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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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- Potential for high returns
- YNAB
- Car maintenance is important
- Look for the lowest HELOC rate cap
- 2. Super 8
- 3. Zeta Money Manager
- How to list a car on CarGurus
- 6. Enhance your travel experience
- 2. American Express® Gold Card
- Getting the best HELOC rate
- What does Spirit consider a personal item vs. carry-on vs. checked bag?
- 5. Block Inc.
- You don't want to pay interest
- IRS levies and passport restrictions
- Why it’s the best
- 3. Online lenders
- Hotel stays
- 2. Register your business
- Conventional Plus Program
- Auto insurance direct from the insurer
- Southwest Airlines
- Income-Contingent Repayment
- Delta Sky Club
- Regulation
- Average monthly car payment by credit score
- Cities with the top five highest annual rent increases:
- Fannie Mae HFA Preferred
- 68% of customer churn is attributed to company indifference
- Seat selection
- Life insurance riders for people with HIV
- Uncertainty
- 4. Prioritize expenses and goals
- Nonresident status rules
- Epcot
- Want to compare the best of the best?
- How to create Etsy coupons
- Mid-cap companies: $2 billion to $10 billion
- 0% balance transfer credit card
- 4. Your risk tolerance has changed
- Access to hundreds of integrations
- Got a raise? Direct half to your 401(k)
- 2. Document your charitable contributions
- Credit Karma
- 4. Use an American Airlines credit card to earn miles faster
- Medicare
- CAPLines
- Where to get it
- 5. Your World of Hyatt elite status level
- EARN MORE POINTS WITH A MARRIOTT BONVOY CREDIT CARD
- Bank of America® Travel Rewards credit card
- Where Trust Wallet shines
- Spacing out credit card applications
- Earnings rates (towards status)
- Cash reserves
- JetBlue TrueBlue
- All-in-one exchanges: Trade more than crypto
- 20% of your income: savings and debt
- Sell stuff online
- Buy park-to-park tickets
- 4. Sell lemonade in the summer or hot cocoa in the winter
- Hormone replacement therapy
- An account in collections
- 2. Look into suburban venues
- Own your car sooner
- Cost to own an inground pool
- Senior miners
- Blanket coverage
- You can get the car title in your hands faster
- 4. Buy commission-free ETFs
- Does basic economy get a carry-on on United?
- 4. Monitor and adjust your spending
- 4. Compare lenders
- AI for consumers: Foundation, DALL-E, ChatGPT and GPT-4
- Appeal the claim denial
- Can you buy your policies from different companies?
- What happens to a striker’s job?
- Invesco WilderHill Clean Energy ETF (PBW)
- 1. Look at the company’s price-to-earnings ratio and market cap
- 2. Easier tax setup
- Travel rewards credit cards
- Customer satisfaction
- How much does tree removal cost?
- Find an in-network ATM abroad
- Wellness Rewards
- Step 3: Choose a business entity
- Schedule K-1 recipients
- Company assets
- 3. Stay invested with the "buy and hold" strategy
- Elevated rewards in common everyday categories
- 3. Choose how much you want to invest
- What are Amazon’s seller fees?
- Pros:
- 4. Get elite status or fly with someone who has it
- What the American Opportunity Credit is worth
- 4. A 25% boost when redeeming for travel via Chase
- 7. Whip your neighbor's yard into shape
- Disadvantages of a lady bird deed
- Next Home
- Cheapest full coverage car insurance in Florida for 20-year-olds
- Other factors
- What if you withdraw from your 401(k) early?
- 8. Cinnabon
- 5. Lounge access
- Urban beneficiaries used more telehealth services
- Unlimited music streaming
- Partner airlines
- 2. Trust in diversification
- Bank of America® Premium Rewards® Elite credit card
- Sell your car to an individual or private party
- UFB Direct: Best savings account
- Cash-out refinance
- Advantages of sticking with one bank
- Should you gamble on meme coins?
- Pay off the loan faster
- Permanent life insurance has tax benefits
- Valuable travel reward redemptions
- 2. Decide how much help you want
- Pro: It’s easier to qualify
- 4. Consider your spouse
- 4.5-star plans
- The cons
- 2. Pick a product to import or export
- Formal two weeks’ notice template
- Funding Circle
- Value-Added Producer Grant
- 3. Provide details for payment and identification
- 3. Child care
- Step 4: Refine your withholdings
- 3. Decide how many shares to buy
- Fly on the holidays (or as far from it as possible)
- Less than a year
- If you're 59½ or older and the account is at least 5 years old
- Where Coinbase Wallet shines
- Brand-specific rewards
- 1. Multiply your income by 10
- 3. Set up balance alerts to stay on top of spending
- Fly from the U.S. to South America in business class
- 3. Evaluate other factors
- 3. Budget for taxes
- Where to get a private student loan
- 3. Set manageable goals
- 6. Adoption credit
- Apply for a balance transfer card
- Chase Freedom Flex℠ and Chase Sapphire Preferred® Card
- Earn by flying
- 4. Contribution limits are high
- 7. Curate subscription boxes
- Joint venture agreement
- Contributions are tax-free
- Discover
- Chase Sapphire Reserve®
- How does FDIC insurance on prepaid cards work?
