
- Vio Bank: Best money market account
- Step 2: Choose your market
- Checkout 51
- Services that charge renters
- Travel bonus reward rates
- Pros
- 2. Points are easy to earn
- Bitcoin pros
- Bring a bigger down payment to the table
- Ask for early check-in or late checkout
- 6. Video production
- Establishing domicile
- Cons of tech stocks
- 3. Trim the guest list
- 3. Physical/occupational therapy center
- Is it worth claiming medical expenses on taxes? Consider your filing status
- Personal loans
- Safety concerns, removal and return of Sam Altman
- Managing multiple billing cycles
- The percentage method
- Resident status rules
- 1. Start small
- AAA non-member rates
- 3. Budget for emergencies
- If you’re going to need financial aid
- Regions Business CD
- Part-year resident status rules
- Compare referral sign-up bonuses
- 2. Verify their credentials
- Decentralized exchanges: Competitive prices, but more complex
- CD penalty
- Long-term investors more than five years away from their goal:
- How to dispute a medical bill on your reports
- Partner awards from other airlines
- Is rental car coverage primary or secondary?
- How to dispute errors on your credit report
- Step 3: Ride the organic marketing train
- Whole Foods deals
- Opt for modest jewelry
- 2. You must have owned the home for at least two years
- Smaller annual fee
- Use your employer benefits
- Proof of age
- 2. Pay in local currency
- 5. Connect to members of your community, old and new
- 3. Swagbucks
- USDA guarantee fee
- Zengo Wallet: 4.8 out of 5 stars
- Renegotiate with the seller
- Do tipped workers earn the minimum wage?
- The policy involves three different people
- 3. Pentagon Federal Credit Union (PenFed) Rewards
- Allow up to 50% of your income for needs
- Experian
- Estate tax exemptions by state
- Other fuel cards to consider
- How to unfreeze credit with TransUnion
- 3. Don’t use the money
- Choosing corporate tax status for your LLC
- Step 5: Sign and date your W-4
- LifeLock pros
- 5. $300 a year in travel credit
- 6. Let your leasing company or lender know about your switch
- EITC 2024
- Personal property coverage
- 3. Banking on cryptocurrency
- If you are converting your 401(k) to an IRA
- Wants
- Reasons for unfreezing your credit
- 4. Pet sitting or dog walker
- Pros and cons of secured and unsecured RV loans
- Points are worth more when you book travel through Chase
- 4. Personal trainers
- FHA loans: As low as 3.5% down payment
- How this calculator works
- 6. Wallet software
- Pros
- Hotels in Hawaii
- Appraisal contingency
- Learn more about Zelle
- Cincinnati Insurance
- 5. Rent out your home on Airbnb.
- 50% of SBA microloans went to Black- and Latino-owned businesses
- Building your credit score
- Avoiding fuel surcharges
- 5. Verify the credentials of the person you speak to
- You're competing against other buyers
- 1. All Nippon Airways
- Owing a prepayment penalty
- 1. Making money
- Demolition
- Step 3: Buy the gold ETF
- 2. More time means more growth
- 6. Foot the bill
- International travel with an adult
- How long will it take to pre-qualify?
- 4. Personal business loans
- 2. Verify its condition
- Slightly richer rewards structure
- 3. Decide how to pay for XRP
- Other investments
- Service credit
- Bonus categories
- Cell phone protection plans by carrier
- 4. Place your order
- Gold streaming companies
- 6. Combine points from multiple cards
- Obtain proper licenses and permits
- Example interest checking APYs at select institutions
- 4. Silver futures
- Pros
- Plan G
- Double-entry accounting example
- 4. Select a provider to open your Roth IRA
- Baggage allowance
- The cons of Roth IRAs
- You may have to pay taxes
- 2. Calculate the car loan amount you can afford
- Grant databases
- Stock mutual funds = higher potential returns (or losses)
- Upsides
- 2. Buy 10 times your income, plus $100,000 per child for college expenses
- Why it’s the best
- Prepare for a future tax bomb
- 4. Dollar-cost averaging
- The federal student loan servicers
- Step 3: Weigh the pros and cons of paying to upgrade your seat
- LendingTree Spring
- Where to get auto insurance quotes
- Cons:
- 1. Do I need more distance from some savings?
- Bring documents showing financial stability
- 3. Consider buying the dip
- 7. Podcasting
- Find out if you can get your repossessed car back
- You don’t have enough points to cover the entire cost
- 4. Seek an off-peak season
- 4. Develop a health care app
- Make lump sum payments
- 3. Find the right location
- Borrow from the policy
- Timing credit applications with big future purchases
- More than a year
- Part-year resident status rules
- 2. eBay's free — up to a point
- AAA member rates
- Personal loan calculator
- Michael Novogratz
- The penalty is steep if you don’t pay off the balance quickly enough
- 6. Michigan Veteran Entrepreneur-Lab
- CDs at a bank vs. credit union
- Don’t draw on your eyebrows
- Staking
- Benefits at Six Senses
- 2. Explain what your company does
- Returning the car
- Short-term investors nearing their money goal:
- Step 2: Input what type of credit cards you have
- Arrive early to enjoy the lounge
- Level of luxury
- How do I make sure coverage applies to my rental?
- Have the right suitcase or backpack
- Avoid optional big expenses
- Free games
- 3. You must have lived in the house for at least two years in the five-year period before you sold it
- Size of the AC system
- Partnership agreements
- Contribution limits
- International travel
- 5. Attend an enrollment event
- 3. Reduce ATM usage
- Upgradeability
- 6. If you're taking Acela, book early
- Earn points by purchasing from Marriott partners
- Valuation metrics
- Euphoria and despair
- Economic data
- Should you buy or sell based on these signals?
- Cheap car insurance after a speeding ticket
- Cheapest minimum coverage car insurance in Florida for 20-year-olds
- Other ways to overcome an appraisal gap
- 2. Child identity theft
- 1. Cash dividends
- Traditional IRA limits in2024
- 6. TSA PreCheck/Global Entry/NEXUS credit
- Submit PSLF employment certification forms
- 3. Move the money
- How to visit Bogus Basin with points and miles
- Price
- 5. You may be able to switch airlines
- It's easier for your kid to get free money
- 3. Limit spending to the envelopes
- 5. Lawn care business
- 2023 credit card bonus categories
- Personal loans
- Mobile payment scams
- Jumbo loans: As low as 5%-10% down payment (varies)
- Cons
- What are maintenance requirements and margin calls?
- Overall economy
- Benefits during MGM stays, by status tier
- 3. Bonds and bond index funds
- Farmers
- Bitcoin cons
- Tickets changed, delayed or canceled by the airline
- 4. Pay your bill before your issuer reports to the credit bureaus
- The pros
- Working toward financial goals
- Pay with points and cash
- 4. Narrow in on a business that aligns with your budget, goals and resources
- The benefits of compound interest
- Grants.gov
- Credit score for FHA loans
- Common size income statement example
- Preventing better use of your money
- 8. Create an airport-centric app
- Step 4: Register your business
- FICO score ranges
- Southwest says changes already working
- Exodus
- 5. Use your card instantly
- Brokerage fee
- Wells Fargo Special Fixed Rate Business CD
- London-Stansted
- 5. Friends and family
- Choose an offer
- Pay with a credit card that doesn’t charge foreign transaction fees
- It’s never too early to plan
- Alaska Mileage Plan
- Apply natural makeup
- How to contact AARP
- Tactic 2: Use points or miles
- 4. Reporting too many losses on a Schedule C
- 4. Contact your car rental company
- 6. Stripe
- Can you negotiate with Peddle?