- It can be costly to end your lease early
- How to buy a car on CarGurus
- Request a physical prepaid card, double ugh
- 5. Peer-to-peer money transfer apps
- 6. Riot Platforms Inc.
- You’ll only fly Frontier once or twice per year
- Owner-builder loan
- Qualifications
- Conventional mortgages: As low as 3% down payment
- Pros and cons of financing a swimming pool with a home equity loan
- 2. Choose a business name
- 4-star plans
- 3. Take notes and pictures
- Get quotes from dealers
- You have a lifelong dependent, such as a child with a disability
- 92% of loyal customers ranked price and value for the top reason why they stay loyal to brands
- Ownership and management team
- Pet loans
- Earning rates
- Southwest flights to Central America
- Personal loans
- 2. Choose an investment account
- Costs that are not included in DTI
- There’s no competition
- Stock (equity) funds
- 4. Cash out your 401(k)
- Reward and redemption simplicity
- Pros
- Our pick for: Intro APR + high rewards on everyday spending
- 3. Marriott Bonvoy Brilliant® American Express® Card
- Best insurance company overall: Travelers
- 4. Taco Bell
- Personal loans
- How to dispute a medical bill on your reports
- 5. There’s a less expensive — yet comparable — option
- Live customer service with high availability
- 3. Learn to use AI tools
- ETF cons
- Estimate your potential refinancing savings
- 3. Earn your cardmember anniversary bonus
- Services that charge renters
- 1. States with no income tax
- Blue Cash Everyday® Card from American Express
- Bitcoin pros
- Bring a bigger down payment to the table
- Improve your chance of loan approval
- Managing multiple billing cycles
- PenFed: Best for a seamless application process
- Is rental car coverage primary or secondary?
- Documentation
- Decentralized exchanges: Competitive prices, but more complex
- 2. You must have owned the home for at least two years
- Mental health conditions
- How to avoid it
- 4. Be smart about how you ask
- 3. Trim the guest list
- 1. Start small
- Establishing domicile
- Where Ledger shines
- 2. Verify their credentials
- Cons of tech stocks
- 2. Take a cut with affiliate marketing
- 1. Make sure you’re eligible to get an EIN online
- Figure out where you are and what you value
- Student loans
- Safety concerns, removal and return of Sam Altman
- 3. ARIA
- How much coverage should you buy?
- What fees do Chase checking accounts have?
- Airport lounge access
- Craigslist, Facebook Marketplace, Nextdoor, OfferUp
- The percentage method
- Mortgage insurance
- Fees
- Bond ETFs
- Best for
- 3. Motel 6
- Disney flights
- 3. Shared bathrooms and showers could facilitate the spread of germs
- Buying a put example
- Robo-advisors
- 7. Get roadside assistance
- Additional financing
- 2. Score sponsorships
- The Ritz-Carlton Maldives, Fari Islands
- Cons:
- Is the American Opportunity Tax Credit refundable?
- 5. A $50 hotel credit
- Equity vs. debt
- Royal Caribbean and Celebrity
- 1. Book a Hyatt room on a club floor
- 2. Points are easy to earn
- 9. Cold Stone Creamery
- Benefits of investing in bonds
- Accor
- Cities with the top five annual rent price declines or smallest increases:
- Whole Foods deals
- Step 2: Choose your market
- CalHFA Zero Interest Program
- Part-year resident status rules
- Vio Bank: Best money market account
- Take shorter showers
- Average 401(k) match
- Lengthen the repayment term
- 5. Arrive early
- Whole life insurance offers guaranteed returns
- Pearl
- Determine if the car is selling for a fair price
- 1. Examine your revenue
- Medicare Part A
- 3. Swagbucks
- Small-cap companies: $250 million to $2 billion
- Target Circle™ Credit Card
- Popular Category 4 hotels
- 4. Your credit score needs to be strong
- Deductibles
- Hilton Garden Inn
- Step 3: Buy the gold ETF
- 3. Pentagon Federal Credit Union (PenFed) Rewards
- Goodbudget
- 4. Pet sitting or dog walker
- Minimize expense ratios
- If you are converting your 401(k) to an IRA
- Step 5: Sign and date your W-4
- Other fuel cards to consider
- Do tipped workers earn the minimum wage?
- 4. Personal trainers
- Reasons for unfreezing your credit
- Bonus categories
- APR ranges for credit union lenders
- 3. Choose your investments based on your risk tolerance
- Millennium cabin types
- Zengo Wallet: 4.8 out of 5 stars
- Fly within South American countries
- How this calculator works
- Check your plan's rules for 401(k) loans
- 4. Watch for scams
- Sales tax license
- 1. Derivatives
- 3. To keep miles from expiring
- 2. Getaround
- 7. Earned income tax credit
- 1. LIFELOCK ULTIMATE PLUS
- Stay on-site
- 5. Teach others a skill
- Choosing corporate tax status for your LLC
- EITC 2024
- 5. Meet new people
- Owing a prepayment penalty
- Alaska Airlines
- Wants
- Gas bill
- 1. Making money
- Allow up to 50% of your income for needs
- 4. Max out your retirement accounts
- Hotels in Hawaii
- Integrated device manufacturers (IDMs)
- Will use the other perks
- Account growth is tax-free
- Log into your Southwest account to change flight
- How long will it take to pre-qualify?
- 3. Cash management accounts
- Be upfront, honest and specific
- Cost of countrywide Japan rail pass
- Silver membership
- Personal property coverage
- 1. You'll share responsibility for paying
- Intuit TurboTax
- 5. $300 a year in travel credit
- Step 4: Obtain an EIN, insurance, permits, and licenses
- Certain beneficiaries, plus some investors
- Cash back in customized spending categories
- Dispose of the expired card
- 6. Wallet software
- 7. Advanced Micro Devices Inc.
- You're competing against other buyers
- 4. Personal business loans
- Learn more about Zelle
- 9,000 Avios each way
- FHA loans: As low as 3.5% down payment
- Home equity lines of credit
- Home supply is still limited
- Financing and banking
- Seat selection
- Book Emirates business class from Dubai to Asia
- 4. Optimize your website and use CTAs
- 69% of consumers say choice of retailer is influenced by where they can earn customer loyalty/rewards program points
- Company history
- Significant racial differences in telehealth use
- Win a gig and get to work
- Winner: Hyatt
- Con: You’ll likely pay much more than you get
- Cons
- How to share coupons
- Fewest complaints: Progressive
- Investing in prohibited industries
- 5. Business property rent
- If you’re traveling for an emergency
- 4. Up to $200 in annual credit for airline incidental fees
- Example interest checking APYs at select institutions
- Ages 35 to 44
- Medicaid
- 4. Transfer credit card points to Wyndham
- More than a year
- Rewards on everyday spending
- 2. Buy 10 times your income, plus $100,000 per child for college expenses
- 6. Where you'll use the annual free night
- Bank of America® Customized Cash Rewards credit card
- Bring documents showing financial stability
- Where Trust Wallet falls short
- Timing credit applications with big future purchases
- How do I make sure coverage applies to my rental?
- Where to get auto insurance quotes
- Upgradability
- 4. Consider a backdoor Roth IRA
- Appraisals
- Frontier Airlines
- 3. You must have lived in the house for at least two years in the five-year period before you sold it
- What factors affect the amount you can borrow
- 4. Seek an off-peak season
- 2. eBay's free — up to a point
- Gold streaming companies
- Scheduled personal property coverage
- The penalty is steep if you don’t pay off the balance quickly enough
- What buyers and sellers should ask real estate agents
- Bid and ask
- Pros
- 2. Calculate the car loan amount you can afford
- 2. Choose between the IVV, VOO or SPY ETF
- 5. Pre-qualify with a soft credit pull
- Stock mutual funds = higher potential returns (or losses)
- File a complaint with your state insurance department
- 2. Explain what your company does
- 2. Target undervalued sectors
- Bank of America
- Does Chase have a free checking account?
- Lower risk
- LendingTree Spring
- Home equity loan
- Crashes and car theft
- Unique perks of flying Frontier
- Potential drawback
- It can give you a better track record
- Size of the AC system
- CarGurus details and FAQs
- Consider the annual fee
- Wait for the mail to arrive, sigh
- Personal loan calculator
- 8. Save on food delivery with DoorDash and statement credits
- The federal student loan servicers
- 4. Select a provider to open your Roth IRA
- 6. Combine points from multiple cards
- Resources
- Earn cash (or pennies) back with rewards apps, in time
- Step 3: Weigh the pros and cons of paying to upgrade your seat
- Escape Lounges
- Local animal welfare organizations
- 6. In-flight purchase discounts
- Free games
- Southwest flights to the Caribbean
- Cost
- 3. Consider buying the dip
- Doubt
- Value funds
- Replace your showerhead
- 5. Leave room for surprises
- Tap into equity
- Cash value policies can make it easier to get a loan
- Plan G
- How to maximize your rewards
- Medicare Part B
- Lack of transparency
- Cheap car insurance after a speeding ticket
- 1. Robo-advisors
- 5. Lawn care business
- You travel often and need the perks
- 1. Locking up savings for a near-future purchase
- Credit score for FHA loans
- Bitcoin cons
- 4. Pay your bill before your issuer reports to the credit bureaus
- Calculate whether you can afford loan payments
- How to get approved for a private student loan
- 8. Charitable donation deduction
- Take out a debt consolidation loan
- Brokerage fee
- 5. You may be able to switch airlines
- Preventing better use of your money
- 1. Cash dividends
- Decide how much effort you’re willing to devote
- 8. Create an airport-centric app
- 3. Bonds and bond index funds
- Simpler
- Withdrawals are tax-free
- Our pick for: No credit check at all
- Travel perks at no cost
- Common size income statement example
- International ETFs
- Does home insurance cover damage caused by your neighbor’s tree?