- 4. Marriott points transfer to 40 airline loyalty programs
- Navy Federal: Best for military members
- Our pick for: Online purchases
- 1. ESG funds
- 1. Find a dividend-paying stock
- Phoenix Marriott hotels
- Reach elite status faster with 1 Loyalty Point per 1 mile earned
- 3. Income
- 4. Get your business licensed and permitted
- 6. Your award redemption plan
- Cons
- Eat cheaper
- 5. Investigate divorced spouse benefits
- 4. Fly business class to Europe for just 34,000 points one-way
- Subscriptions
- Why it’s the best
- Equity REITs
- 5. You'll get immediate benefits just for signing up
- Tips for unfreezing your credit
- 3. Use the DIME formula
- Bridge loan pros and cons
- Where can I get an RV loan?
- $300 annual travel credit
- IFundWomen Universal Grant Application Database
- 2. Gather the necessary information
- 2. States with flat income tax rates
- Other student loan calculators
- Home sale contingency
- Earning points
- The pros
- 3. Pick an investment account
- 4. Are you comfortable submitting information online?
- Business credit cards
- 2. Do I have savings earmarked for a big purchase?
- 10.5 million-plus PPP loan recipients submitted forgiveness applications
- Consider bringing your own financing
- Car insurance from a captive agent
- Use storage facilities at an airport or a train station
- Cost (and quality) of living
- 5. Move the special day
- 5. Diabetic care center
- Merchant cash advances
- Dun & Bradstreet business credit scores
- Keep good records
- Pay on time
- 1. Fill out a mortgage application
- Cover your premium
- Nonresident status rules
- 4. Tackle high-interest debt
- If you’re above the Roth IRA limits
- The lottery annuity option
- Magic Kingdom
- 3. Investing can trump saving over the long term
- 7. Buy gift cards, with caution
- Universal Studios Hollywood
- Redemption values are unpredictable
- Choosing a card
- 3. Don’t miss out on tax deductions for volunteering
- What do I do if I lose my IP PIN?
- Types of CDs
- Budget hotel options
- Infographics and other types of written content
- 3. Make the purchase
- What coverage is included?
- How to report fraud or identity theft
- Installation and labor: $75 to $250 per hour
- 3. Expedia
- VA funding fee
- 7. Transfer points to airline and hotel partners
- 2. Stock dividends
- Register your LLC
- Plan N
- What does Medigap not cover?
- LifeLock cons
- 7. Extra points on Lyft rides
- British Airways Avios
- 3. Relax in a lounge
- Seats
- 4. Not reporting income from an all-cash business or illegal activities
- Small-cap stocks and value stocks may outperform
- Outsized rewards through transfer partners
- Savings and debt repayment
- Downsides
- 2022 credit card bonus categories
- Qualify for a second-home mortgage
- 4. Help from robo-advisors
- Erie: Best in the Mid-Atlantic and Midwest
- 5. Index investing
- Inflation
- Step 3: Find a specialty — and stick to it
- Nationwide
- 3. Points are easy to use
- Alumni or membership discounts
- 8. IT consulting
- Saving for and buying a home
- You don’t want to hoard points
- America’s Seed Fund
- Income-driven repayment plans can shrink payments
- 4. Consider flipping investment properties
- 9. Become a destination wedding planner
- Get money back in the form of future flight credits
- Research organizations in your area that offer financial assistance
- Balance transfers often come with a fee
- 1. Find a dividend-paying stock
- Nonresident status rules
- 7. National Association for Self-Employed (NASE) Growth Grants
- Higher-end vehicles typically work out to be better long-term
- Costs and fees to keep in mind
- 6. Self-funding
- Roll the dice with an upgrade hack
- 4. Buy stocks using the right order type for you
- Don’t apply fake lashes
- 3. Describe your ideal customer
- 3. "Currently-not-collectible" status
- Consider 'fifth freedom' routes
- Prepare and complete
- Prime Day and Prime Early Access
- Choose a simple hairstyle
- 4. You cannot have claimed the home sale capital gains exclusion recently
- 1. Do all or some of the work yourself
- Superior rewards-earnings
- State Departments of Agriculture
- A lawsuit
- Distributions
- Nursing mothers
- 6. Consider a third-party service
- Will Peddle buy my car if I owe on it?
- 6. Plan a safe travel route
- Also consider:
- 3. Tap your home equity for a loan or line of credit
- 3. Synthetic identity theft
- Leave 30% of your income for wants
- FICO score ranges
- Friend and family loans
- Virtual cheers
- Regulatory concerns with Binance
- Worldwide Trip Protector Lite benefits
- Mortgage REITs
- How long does it take for the flight credit to post to your account?
- Find preapproved auto loans
- Fly bags for free with elite status
- 4. Consider extra coverage
- How do I access a HELOC?
- 6. Housecleaning
- How long are RV loans?
- Chase Sapphire Preferred® Card
- Poshmark
- Job scams
- 5. Newborn and post-pregnancy services
- Understanding your results
- 3. States with progressive tax structures
- Expensify
- Hotels in the Bahamas
- Google Maps
- Restaurant rewards
- Redeeming points
- 3. Do I want to protect some wealth outside of investments?
- 6. Become a dog walker.
- 6. Conventional renovation loans
- Should you invest in retail stocks in 2023?
- 6. Home health care service
- Use credit lightly
- You don't want to be at the mercy of an appraisal
- The aggregate method
- VantageScore ranges
- If you want to stash a lot of money away every year
- Epcot
- You can't really optimize redemptions for value
- State Farm® Business Cash Rewards Visa Signature® Card
- How it works
- White papers, e-books and presentations
- What isn't covered?
- Other ways to book cheap award flights to South Africa
- Step 4: Invest in the tools of the trade
- Just pack lighter
- Duplicate benefits for Premier status flyers
- Basis
- Come up with an investing strategy
- Managing capital gains
- If you don’t have credit but are looking to build it
- 5. Deducting too many business expenses
- GET MORE MILES, MORE BENEFITS WITH A DELTA CARD
- 4. Fiverr
- 3. Dividend reinvestment programs (DRIPs)
- 3. Land a brand deal and make sponsored content
- Equifax
- Revocable life insurance trusts
- Credit cards that earn IHG points
- Andover Companies: Best coverage
- 8. DoorDash discounts
- Switch to an income-driven repayment plan
- Walmart Foundation
- Bond mutual funds = lower returns (but lower risk)
- 2021 credit card bonus categories
- Net worth of U.S. families by income
- Amber Grant for Women
- Hot wallet
- Is it better to get a second mortgage or refinance?
- Other contingencies
- State Farm
- $7.3 billion in bonded contracts were awarded to small businesses
- Military and federal employees discount
- 9. Catering
- The cons
- Transferring Avios
- WomensNet Grants
- How to use American Airlines AAdvantage miles
- 4. Get the appropriate licenses and permits
- 10. Make local guides
- Your credit utilization
- Step 5: Get licenses, permits, and insurance
- 1. Identify your limiting beliefs and emotions
- 3. It helps to have a niche
- 3. Hotel military travel discounts
- 4. The tax advantages are prime for kids
- 8. Ditch the company card
- Reach out to a nonprofit credit counseling agency
- 6. No annual, late, or foreign transaction fees
- Transferring a large balance can lower your credit score
- Rideshare insurance costs by company
- If you want to quit
- International travel as an unaccompanied minor
- 8. Small Business Innovation Research and Small Business Technology Transfer programs
- 3. Make sure they’re a good fit
- 4. Keep the deadline in mind
- 7. Venture capital
- Can I file my taxes without an IP PIN?
- More flexibility
- IHG Ambassador benefits at all the other IHG brands
- Step 3: Include your airline, hotel and car rental loyalty programs
- Splurge for a suite
- 5. You cannot have bought the house through a like-kind exchange
- 2. Consider premium paints
- 4. Choose a bank that doesn’t charge foreign ATM fees
- Does Peddle buy leased vehicles?