- 2023 credit card bonus categories
- Pay with a credit card that doesn’t charge foreign transaction fees
- 6. TSA PreCheck/Global Entry/NEXUS credit
- 5. Research first-time home buyer assistance programs
- 4. Maintenance issues become your responsibility
- Activate the new card
- 8. PayPal Holdings Inc.
- Places with the highest median down payments (in dollars)
- 5. Use a military discount
- 5. Friends and family
- Hotel amenities
- FICO score ranges
- Jumbo loans: As low as 5%-10% down payment (varies)
- Capital gains vs. fixed income
- Low Interest Rate Program
- Cheapest minimum coverage car insurance in Florida for 20-year-olds
- Overall economy
- Refinancing with a private lender
- 4. Contact your car rental company
- Fare flexibility/ticket changes
- Choose an offer
- You want to help your family pay estate taxes
- 10. Del Taco
- Risks of investing in bonds
- Book ANA business class from Japan to India
- Auctions
- Freddie Mac FHA Preferred
- Discounted rates
- Mission statement
- Ages 20-24
- Disadvantages of sticking with one bank
- Tactic 2: Use points or miles
- Star Alliance
- Hollywood Studios
- 5. Investigate divorced spouse benefits
- 5. KFC
- Theme park tickets
- 3. Don’t miss out on tax deductions for volunteering
- Our pick for: Online purchases
- The pros
- Hampton by Hilton
- 5. Up to $200 in Uber cash for rides
- Equity REITs
- Step 2: Select your loan or contracting program
- 1. Find a dividend-paying stock
- 5. Book discounted award flights
- How to get a liquor license in Alabama
- Tips for unfreezing your credit
- 2. States with flat income tax rates
- Our pick for: Grocery spending, commuting and streaming service subscriptions
- The lottery annuity option
- Chase Freedom Flex℠
- Where Coinbase Wallet falls short
- 3. Use the DIME formula
- Award tickets
- Consider bringing your own financing
- Navy Federal: Best for military members
- What coverage is included?
- Use Universal Express Passes
- 3. Expedia
- 5. Move the special day
- Your home’s location and characteristics
- Cost (and quality) of living
- Delta Air Lines
- 3. Wells Fargo
- Cons
- 2. Gather the necessary information
- Medical expenses
- 4. Vdara
- Cheapest full coverage car insurance in Texas for 20-year-olds
- Fabless semiconductor designers and GPU makers
- Select your flight
- 3. Fewer business fees
- Hotel elite status
- The actual expense method
- 4. Hyatt Hotels & Resorts
- 2. Your credit could suffer if the relationship changes
- Installation and labor: $75 to $250 per hour
- Juggle expiration dates and terms, OMG are we there yet?
- UCC lien on specific collateral
- Dun & Bradstreet business credit scores
- JW Marriott Orlando, Grande Lakes
- A high-deductible health plan might be right for you if:
- Why it’s the best
- What do I do if I lose my IP PIN?
- Car insurance from a captive agent
- 2. Use Hyatt Milestone Rewards
- Add photos and videos
- 5. Rethink deals and discounts
- There’s no way to find deals
- Balanced funds
- Nonresident status rules
- Wash clothes in warm or cold water
- Step 1: Submit an online application
- Seller concessions
- 6. Get TSA PreCheck or Global Entry membership fees reimbursed
- There’s flexibility with repayments
- Gold
- 3. Pick an investment account
- Easy-to-use travel credit
- 1. Fill out a mortgage application
- 2. Subtract fixed costs
- Medicare Part D
- 4. Marriott Bonvoy Boundless® Credit Card
- Giving to charity
- 5. You could potentially earn $1,400 a year in statement credits — if you use them
- 6. Auto expenses
- 0% intro period + travel rewards
- Bluevine
- British Airways Avios
- State Departments of Agriculture
- What does Medigap not cover?
- 4. Confirm details and send transfer
- IHG One Rewards Premier Credit Card
- 4. Buy stocks using the right order type for you
- Solid point values
- Home equity lines of credit pros and cons
- 5. Watch for burnout symptoms
- What Trust Wallet is best for
- Air Canada
- 9. Medical expenses deduction
- Costs and fees to keep in mind
- 4. You cannot have claimed the home sale capital gains exclusion recently
- 1. Get a brokerage account
- Tax credits for people with kids
- How to avoid it
- A lawsuit
- 6. Learn more about yourself
- 2. Stock dividends
- Balance transfers often come with a fee
- Volume, average volume and day’s range
- 5. Trade stocks
- Roll the dice with an upgrade hack
- Savings and debt repayment
- 3. Decide how you'll invest in the SPY ETF
- 9. Become a destination wedding planner
- 6. Apply with a hard credit pull
- Average rates from the biggest auto insurers after an at-fault crash
- 3. Describe your ideal customer
- Your employer can contribute
- 3. Do your research
- What is the Chase checking account minimum balance requirement?
- Cheapest full coverage car insurance in California for 20-year-olds
- A decent base rate on all purchases
- Gold membership
- It gives you more room on credit cards
- 2022 credit card bonus categories
- 7. Extra points on Lyft rides
- Understand the value of the welcome bonus
- Step 5: Find suppliers and contractors
- Traditional, in-person financial planners
- 9. Save on Lyft rides
- 4. Check out dividend-paying stocks
- Gift tax exclusion
- Bonus cash back in rotating categories
- 9. CME Group Inc.
- Places with the lowest median down payments (in dollars)
- Humana Medicare Part D
- 6. Self-funding
- 7. Transfer points to airline and hotel partners
- Transfer to airlines
- Drive for Uber or Lyft
- Leverage
- Inflation
- 3. Points are easy to use
- Baggage and seat selection
- Aspire Lounge
- 11. Denny’s
- Boarding passes
- Other potential factors
- 7. Travel protections
- GET MORE MILES, MORE BENEFITS WITH A DELTA CARD
- Prime Day and Prime Early Access
- Step 3: Find a specialty — and stick to it
- 1. Find a dividend-paying stock
- Emirates Skywards Premium World Elite Mastercard®
- Experience level
- Sell to an online used car retailer
- Term life insurance rates for nonsmokers
- 6. Automate responsibly
- Get rid of FHA mortgage insurance
- Equity REITs
- Winner: Hilton, slightly
- Meet in a public place
- Plan N
- 1. Credit card issuers make financial hardship plans available to anyone struggling to make payments.
- Best suited for midsize and large businesses
- Our pick for: Flexibility
- Privacy
- 6. Up to $200 in annual hotel credit
- Health care FSA
- Mortgage REITs
- Finding a listing in your price range can be tough
- How to get Turkish Miles&Smiles
- Price
- 6. Housecleaning
- 5. Newborn and post-pregnancy services
- 3. States with progressive tax structures
- 2. Keeping some savings at a distance
- 3. Tap your home equity for a loan or line of credit
- How it works
- 7. How to protect your purchases and travel
- Understanding your results
- Learn what happens if you leave your job
- 4. Consider extra coverage
- Bank of America® Premium Rewards® credit card
- What isn't covered?
- 5. Craft an investment strategy
- 4. If there’s a great bonus on purchased miles
- How can I qualify to borrow more?
- Should you invest in retail stocks in 2023?
- How to plan your inground pool installation
- Fly bags for free with elite status
- Where Ledger falls short
- Find preapproved auto loans
- Leave 30% of your income for wants
- Compare manual and digital budgeting options
- Hotels in the Bahamas
- How we picked the airlines to evaluate
- Carry a balance or incur late fees
- Poshmark
- Chase Sapphire Preferred® Card
- The aggregate method
- Expensify
- HELOC
- Damage you do to others
- 4. Certificates of deposit (CDs)
- Consider combining rail passes
- Bitcoin or crypto ETFs
- Does homeowners insurance cover tree damage to your neighbor’s property?
- 3. Citi Premier® Card
- Update credit card information for bills
- How do I access a HELOC?
- A low- or no-deductible health plan might be right for you if:
- Lower fares than everyone else (six per reservation)
- You don't want to be at the mercy of an appraisal
- 6. Check your bag at the gate
- Tax status
- Construction loans to build a house
- How the Lifetime Learning Credit works
- VantageScore ranges
- Pros and cons of financing a swimming pool with a HELOC
- Public Service Loan Forgiveness
- Volatility
- Book United economy class from U.S. mainland to the Caribbean
- Product/service and customer
- Adjust the temperature on your water heater
- Primary rental car insurance
- Highest customer satisfaction: State Farm
- Before delaying
- 4. Fiverr
- Most-redeemed Category 5 hotels
- Andover Companies: Best coverage
- 4. Keep the deadline in mind
- Step 3: Fill in personal and business information
- 2. Pick which options to buy or sell
- How to get a liquor license in Alaska
- Ages 45 to 54
- Medicare
- 5. Stay at Wyndham hotels
- Metropolitan dining room
- What Coinbase Wallet is best for
- Fly off-peak to Europe in economy on American Airlines
- Employer identification number
- Your credit utilization
- Fare flexibility/ticket changes
- 10. Deduction for state and local taxes
- 5. You cannot have bought the house through a like-kind exchange
- Borrow from your 401(k)
- 2. Research
- 3. It helps to have a niche
- 3. Dividend reinvestment programs (DRIPs)
- Transferring a large balance can lower your credit score
- Co-branded credit cards
- Beta
- 3. Make sure they’re a good fit
- 3. Land a brand deal and make sponsored content
- Revocable life insurance trusts
- 5. Optimize for tax implications
- 10. Make local guides
- Bond mutual funds = lower returns (but lower risk)
- Semiconductor foundries
- Do workers get paid while on strike?