- How to maximize your rewards
- Cheapest auto insurance in Florida for 20-year-olds with poor credit
- 5. Consider a fund over an individual stock
- Pros of gold stocks
- 5. You can have more than one Marriott credit card
- Guarda: 4.6 out of 5 stars
- How to get (and pay for) Clear
- 8. Worldwide acceptance
- 4. Barclays rewards
- 2. Evaluate the stock
- 4. Take surveys for money
- Mortgage rates
- 4. Alert authorities to fraud
- 7. What perks come with the card
- Cons
- VantageScore ranges
- Discounts
- Conventional loans
- 6. Add your minor child
- What else should I know about Roth 401(k) taxes?
- Aer Lingus
- Food and onboard service
- Loss of use coverage
- Hedging against future downturns
- How much does a HELOC cost?
- 7. Housesitting
- 4. Replace your income, plus add a cushion
- How do I apply for an RV loan?
- Lounge access and other top-tier benefits
- Ruby Lane
- 3. Submit your application and wait
- 1099-A
- Job growth
- Step 4: Plan the business budget
- 4. Real estate investment trusts (REITs)
- 5. How do you want to manage the loan during repayment?
- 4. You can exchange points for airline miles
- Look for other storage solutions near you
- 5. Monitor your total credit utilization
- How much coverage do you need?
- Investing in individual tech stocks
- 5. Do your due diligence
- Invoice financing
- Equifax business credit scores
- Apply for credit sparingly
- Lowering your credit score
- 5. Plan for retirement
- The cash option
- 4. Understand mutual fund fees
- It’s good income, but it’s not passive income
- Private party
- Free online tax filing software compared
- What vehicle rentals are excluded?
- How to freeze your credit
- Free unlimited photo storage with Amazon Photos
- Seasonal Energy Efficiency Ratio (SEER) Rating
- 4. Purchase and store your XRP
- Fund selection
- If you have credit but want to strengthen your score
- 3. Investment accounts for kids
- 6. Claiming a home office deduction
- 5. Contact your own insurance company about the rental car accident
- 7. Go to an unconventional place
- When are taxes due in October?
- Gifting points doesn’t count
- Cheap auto insurance after an accident
- 4. Taxpayer identity theft
- When are taxes due in October?
- 4. Special dividends
- 4. Tax deductions
- 5. Purchase the appropriate levels of insurance
- 2. Promote your business
- 4. Get exercise by walking around the airport
- Worldwide Trip Protector benefits
- 6. Check your credit card for trip delay insurance
- Hybrid REITs
- How can you tell if you’ve been given your flight credit?
- 3. Set a target purchase price
- If you’re married
- 5. Get a quote
- 6. Award stays include a 5th night free
- 2020 credit card bonus categories
- When to use a bridge loan
- Net worth of U.S. families by age
- Why it’s the best
- Romance scams
- Commercial lending
- 4. Think about getting a second opinion
- 10. Social media management
- National Association for the Self-Employed (NASE) grant
- 7. Medical foot care
- You find it hard or impossible to get a mortgage
- 2. Review your Loan Estimates
- Basic economy tickets are typically ineligible
- 9. Pay your taxes
- Stock trading fee
- 2. Evaluate the stock
- What other ways can I protect my identity?
- Market orders
- Better perks for MileagePlus Premier members
- Podcasts
- What is Tesla Insurance?
- 6. You cannot be subject to expatriate tax
- 3. Prep the space yourself
- Some NerdWallet favorites: 0%
- Where to get preapproved for a car loan
- Airbnb (ABNB)
- Does Peddle buy salvage vehicles?
- Cons of gold stocks
- Saving for a rainy day (or a fun one)
- Best insurance company for affordability: NJM
- 2. Find the right location for your vending machine
- Pay bills on time
- 9. No foreign transaction fees
- Our pick for: Everyday spending
- Air France-KLM Flying Blue
- 5. Gather your paperwork
- Why it’s the best
- Spend on airline credit cards with built-in baggage perks
- Money market mutual funds = lowest returns, lowest risk
- 8. Errand-running
- National Association for the Self-Employed Growth Grant
- 6. Enrichment activities for children
- 1099-B
- 6. Growth investing
- What is the Global Entry interview like?
- Other economic indicators
- 1. Have a goal for your index funds
- Rocket Money
- Redemption value
- The cons
- Travelers
- 7. Babysit or open a daycare.
- 22% of businesses are owned by women
- Alaska
- Maintaining financial health
- 1. Individual stocks
- Keep credit cards open
- Debt-to-income ratio
- Common size balance sheet example
- Why you might roll a 401(k) into an IRA
- Cash or cash-like redemptions
- 11. Create a local grocery delivery service
- Your payment history
- 4. You can’t get away with amateur photos
- Hollywood Studios
- 5. The money can be used for more than retirement
- Take out a small-dollar loan from a credit union or bank
- 9. Southern California Job Creators Grant
- 4. Review their fees
- London-Luton
- Accept that they won’t be returned in perfect condition
- Credit Account
- 8. Angel investors
- Online marketplaces
- Where to get it
- 4. Define your core values
- Perkins loans
- Construction loan financing
- How long will the rental be covered?
- Amazon Elements
- Sustainable Agriculture Research and Education (SARE) Grants
- Post about the fair on LinkedIn
- Pregnant travelers
- 4. Capital One Travel
- You want to save your cash
- Home appraisal checklist
- 6. Marriott credit card perks go beyond mere points
- 2. Sustainable stocks
- 5. Preferred dividends
- 3. Decide how much stock you want to buy
- Create an operating agreement
- Commit 20% of your income to savings and debt paydown
- Delta SkyMiles® Reserve American Express Card
- How to complain about ECSI
- Consider a condo
- Leverage elite status
- Irrevocable life insurance trusts (ILITs)
- 1. How long you have to rollover a 401(k): The 60-day rule
- Additional standard deduction 2023 (taxes due 2024)
- Bank of America Charitable Foundation
- Extra perks
- 2019 credit card bonus categories
- Etsy
- Net worth of U.S. families by race or ethnicity
- Debt scams
- Cold wallet
- Stay during promotions
- Carfax Car Care
- Pros
- 5. If you have high-tier Marriott status, you get free United Airlines Premier Silver Status
- Program for Investors in Microentrepreneurs
- 8. Drug treatment/rehabilitation center
- Short-term loans
- Book one to three months in advance
- Debt management plan
- 4. Register for taxes and obtain an EIN
- Compare car insurance rates for 35-year-olds
- Trezor
- Tickets booked with an online travel agency might be tricky
- 7. Mastercard global payment network
- Does smoking void a life insurance policy?
- Top-tier Diamond status is hard to reach
- Do you get a new IP PIN every year?
- Try paying in cash dollars
- What's next?
- 4. Penalty abatement
- Make Money
- Webinars
- Free checked bags
- Be consistent
- 7. Using nice, neat, round numbers
- 8. Consider TSA PreCheck
- Schedule 1: Additional income and adjustments to income
- Albertsons (ACI)
- Where does Peddle buy cars?