- What is the Chase direct deposit requirement for checking accounts?
- Search for a new flight (or new ticket on the same flight)
- Choose cars that hold their value
- 5. Hampton by Hilton
- It can create credit diversity
- 2021 credit card bonus categories
- 8. DoorDash discounts
- Consider your spending and flying habits
- Part I: Income or Loss from Rental Real Estate and Royalties
- Blanket lien
- Estate tax exclusion
- Hot wallet
- 7. Venture capital
- Can I file my taxes without an IP PIN?
- You want to diversify your investment portfolio
- 12. Edible Arrangements
- Drinks onboard the aircraft
- Luxury programs
- Route network
- Chubb
- Blended funds
- Term life insurance rates for smokers
- Is it better to get a second mortgage or refinance?
- Switch from an adjustable- to a fixed-rate loan
- Mortgage REITs
- Better cash back redemption value
- SkyTeam
- Do a visual inspection
- ARM caps
- More about investment fees
- 6. Add your minor child
- Micro- and mega-cap companies
- 6. McDonald’s
- Accommodations
- 7. Rent and depreciation on equipment and machinery
- 4. Take surveys for money
- 7. Up to $300 Equinox credit
- Aer Lingus
- 4. Barclays rewards
- 5. Track your transfer’s progress
- 1099-A
- 7. Housesitting
- Know when to outsource
- 2. Evaluate the stock
- 3. Ensuring returns without market risk
- The cash option
- Chase Freedom Unlimited®
- Guarda: 4.6 out of 5 stars
- Free online tax filing software compared
- 4. Replace your income, plus add a cushion
- 5. Monitor your total credit utilization
- Consider alternatives
- Trust Wallet at a glance
- What vehicle rentals are excluded?
- Pros
- 3. Car Shair
- Hilton Honors
- 2. IDSHIELD
- 6. Find local gigs through Nextdoor
- Conventional loans
- Your community
- Lowering your credit score
- Other student loan calculators
- Blue Cash Preferred® Card from American Express and Wells Fargo Active Cash® Card
- Pros of gold stocks
- Southwest Airlines
- Investing in individual tech stocks
- 3. Submit your application and wait
- 3. Investment accounts for kids
- 4. Real estate investment trusts (REITs)
- You don't want to risk sold-out cars
- Consider mediation
- Deductibles, limits and payouts
- When 2% cash back isn’t quite 2%
- 4. Straightforward banking
- Ruby Lane
- Mortgage rates
- Best for
- Loss of use coverage
- 3. You'll have fewer options
- Seasonal Energy Efficiency Ratio (SEER) Rating
- 6. Compare mortgage rates and fees
- Step 6: Assemble a team
- 10. Rest easy with purchase protections
- How much does a HELOC cost?
- Equifax business credit scores
- Courtyard Chicago Deerfield
- How to avoid Spirit Airlines change fees
- Sign up for Amazon Associates
- 8. Worldwide acceptance
- Cash-out refinancing
- Home prices keep climbing
- Cheapest auto insurance in Florida for 20-year-olds with poor credit
- Job growth
- What else should I know about Roth 401(k) taxes?
- 4. You can exchange points for airline miles
- Complete your listing details
- 5. Contact your own insurance company about the rental car accident
- Private party
- Lufthansa Lounges
- High PE ratio
- 6. Learn search engine optimization
- Free unlimited photo storage with Amazon Photos
- Step 4: Plan the business budget
- Purchase energy-efficient appliances
- Ages 25-34
- Whole life insurance is expensive
- Platinum
- Discounts
- Magic Kingdom
- 2. Promote your business
- 2. Moving credit card debt to a card with a lower interest rate or a 0% interest rate will always save money in the long run.
- Cheap auto insurance after an accident
- Hilton Garden Inn
- 3. Source your suppliers
- Cruising further from the U.S.
- Dependent care FSA
- Hybrid REITs
- Your money management style
- 6. Earn a companion certificate
- Market orders
- Digital emphasis
- Which is better when?
- 8. There's a small-business version of the card now
- 5. Get a quote
- Bank of America® Unlimited Cash Rewards credit card
- 11. Mortgage interest deduction
- 6. You cannot be subject to expatriate tax
- Become a social media influencer
- Stock trading fee
- Income modeling
- 6. Check your credit card for trip delay insurance
- 7. Work up the courage to take calculated risks
- 4. Special dividends
- EPS (TTM) and earnings date
- Earn by spending on credit cards
- 3. Set a target purchase price
- 7. Make on-time payments to build credit
- 5. Mandalay Bay
- Cheapest minimum coverage car insurance in Texas for 20-year-olds
- How we chose the winner
- Be wary of co-branded gas cards
- Don’t spend at least $300 a year on travel
- 4. Explore emerging industries
- Rental car elite status
- Injuries to you
- Check leasing specials
- The simplified version
- Key terms in this story
- Platinum membership
- What if a tree lands on your car?
- 2020 credit card bonus categories
- 5. Explore new industries
- HSAs and FSAs
- 3. Tap TikTok’s ‘Creativity Program Beta’
- You find it hard or impossible to get a mortgage
- 7. Pack light
- Who can claim the Lifetime Learning Credit?
- What other ways can I protect my identity?
- Down Payment Assistance Loans
- Lounge access
- Oneworld alliance elite status
- 13. Firehouse Subs
- First Loan FHA/VA/RD program
- Future goals
- 8. Anniversary bonus
- 4. Think about getting a second opinion
- 2. Evaluate the stock
- Location
- Sell to a traditional car dealership
- Bond (fixed-income) funds
- Step 2: Pass the interview
- 7. Revisit your budget monthly
- Cheapest life insurance companies for smokers in fair health
- 7. Take advantage of credit card free night certificates
- 2. Review your Loan Estimates
- Test drive the car
- 3. Subtract variable expenses
- Our pick for: Everyday spending
- Taking on excessive risk, speculation and debt
- Best insurance company for affordability: NJM
- Paycom: Also good for larger businesses
- The cons
- 8. $300 SoulCycle credit
- OnDeck
- Air France-KLM Flying Blue
- 2. Online financial planning services
- Sustainable Agriculture Research and Education (SARE) Grants
- You may still have to clean up after yourself
- 1099-B
- 8. Errand-running
- You are a budget-conscious traveler
- How to get a liquor license in Arizona
- Ages 55 to 64
- 6. Enrichment activities for children
- Average online personal loan rates over time
- SBA microloans
- Coinbase Wallet at a glance
- Where to get it
- Debt-to-income ratio
- Your payment history
- How long will the rental be covered?
- Seat selection
- Cash-out refinance
- 3. Compare ETFs
- 7. Freelance
- How to avoid it
- 4. Capital One Travel
- 4. You can’t get away with amateur photos
- Alaska
- Cons of gold stocks
- Spend on airline credit cards with built-in baggage perks
- Jewelry warranties
- 4. Review their fees
- Complicated spouses
- 11. Create a local grocery delivery service
- Money market mutual funds = lowest returns, lowest risk
- Outsourced assembly and testing (OSAT)
- 4. Define your core values
- You must have a high-deductible health plan
- Cheapest minimum coverage car insurance in California for 20-year-olds
- Rocket Money
- Common size balance sheet example
- Sector ETFs
- Potential drawback
- 6. InterContinental Hotels Group or IHG
- 9. No foreign transaction fees
- Our pick for: Current users
- Buying a put vs. shorting example
- Online financial planning services
- 5. Gather your paperwork
- Why it’s the best
- Renovation loans to buy and repair fixer-uppers
- 8. Angel investors
- Tiers
- What is the Global Entry interview like?
- Hawaiian Airlines-JetBlue partnership
- Pay bills on time
- Requirements
- Learn how to become:
- 3. Write your business plan
- Inverse performance
- Other economic indicators
- 2. Find the right location for your vending machine
- Online marketplaces
- Perkins loans
- Check out state income tax rates
- Amazon Elements
- UBS Visa Infinite Card
- Ask about discounted rates
- Hybrid REITs
- Why you might roll a 401(k) into an IRA
- Most coverage options: Allstate
- 1. Understand the difference between active and passive funds
- 5. Southwest Rapid Rewards® Plus Credit Card
- Debt management plan
- 8. Office supplies
- Certain repositioning cruises
- FSA balances will expire
- Additional standard deduction 2023 (taxes due 2024)
- Bonus features
- 3. Decide how much stock you want to buy
- Medicaid
- Book one to three months in advance
- The Oceanview Café
- Full details about Trust Wallet's ratings
- “Doing business as” registration
- 6. Know your limits
- 12. Gambling loss deduction
- Tap your home equity
- Financial reviews
- 8. Focus on your surroundings
- Your coverage and deductibles
- 5. Preferred dividends
- Methodology
- 4. U.S. Bank
- Ex-dividend date
- Irrevocable life insurance trusts (ILITs)
- 4. Decide where to buy the SPY ETF
- What if you can’t pay your bills?
- Commit 20% of your income to savings and debt paydown
- 6. Invest for more than retirement
- How long do strikes usually last?
- Have problems justifying the costs beyond the travel credit
- Make Money
- Etsy
- Schedule 1: Additional income and adjustments to income
- Our pick for: Beginner-friendly features
- Price the car
- 5. Treasury notes, bills and bonds
- 2019 credit card bonus categories
- Try paying in cash dollars
- Cold wallet
- Compare car insurance rates for 35-year-olds
- 11,000 Avios each way
- Do you get a new IP PIN every year?