- Exodus: 4.5 out of 5 stars
- 9. Coverage if your trip is canceled or delayed
- 4. Sell some merch
- In network
- Keep credit utilization below 30%
- 7. Suspend your benefit
- 10. Airport lounge access
- Publicly-traded REITs
- If you’re divorced or separated
- Consistency is key
- You can use credit card benefits to travel in basic economy
- 3. Learn the difference between investing in stocks and funds
- 9. Seasonal chores
- Bizee’s Fresh Start Business Grant
- Our pick for: Simple cash back
- If your employer doesn’t offer a 401(k) match
- USAA: Best for military and veterans
- Other risks of margin trading
- Federal Reserve
- Hawaii weather and terrain
- USAA
- 21% of businesses are minority-owned
- Car insurance from an independent agent or broker
- Book a sightseeing tour
- 11. Business planning service
- Saving and investing for retirement
- Bronze (requires 300 tier points):
- 2. Mutual funds
- Experian business credit scores
- 3. Invest in companies that financially support racial justice
- Check your credit reports
- 2. American Airlines
- 5. Rent out a room
- 12. Start a virtual event planning company
- Your credit age
- 2. Envision retirement
- 5. The more detail, the better
- How to contact AAA
- 6. Optimize your finances with tax planning
- 10. Ask family for help
- How much dwelling coverage do I have?
- 3. Decide how much stock you want to buy
- What do I need for my loan application?
- On-platform storage: Easy to use, with some risks
- Credit-builder loans
- 9. Small-business grants
- Bundled cost
- Buy it
- HEAL loans
- Step 4: Provide your email
- Chattel loans
- What if I don’t have personal auto insurance?
- How to request a copy of your credit report
- Amazon Family
- Other tips for flying to Salt Lake City
- 4. Get competing bids
- 1. Examine your cooling needs
- Giving to charity
- Diaper bags
- 5. Use a bank that reimburses ATM fees
- Fare flexibility/ticket changes
- How to maximize your rewards
- 5. Medical identity theft
- 5. American Express Membership Rewards
- 6. Dividend funds
- Hilton hotels in Phoenix
- Loan limits
- 6. Invest in the right equipment
- Ways to build credit
- Emirates Skywards
- 2. Taxes are withheld
- How to visit Eaglecrest Ski Area with points and miles
- Liability coverage
- Additional standard deduction 2024 (taxes due 2025)
- 7. It's free
- 2018 credit card bonus categories
- U.S. Bank Altitude™ Reserve Visa Infinite® Card
- Net worth of U.S. families by education
- Work with a real estate agent to find your ideal second home
- Methodology
- 1. Decide on an account type
- 2023 tax rates by state
- 1099-C
- After you're approved for Global Entry
- 2. Research index funds
- Cons
- 8. Start a housekeeping business.
- Alternative energy discount
- 5. Focus on the long term
- Florida
- Investing in tech funds
- Equipment financing
- You'll come out ahead by investing the money
- Bankruptcy
- Purchasing a Plumeria Lounge day pass
- Animal Kingdom
- 8. Privacy and security
- Will an insurance company know if I lie about my smoking habits?
- 10. Stephen L. Tadlock Veteran Grant
- Pay the fee or get a fee waiver
- Step 5: Staff wisely
- Research the companies
- What you need to get preapproved for a car loan
- 6. Find out who's responsible for paying what in a claim
- Arm Holdings (ADR)
- Can I drop off my car instead of having it picked up at my home or office?
- How to maximize your rewards
- 4. Borrow from your 401(k)
- 1. Think long term versus short term
- 5. Upwork
- Cheapest auto insurance in Florida for 20-year-olds with one speeding ticket
- 3. Robo-advisors that offer sustainable investments
- Other types of savings accounts
- 10. Baggage delay insurance
- 5. Make money from your blog with affiliate links
- Out of network
- Example CD APYs at select institutions
- 61% fewer complaints than average
- Keep credit accounts open
- Government-backed loans
- 2. Determine how to finance your franchise
- How to ensure you get the full $200 flight credit value
- 10. Selling handmade crafts
- Student loan scams
- 7. Mobile apps and entertainment for children
- 7. Value investing
- Step 4: Check to make sure your seat selection is OK
- Credit cards for earning American AAdvantage miles
- 5. Money market funds
- Joint ventures vs. partnerships
- 21.7% of business owners are immigrants
- 6. You can give yourself a ‘points advance’
- 12. Tax consulting
- If the car is sold, ask if you still owe money
- Silver (requires 600 tier points):
- FedEx Small Business Grant Contest
- 9. Childbirth services
- How to use British Airways Avios for a flight to Hawaii
- Pay strategically
- Make a lump sum payment
- 2. Managing money
- 1. Review your W-4
- Borrow money from a family member or friend
- 10. Crowdfunding
- Use credit card perks, maybe
- Eureka
- Step 5: Check for price drops (after booking)
- Manufactured home mortgages
- How does coverage vary for international rentals?
- 2. Time it right
- Perks that have real value
- Car seats
- Baggage and boarding
- Schedule 2: Additional taxes
- How to maximize your rewards
- Individual gold stocks
- 5. Tax credits
- Resident status rules
- Government bonds
- Payday alternative loans
- Etihad Guest
- Make 10 years' worth of payments
- 5. Binge-watch your favorite shows and movies
- 6. Pick your investments
- Travel Medical Protector benefits
- Public non-traded REITs
- If you’re undocumented
- 2017 credit card bonus categories
- Swappa, Gazelle
- 2. Choose the right broker
- Which is easiest to qualify for?
- 1099-CAP
- Plan group events or meetings
- Money Manager
- Spend the day being productive
- Anti-theft devices discount
- Travelers
- Online loans
- Down payments and gift funds
- Common size cash flow statement example
- Debt settlement
- Why you might not want to roll a 401(k) to an IRA
- 6. Brand your bakery
- 13. Sell zero-waste products
- Disney’s Typhoon Lagoon Water Park
- Cancel for Any Reason insurance can help
- Can you be denied life insurance if you smoke?
- 11. Feed the Soul Foundation's Restaurant Business Development Program
- Location matters
- 5. Revise and condense your mission statement
- Goals: Keep them realistic
- How Tesla Insurance works
- 5. Trim the scope of the job
- Asana (ASAN)
- What if someone else’s name is on the title?
- Cheapest car insurance after a DUI
- 2. Look into tax-loss harvesting
- Coinbase Wallet: 4.4 out of 5 stars
- 6. Account takeover
- You surrender the policy
- 11. Rental car coverage
- 5. Offer memberships
- Fleet expense management tools
- How to settle a dispute with ECSI
- Space out credit applications
- 1. Avoid filing your tax return on paper
- Consider paying with miles
- 8. Use a do-over
- 11. Luxury hotel benefits
- Use miles to save cash
- 11. Making greeting cards
- Social Security scams
- Venmo Small Business Grant
- Travel credits
- 4. Open your account
- 9. Become a tutor.
- What’s next?
- Nevada
- Gold (requires 1,500 tier points):
- 3. Index funds
- Compare the same score
- 3. Loan processing takes over
- 6. You’ve got to price it right
- Ledger
- Two-day ticket deals
- 9. Modern style
- Mutual fund transaction fee
- Average annual car insurance costs from large companies
- 5. Do a final check
- Noncustodial wallets: More effort, more security
- 11. Business credit cards
- Limit orders
- Parent PLUS loans
- Higher end hotels
- 5. Hiring a tax relief company
- 3. Look for equipment rebates and tax credits
- 6. Use your debit card to get cash back at a store
- 6. Capital One Rewards
- Property standards
- Chubb: Best for high-value homes
- Iberia Plus Avios
- Carnegie Corporation
- Perks await when you fly economy with elite status
- 2016 credit card bonus categories
- 8. Shared accessories and attire
- 1099-DIV
- A note: Birthday elite night credits are on pause
- What happens if you are declined?
- 1. Automate transfers
- Weather in the Bahamas
- When applying for a loan online makes sense
- Pros
- Small businesses in the leisure and hospitality industry experienced a 9.6% loss in establishments
- 7. Stay for five, pay for four
- New car discount
- 10. Medical billing service
- Secured loans
- Set a price alert
- Make biweekly payments
- 14. Make products for pets
- 7. Invest to build your future goals
- Disney’s Blizzard Beach Water Park
- How are my belongings covered?
- 5. Manage your mutual fund portfolio
- Secured credit cards
- How it works
- InboxDollars Surveys
- Budget: Factor in all the costs
- Submit every year
- What is the procedure for filing a claim?
- Salt Lake City Marriott hotels
- 6. Time your project
- The FruitGuys Community Fund
- Expect to network — not necessarily find a job
- Creating tax diversification and flexibility
- Seat selection
- Schedule 3: Additional credits and payments
- Beyond Meat, Inc. (BYND)
- You sell the policy
- 12. Travel assistance
- Dividend per share (DPS)
- 3. Sell your castoffs
- Monitor your credit reports
- 2. Get direct deposit
- Got more questions about how to open an IRA? We have answers
- Bring a snack (just in case)
- Medical payments coverage
- If you own a small business or farm
- 12. Art teacher
- 3. Pick your index funds
- 6. Take advantage where you can
- Chubb
- 13. PR agency
- New Hampshire
- 3. Japan Airlines
- 2. Make sure your bonus is actually taxable
- 7. It’s not over when the item sells
- 12. Chicagoland Job Creators Quest Grant
- Use miles to fly to South Africa
- Step 6: Practice your elevator pitch
- Tactic 3: Use your military benefits
- Have an estate plan in place
- Strollers
- 3. Hold the shares inside an IRA, a 401(k) or other tax-advantaged account
- Cheapest auto insurance in Florida for 20-year-olds with one at-fault crash
- Gold stock ETFs
- 7. Criminal identity theft
- 6. Sell your wares on Etsy
- 6. Payments
- Pay with points and miles
- 75% for member benefits
- How quickly could the IRS implement the child tax credit expansion?
- How to have more taxes taken out of your paycheck
- 12. Cardholder hotline
- Qantas Airways
- Private REITs
- 2015 credit card bonus categories
- Medicare scams
- 3. Open the account
- 8. Income investing
- AndroMoney
- Cons
- Joint ventures vs. franchises
- Retail business applications increased by 87%
- Safety equipment discount
- Identify grants that are suited to your business
- Personal loans
- How to use Alaska miles for an American flight to Hawaii
- Check out peer-to-peer lending
- Smaller-impact things to know
- You'll need the cash for other things
- Rebook if you find a cheaper price
- Shopping
- 4. The underwriter makes a decision based on your documentation
- 15. Create custom clothing
- Earning rates
- Birkenstock (BIRK)
- How to maximize your rewards
- Our pick for: Cell phone and internet bill payments
- 13. Purchase protections
- Dividend yield
- Prudence's policy:
- Example money market account APYs at select institutions
- 7. Don’t neglect your finances
- Part-year resident status rules
- 3. Stay on top of things
- Upgrading to Main Plus
- Our pick for: Flat-rate travel rewards
- Invest in noise-canceling headphones
- 3. Scout a location
- If you have multiple kids in college
- 13. Musician
- Citi Prestige® Card
- The Amplifier Grant
- 1099-G
- Step 5: Register the business
- 6. High-yield savings accounts
- When applying for a loan in person makes sense
- 10. Become a career coach.
- Car insurance from specialty agencies
- 11. Nutritionist/dietitian
- FHA appraisal
- Pay extra on your monthly car payment
- 1. The modern consumer is smarter than ever before, so be an expert in your field.
- 3. Use tax deductions
- 8. Grow your financial well-being
- Is there enough liability coverage?
- 10. Monthly installment plan
- Appendix: How the math works in our examples
- Understand what your credit card insurance will (or won’t) cover
- Google Opinion Rewards
- Audience: Review your target audience
- Book intra-South Africa flights using Chase Ultimate Rewards® points
- Home equity loan
- 5. Kiwi
- 7. Use a travel credit card instead
- 6. OfferUp
- Trust Wallet: 4.3 out of 5 stars
- 7. Citi ThankYou Points
- Best insurance company for accident forgiveness: Geico
- Delta SkyMiles® Reserve Business American Express Card
- 13. Access to unique, cardmember-only events
- 401(k) hardship withdrawals
- Singapore Airlines
- Apply for PSLF forgiveness
- Ford Foundation
- 2014 credit card bonus categories
- Tax scams
- Handle with care
- 2. Count your coins and bills
- State Farm
- 14. Professional organizing
- South Dakota
- Equity financing
- 3. Start small
- Three-day ticket deals
- 6. High-yield savings accounts
- Manufactured home pros
- Farm Bureau Ag Innovation Challenge
- Some NerdWallet favorites: Cash back
- Additional items
- Upgradeability
- Bumble (BMBL)
- Zero-interest credit card
- 5. Enter a debt management plan
- 4. Call in a pro
- 7. You’ll need high credit to improve your chances of approval
- 14. Customer service without the wait
- Obtaining an EIN
- Scenario: Doctor visits and an MRI
- Benefits
- 4. Earn badges through Live videos
- How to have less taxes taken out of your paycheck
- Consider a light blanket
- 4. Set a budget for your stock market investment
- 14. Music lessons
- 4. Fund the account
- How much can you borrow?
- American Family
- 1099-INT
- Pros
- Joint ventures vs. licensing
- Transportation and warehousing business applications grew by 100.7%
- Confirm grant details
- Pros of a 203(k) loan
- 7. Separate your business finances
- 16. Sell vintage clothing online
- 4. Contribute to a tax-advantaged account
- 8. Be ready for some returns
- Expense ratios
- 13. Beyond Open Small Business Grant Program
- Where to get it
- Content: Focus on quality
- Step 7: Write client proposals
- 4. Education accounts
- Cheapest auto insurance for poor credit
- You take out a loan against the cash value
- 4. One more thing to know about your tax refund
- Virgin Atlantic Flying Club
- Investment scams
- FedEx Small Business Grant Contest
- 9. Shared home improvement equipment
- 9. Socially responsible investing
- 4. Decide where to buy your index funds
- 1Money
- 5. Choose investments that match your tolerance for risk
- 15. Photography
- Tennessee
- 12. Alternative health care
- Peer-to-peer (P2P) lending
- Be flexible with destination, airport and dates
- What are the deductibles?
- Swagbucks
- Cava (CAVA)
- Cheapest auto insurance in Florida for 20-year-olds after a DUI
- 8. Your shopping habits can decide the best card for you
- 7. Self-publish an e-book
- Drawbacks
- Nonresident status rules
- 3. Find your vending machine
- Corporate bonds
- How to visit Red Lodge Mountain with points and miles
- Coca‑Cola Foundation
- 15. Farmers market vendor
- Our pick for: Flexible rewards and a bonus
- Past years' state tax rates
- Where is the best place to exchange currency?
- 3. Prep for grocery shopping
- 11. Offer freelance creative services.
- Liberty Mutual
- Cons of a 203(k) loan
- Explore startups
- 5. Your loan is cleared to close
- 17. Begin niche blogging
- 4. Consider passive investing
- 9. Estate planning: Protect your financial well-being
- Compare business CD rates: 12-month term
- Dollar-cost averaging
- Tracking: Identify key metrics
- Manufactured home cons
- Vanguard 500 Index Fund (VFIAX)
- Home equity line of credit
- Home equity financing
- MetaMask: 4.0 out of 5 stars
- 8. Bank of America® rewards
- Dividend payout ratio
- Refinancing
- How do you get a perfect credit score?
- How to use a W-4 to owe nothing on a tax return
- Tory Burch Foundation Fellows Program
- 5. Help your kid decide what to invest in
- 1099-K
- 7. CDs
- Joint ventures vs. mergers or acquisitions
- 23% of business owners cite inflation as their single most important problem
- Texas
- 4. Exchange-traded funds
- Prepare and submit applications
- 9. Face issues head on
- How much is auto insurance after an at-fault accident?
- 14. Bizee Fresh Start Business Grant
- Is Tesla Insurance worth it?
- Step 8: Set your pricing
- 1. Live in the house for at least two years
- Young Farmer Grant Program
- Chewy (CHWY)
- How to maximize your rewards
- 8. Whether Capital One miles expire
- 16. Candle maker
- When do you have to pay it back?
- How do I find a currency exchange near me?
- Airport lounge access
- BB&T business loan application
- Cons
- Good student discount
- 16. Event space
- 13. Health information website
- Why Chase Ultimate Rewards® can be the best option
- Rethink your bank
- Mortgage insurance
- 5. Defer your bonus
- 7. CDs
- Vanguard Total Stock Market Index Fund (VTSAX)
- 7. Poshmark
- Scenario: Trip to the ER
- 5. Build a community
- Country Financial: Best for using an agent
- AeroMexico
- 4. Review and sign your franchise agreement
- Determine if your quotes are a good deal
- 12. Keep the books for local businesses.
- 40% of small-business owners note trouble filling jobs
- 4. United Airlines
- 8. Secure business funding
- 18. Become an e-book writer
- 10. Use the eBay seller hub
- 15. Venmo Small Business Grant
- Use AutoSlash to get a cheap rental car
- 2. See whether you qualify for an exception
- Coinbase (COIN)
- 401(k) loan
- How to maximize your rewards
- 1. Freeze your credit
- Hyatt hotels in Phoenix
- Employment taxes
- Home equity loans and lines of credit
- Home Depot Foundation Veteran Housing Grants Program
- Pros
- 17. Retail arbitrage
- Capital One Venture X Rewards Credit Card
- 10. Vacation rentals
- Where can you exchange currency for free?
- 5. Buy index funds
- Property-based passive income ideas
- Homeowner discount
- 17. Interior decorating
- Washington
- Consider backup funding options
- Citi Double Cash® Card
- 2. Are you seeking investment or looking for business financing?
- Other accommodation options
- Vanguard Total Bond Market Index Fund (VBTLX)
- Cash-out refinance
- 5. ABLE Accounts
- 8. Get advertising revenue from your blog or YouTube channel
- 14. Purchase protection
- Cathay Pacific
- 5. Focus on investing for the long-term
- Auto Club Group
- 1099-LTC
- Long-term goals vs. short-term goals
- Joint ventures vs. qualified joint ventures
- 14. Medical supply sales
- 16. U.S. Chamber of Commerce America's Top Small Business Awards
- Property-based passive income ideas
- You may find a bigger discount with corporate codes
- 3. Keep the receipts for your home improvements
- 6. BookWithMatrix
- Compass (COMP)
- Cryptocurrency pros
- Electrum: 2.5 out of 5 stars
- 2. Safeguard your Social Security number
- Our pick for: Customizable bonus categories
- Expand your coverage with endorsements
- Cons
- 18. Graphic designer
- 4. Minimize restaurant spending
- Hotel status
- 73% of business owners feel the impact of supply chain issues
- Student away-at-school discount
- 18. Woodworking or furniture building
- Using American Express Membership Rewards points
- Get excited about a minority-owned stock exchange
- 3. Building a budget
- 19. Start ghostwriting
- 11. Improve your seller profile
- Sales load
- How it works
- Stay true to your brand
- Stay at Marriott's Protea Kruger Gate
- Step 9: Stay organized and deliver results
- Vanguard Balanced Index Fund (VBIAX)
- Fund-a-Farmer Grants
- CREDIT CARD RENTAL BENEFITS CAN TAKE YOU FARTHER
- Cheapest full coverage car insurance in Florida for 30-year-olds
- Self-employment tax
- Best insurance company for having few customer complaints: American Family
- 8. Establish a marketing plan for growth
- 1. Decide what type of investor you are.
- 15. Return protection
- 5. Attend corporate training
- 11. Electronics repair
- Are the proceeds taxable?
- 1099-MISC
- Gifting large sums of money to family
- Step 6: Find and maintain clients
- 8. Buy a rental property
- 13. Dip your toe in the food industry.
- Wyoming
- 9. Decide on your menu
- Compare car insurance rates for drivers with a DUI
- Complete financial plan and investment advice
- 17. EBay Up & Running Grants
- AutoSlash only shows cars available on Priceline
- How much is a Tesla?
- More from NerdWallet
- 3. Be alert to phishing and spoofing
- Pay off debt
- 4. Explore your financing options
- Choice Hotels
- How to visit Schweitzer Mountain Resort with points and miles
- 2020-2022 earned income credit amounts
- Clif Family Foundation
- 19. Technology tutor
- 6. Keep an eye on your index funds
- 65% of small-business owners expect revenue to increase
- 15. Stylish uniforms for medical professionals
- Sample rates for return-of-premium life insurance
- 20. Become a resume writer
- 12. Solicit feedback
- 8. Buy a rental property
- 5. Optimize your stock portfolio
- Keep it relevant, useful and authentic
- Vanguard Growth Index Fund (VIGAX)
- Personal loan
- CrowdStrike Holdings (CRWD)
- Cryptocurrency cons
- California earned income tax credit (CalEITC)
- 16. Extended warranty
- Is the interest paid tax-deductible?
- Transfer partners
- 19. Graphic design
- Using Citi ThankYou Points
- Floods
- 3. What's your point of difference in the market?
- The 10 largest lottery jackpots
- 18. Grants.gov
- Where to get it
- Cheapest car insurance for young drivers
- 4. Use strong passwords and add an authentication step
- Sales tax
- Conventional loans
- Hawaiian Airlines Hawaiian Miles
- 6. Manage your stock portfolio
- 20. Blogger
- 1099-NEC
- Low-risk vs. high-risk investing strategy
- Paying for vacations, cars or other stuff
- 5. Get discounts on entertainment
- 9. Rent out your own house
- 55% of business owners expect all accepted payment methods to eventually become digital
- 16. Hearing aid dispensary
- Home purchase: Basic Home Mortgage 203(b)
- Citi Rewards+® Card
- 21. Open a coworking space
- 13. Download the eBay app
- Specialized guidance and/or want to meet with an advisor face-to-face
- Customize your content for each channel
- Vanguard Small Cap Index Fund (VSMAX)
- Salt Lake City Hilton hotels
- Brighter Future Fund
- Avoid taking on more debt
- Our pick for: Maximized value
- 9. Become an Instagram influencer
- California young child tax credit (YCTC)
- 6. Open your doors
- Funding Circle
- Pros
- 14. Do home or tech repairs.
- 20. Clothing boutique
- How to compare life insurance quotes
- 10. Obtain bakery equipment
- 9. Rent out your own house
- 6. Know when to sell stocks — and when not to
- DoorDash (DASH)
- Cheapest minimum coverage car insurance in Florida for 30-year-olds
- 5. Use alerts
- 1. Has the W-4 form changed?
- Cash advance apps
- 21. Podcaster
- Capital One Venture Rewards Credit Card
- Auto-Owners
- Giving a laid-back loan
- Benefits of joint ventures
- 21.6% of small businesses cite a large negative effect on business due to the pandemic
- 17. Respite care service for caregivers
- FHA refinance loans
- 4. Saving money
- Average car insurance costs after a speeding ticket
- 19. GrantWatch
- Fully utilize content
- Tesla repair costs
- Accounting
- Vanguard Total International Stock Index Fund (VTIAX)
- Some NerdWallet favorites: General travel
- Wait to apply
- FHA loans
- California child and dependent care tax credit
- 17. Rental car coverage
- Hilton Honors
- 12. Academics courses
- Our pick for: Worldwide acceptance
- 1099-OID
- Do-it-yourself vs. hiring professional help
- 6. Map out major purchases
- 10. Get a roommate
- Cons
- Loyalty discount
- 21. Bed and breakfast
- Life insurance quotes vs. rates
- 22. Become an online coach
- 14. Connect eBay to your own store
- Portfolio management only
- Fiverr International Ltd. (FVRR)
- 6. Watch your mailbox
- Kubota Hometown Proud Grant Program
- 22. Social media influencer
- Setting up joint bank accounts
- Card ecosystem
- Risks of joint ventures
- 18. Medical marijuana dispensary
- Earthquakes
- Management or advisory fees
- 10. Get a roommate
- Branding
- Pros
- California adoption cost tax credit
- 2. Choose how much you want to invest.
- 2. What does it mean to be exempt from taxes?
- NJM: Best small regional insurer
- 18. Trip cancellation or interruption insurance
- 1099-PATR
- How much are car insurance quotes?
- Alternative investment passive income ideas
- American Express Business Blueprint™
- 15. Plan parties, events, or weddings.
- Multiple cars discount
- 22. Food truck
- 11. Price your products
- 23. Flip failing websites
- How it works
- Instacart (CART)
- Ledger: 5.0 out of 5 stars
- 7. Shred, shred, shred
- 10. Monetize your Twitch channel
- Our pick for: Bank of America® customers
- JetBlue TrueBlue
- 23. Live-streaming gamer
- Step 7: Invest in advertising and expanding
- Fully underwritten life insurance
- FHA renovation loans
- Wildfires
- Citi Custom Cash® Card
- 15. Network with other sellers
- Alternative investment passive income ideas
- Web design
- Farmer Veteran Fellowship Fund
- Cheapest auto insurance for senior drivers
- Cheapest auto insurance in Florida for 30-year-olds with poor credit
- Cons
- Best insurance company for financial strength: Auto-Owners
- California nonrefundable renters tax credit
- 13. Language courses
- 1099-Q
- 7. Restrict online shopping
- 96% of small-business owners have business bank accounts
- Multiple policy (bundling) discount
- How do I start a health care business?
- Cold plates and made-to-order meals
- 24. Become a web developer
- Where to get it
- Lyft (LYFT)
- 8. Use a digital wallet
- 3. Gather your paperwork.
- 19. Trip delay reimbursement
- Marriott Bonvoy
- Amazon Web Services (AWS) Imagine Grant
- 24. Photographer or videographer
- 11. Peer-to-peer lending
- 23. Restaurant or cafe
- Other specialty FHA loans
- Average car insurance costs after a DUI
- Human resources
- Some NerdWallet favorites: Co-branded
- 5. Stock your vending machine with inventory
- Buy now, pay later
- How to visit Steamboat Resort with points and miles
- Farmers
- 1099-R
- How do I start a home health care business?
- 25. Start a podcast
- Pros
- Veteran Business Outreach Centers
- 11. Peer-to-peer lending
- Nextracker (NXT)
- Trezor: 4 out of 5 stars
- 9. Protect your mobile devices
- Can a single-member LLC have employees?
- 3. When should I review my W-4?
- 20. Lost luggage reimbursement
- 25. Web designer
- 1. Find a partner
- 16. Become a fitness instructor.
- 60% reported no impact from recent bank failures
- Simplified issue life insurance
- 24. Craft brewery
- Citi Rewards+℠ Student Card
- Can I sell on eBay without a store?
- Green living
- American Express® Gold Card
- 1099-S
- 8. Delay purchases with the 30-day rule
- Which factors determine car insurance quotes?
- How do I write a business plan in health care?
- 26. Be a social media influencer
- Palantir (PLTR)
- Cheapest auto insurance in Florida for 30-year-olds with one speeding ticket
- 10. Check your credit reports regularly
- 11. Sell your photography
- 4. Pick your investments.
- 21. Medical emergencies during travel
- 26. Transcription
- Pros
- 14. Business or marketing courses
- Credit required
- 12. Private equity
- 12. Set the atmosphere
- Compare auto insurance rates for drivers with poor credit
- Do I need a tax ID to sell on eBay?
- 401(k) fees
- Organization
- Does a single-member LLC need an EIN?
- 4. Can I adjust my W-4 multiple times throughout the year?
- 17. Become a doula.
- Guaranteed issue life insurance
- Automatic payments discount
- 25. Ice cream shop
- 6. Evaluate the price of the business with the earnings, assets or market approach
- Cons
- Service-Disabled Veteran-Owned Small Business Program
- 12. Private equity
- How it works
- SafePal: 3.8 out of 5 stars
- 11. Monitor financial and medical statements
- 6. Make the right investments
- 1099-SA
- 9. Get creative with gifts
- The bar
- 27. Create online courses
- How many things can you sell on eBay for free?
- Peet’s Coffee and Tea (JDEP)
- Our pick for: Prime gaming
- USAA: Best for military and veterans
- Our pick for: Paying rent
- 27. Data entry
- Over half of small businesses have $50,000 or more in their business banking accounts
- 26. Personal chef
- Citi Premier® Card
- Where to get it
- Salt Lake City Hyatt hotels
- Is a single-member LLC a sole proprietorship?
- Most popular: HO-3 insurance
- Cons
- 15. Personal wellness
- The Hanover
- Overseas acceptance
- 2. Choose a type of joint venture
- 18. Start a dropshipping business.
- Early shopper discount
- 28. Become a marketing consultant
- How much is an eBay store per month?
- Boots to Business
- What should you do if you’re invested in these REITs?
- Peloton (PTON)
- Cheapest auto insurance in Florida for 30-year-olds with one at-fault crash
- Best insurance company for discounts: Amica
- State Farm Good Neighbor Citizenship Company Grants
- 28. Create an app or online game
- 13. Crypto staking
- 27. Landscape services
- Methodology
- Capital One Savor Cash Rewards Credit Card*
- 10. Lower your car costs
- 19. Maintain lawns in your area.
- Paid-in-full discount
- 13. Crypto staking
- Petco (WOOF)
- How to visit RED Mountain using points and miles
- 28. Pet grooming
- 29. Develop an app
- Institute for Veterans and Military Families
- Apple Cash: digital card
- How do you pay yourself in a single-member LLC?
- 12. Become a dog walker with Rover or Wag
- Broadest coverage: HO-5 insurance
- 20. Become a virtual assistant.
- Paperless discount
- Citi Prestige® Card
- 5. Maximizing your credit cards
- Your house
- Robinhood (HOOD)
- 1. Lost wallet
- Google Ad Grants
- 16. Courses in hobbies or interests
- 11. Reduce your gas usage
- 29. Florist
- Refreshment stations
- Cheapest auto insurance in Florida for 30-year-olds after a DUI
- Benefits of FHA loans
- 30. Make a smart appliance
- Your location
- Average annual car insurance costs for drivers with good vs. poor credit
- Veteran Women Igniting the Spirit of Entrepreneurship
- How it works
- Rocket Companies, Inc. (RKT)
- Nationwide
- Product creation passive income ideas
- 21. Become a life coach.
- Cash App debit card
- 2. Mailbox theft
- Are single-member LLCs subject to double taxation?
- Limited coverage: HO-1 and HO-2 insurance
- 3. Draft a joint venture agreement
- 30. Massage therapist
- Disadvantages of FHA loans
- 31. Tap into virtual reality experiences
- You and your stuff
- Product creation passive income ideas
- Slack (WORK)
- 13. Sell unused gift cards
- Citi® / AAdvantage® Executive World Elite Mastercard®
- 17. Bookkeeping and accounting
- 12. Bundle cable and internet
- AT&T Points Plus Card
- Veteran Institute for Procurement
- 1. Look at customer satisfaction scores
- Individual stocks
- The Unless Project
- 14. Write content
- 32. Make a niche dating site
- Where to get it
- Snowflake (SNOW)
- 3. Using public Wi-Fi
- Roth IRA withdrawal rules
- Erie: Most generous coverage
- How to visit Marmot Basin using points and miles
- 22. Manage a local business’s social media channels.
- 14. Write content
- 2. Consider financial strength
- 13. Switch your cell phone plan
- 31. Nutritionist
- 33. Develop a chatbot
- Office of Small & Disadvantaged Business Utilization
- Uber (UBER)
- Cheapest full coverage car insurance in Florida for 40-year-olds
- Our pick for: Target gaming purchases
- Best insurance company for customer satisfaction: State Farm
- Roth IRA withdrawal penalty
- Pros
- 18. Consulting
- 4. Pay taxes
- 7. Secure capital to make the purchase
- 6. Borrowing money
- 3. Evaluate the policy options
- 4. Data breaches
- 14. List your spare bedroom on Airbnb
- State Farm
- 23. Monetize your own social media channels.
- Ask about discounts
- 32. Personal trainer or fitness instructor
- Compare insurance rates for drivers with an accident
- 34. Offer matchmaking skills
- Vroom (VRM)
- Cons
- Dividend stocks
- Replacement cost vs. actual cash value
- State and local governments
- Aldi Cares Community Grants
- Delta SkyMiles® Platinum Business American Express Card
- 14. Reduce your electric bill
- 24. Become an SEO consultant.
- Consider overall premium cost, not just discounts
- 35. Be a virtual assistant
- 4. Get prices from a handful of companies
- 5. SIM card swap
- 15. Publish a digital course
- 33. Beauty services
- How much is auto insurance for young drivers?
- Warner Music Group (WMG)
- Cheapest minimum coverage car insurance in Florida for 40-year-olds
- 5. Follow other applicable regulations
- 25. Go freelance.
- Shop around
- 15. Publish a digital course
- 19. IT support
- 15. Lower your student loan payments
- 34. Life coach
- 36. Reinvent exercising
- Zoom (ZM)
- 6. Phishing or spoofing
- Zendesk Tech for Good Impact Awards
- Car-related passive income ideas
- Nationwide: Best online experience
- Travelers
- 37. Create eco-friendly, health-friendly makeup and beauty products
- Car-related passive income ideas
- ZoomInfo (ZI)
- 15. Sell your gently used clothes
- Best insurance company for military members: USAA
- 16. Cancel unnecessary subscriptions
- Cheapest auto insurance in Florida for 40-year-olds with poor credit
- 7. Skimming
- United Club℠ Infinite Card
- 20. Graphic design
- 16. Wrap your car with ads
- 35. Tutor
- 38. Open a food truck or restaurant pop-up
- What is a prepaid debit card?
- Homeowners insurance deductibles
- The Audacious Project
- 16. Wrap your car with ads
- 17. Refinance your mortgage
- 36. Daycare provider
- 39. Start an organization business
- 8. Phone scams
- 17. Rent out a parking space
- Average annual car insurance costs for young drivers by company
- What is a prepaid credit card?
- Our pick for: Walmart gaming purchases
- 40. Do interior design for young professionals
- 17. Rent out a parking space
- Cheapest auto insurance in Florida for 40-year-olds with one speeding ticket
- 16. Trade in old phones, electronics for cash
- Wells Fargo nonprofit grants
- 21. Social media management
- 18. Set savings goals
- 37. Senior care provider
- Where can you get a prepaid card?
- 9. Looking over your shoulder
- How to compare renters insurance
- Openly: Fewest consumer complaints
- 38. Interpreter or translator
- How do you add money to a prepaid card?
- Marriott Bonvoy Brilliant® American Express® Card
- 10. Malware
- 39. Housecleaning
- Which prepaid card is best?
- Cheapest auto insurance in Florida for 40-year-olds with one at-fault crash
- 17. Get a babysitting gig
- 22. Marketing copywriter
- 19. Track spending
- 1. Review your mission
- 40. Automotive repair
- 7. Your credit score
- 2. Refine your search with keywords
- 23. Virtual assistant services
- 20. Pay off high-interest debt
- 1. Gather your information
- 41. Handyman services
- Cheapest auto insurance in Florida for 40-year-olds after a DUI
- Our pick for: PlayStation purchases
- 18. Rent out your car
- Prime Visa
- You have a roommate
- 21. Keep savings in a high-yield savings account
- 3. Narrow down based on location
- 42. Dry cleaners
- 8. Close the deal with the appropriate documents
- State Farm: Best perks
- 22. Create a 50/30/20 budget
- 43. Hardware store
- 2. Choose the right liability car insurance coverage levels
- 4. Look for organizations with similar values
- 1. Do your research
- You’re on a tight budget
- 19. Sign up for TaskRabbit
- 44. Self-storage business
- Cheapest full coverage car insurance in Florida for 50-year-olds
- 2. Get organized and make it official
- 5. Consider hiring a grant writer
- Verizon Visa® Card
- You would want new items if your belongings were destroyed
- 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
- You own expensive jewelry or electronics
- Cheapest minimum coverage car insurance in Florida for 50-year-olds
- 47. Website development and design
- 48. Sell clothes online
- Our pick for: Best Buy purchases
- You’re a first-time home buyer
- You have a dog
- 24. Join initiatives to get free items
- 3. Decide if you need full coverage car insurance
- 21. Drive for Uber, Lyft
- 49. SEO consultant
- 8. Taxes
- Cheapest auto insurance in Florida for 50-year-olds with poor credit
- 50. App development
- You live in a high-risk area
- 25. Use car sharing services
- 22. Make deliveries for Amazon, Uber Eats
- Cheapest auto insurance in Florida for 50-year-olds with one speeding ticket
- You have a dog
- 26. Stock up on household supplies when they’re cheap
- 9. Paying off debt
- 4. Collect and compare car insurance quotes
- 23. Find work as a housesitter
- Cheapest auto insurance in Florida for 50-year-olds with one at-fault crash
- You own valuable items
- 27. Enjoy community events
- Our pick for: Digital Microsoft Store purchases
- Pros of buying a business
- 24. Sign up to be a mystery shopper
- You own an older home
- 28. Cash in on your birthday
- Cheapest auto insurance in Florida for 50-year-olds after a DUI
- 25. Put your drone to work
- Compare car insurance companies
- Cheapest full coverage car insurance in Florida for 60-year-olds
- Conditions common to your dog’s breed
- Cheapest minimum coverage car insurance in Florida for 60-year-olds
- Cons of buying a business
- 10. Insurance
- Your dog’s energy and activities
- Cheapest auto insurance in Florida for 60-year-olds with poor credit
- Wellness expenses
- Cheapest auto insurance in Florida for 60-year-olds with one speeding ticket
- Decide whether your cat needs insurance
- Cheapest auto insurance in Florida for 60-year-olds with one at-fault crash
- Wellness expenses
- Cheapest auto insurance in Florida for 60-year-olds after a DUI
- 11. Investing
- 1. Check whether your pet is eligible
- 2. Research what’s covered
- Cheapest full coverage car insurance in Florida for 70-year-olds
- 3. Decide how much coverage you want
- Cheapest minimum coverage car insurance in Florida for 70-year-olds
- 4. Understand reimbursements and deductibles
- Cheapest auto insurance in Florida for 70-year-olds with poor credit
- 5. Check waiting periods
- Cheapest auto insurance in Florida for 70-year-olds with one speeding ticket
- 12. Starting or running a business
- 6. Examine extra costs
- Cheapest auto insurance in Florida for 70-year-olds with one at-fault crash
- 7. Compare quotes
- 13. Travel
- Cheapest auto insurance in Florida for 70-year-olds after a DUI
- 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