- 5. If you have high-tier Marriott status, you get free United Airlines Premier Silver Status
- Earning rates
- Plaza Premium Airport Lounges
- 14. IHop
- Pros of a personal line of credit
- The Hartford
- Money market funds
- Whole life insurance rates for nonsmokers
- What is the Buffett indicator?
- Annual grocery spend is less than $6,000
- A (nearly) 2-year break from interest if you meet the terms
- 7. Suspend your benefit
- 3. If you want to switch to a different card from the same company — for example, to get a lower annual fee or better rewards — you must ask the company to close your original account and open a new one.
- 7. Dunkin’
- 9. Up to $240 in digital entertainment credit
- Publicly-traded REITs
- Step 4: Add your assets and calculate their total value
- 9. Seasonal chores
- Average bank personal loan rates over time
- 6. Earn Wyndham points at Caesars casinos
- Exodus: 4.5 out of 5 stars
- Custodial wallet
- 2. Digital assets
- Your credit age
- What if I don’t have personal auto insurance?
- Baggage and boarding
- Cons
- On-platform storage: Easy to use, with some risks
- Opt for the single-rider line
- 5. The more detail, the better
- Citi Premier® Card and Citi Custom Cash® Card
- Bask Bank
- What Ledger is best for
- How to contact New York Life
- 4. Sell some merch
- You can use credit card benefits to travel in basic economy
- 12. Start a virtual event planning company
- You might be able to reserve a car now — and rebook the same one later at a discount
- Hawaii weather and terrain
- Semiconductor distributors
- Allstate
- 5. Simplified business ownership
- What do I need for my loan application?
- How much dwelling coverage do I have?
- Limited number of airlines
- How to protect your home from tree damage
- 1. Examine your cooling needs
- 10. Airport lounge access
- Determine if you can meet the welcome bonus spend requirements
- 11. Enjoy VIP experiences
- Earned Income tax credit
- 4. Capital One Venture X Rewards Credit Card
- Experian business credit scores
- Free airfare for kids on some flights
- Aetna Medicare Part D
- 9. Small-business grants
- 9. Coverage if your trip is canceled or delayed
- Keep credit utilization below 30%
- 3. Secure funding
- Car insurance from an independent agent or broker
- Federal Reserve
- HEAL loans
- TAP Air Portugal earnings rates
- 7. Create and publish top-notch content
- Learn about free filing options
- 9. Discounted companion ticket
- Amazon Family
- Cabins
- 3. Decide how much stock you want to buy
- 3. Learn the difference between investing in stocks and funds
- Noir
- Have the car inspected by a mechanic
- Capital One® Walmart Rewards™ Mastercard®
- Bankruptcy
- Paychex: A solid option for small or midsize companies
- Hampton by Hilton
- 1. Decide on an account type
- Emirates Skywards
- 5. American Express Membership Rewards
- You're going to get "graded" as a guest
- Additional standard deduction 2024 (taxes due 2025)
- Account linking
- 1099-C
- Ages 65 to 74
- 2023 tax rates by state
- 4. Determine the best asset allocation for you
- 1. Use a CD ladder
- Citi Custom Cash® Card
- Full details about Coinbase Wallet's ratings
- Fly Qatar Airways’ luxurious Qsuite to Africa
- Same-day flight switch
- 13. IRA contributions deduction
- 4. Make the trade
- 8. Tutor your peers
- Tips for reducing the cost of an inground pool
- 6. Dividend funds
- Florida
- American Airlines
- 1-year target estimate
- Investing in tech funds
- The last resort: File a lawsuit
- How we assigned star ratings
- Cell phone insurance
- Book your ticket and pay/get credited the difference
- Statement credits
- U.S. Bank Altitude™ Reserve Visa Infinite® Card
- Your stolen stuff
- Loan limits
- Get quotes from dealers
- Leveraged ETFs
- Liability coverage
- 2018 credit card bonus categories
- 7. Gather your loan paperwork
- Purchasing a Plumeria Lounge day pass
- You'll come out ahead by investing the money
- Low-down-payment mortgages
- What’s included
- After you're approved for Global Entry
- Pros and cons of cash-out refinancing for a swimming pool
- Pros of mailing a credit dispute letter
- 1. Through Hyatt hotel stays and purchases
- 6. Find out who's responsible for paying what in a claim
- The premiums are expensive
- 15. Melting Pot
- Fare flexibility/ticket changes
- 5. Focus on the long term
- Demographics
- Whole life insurance rates for smokers
- Ages 35-44
- 8. Book hotel rooms on points
- Cash value takes a long time to build
- Publicly-traded REITs
- Lower annual fee
- 5. Upwork
- 9. Office furniture
- 5. Make money from your blog with affiliate links
- Predictability
- 4. Price your product
- 10. $189 Clear credit
- 10. Selling handmade crafts
- You are strategic with rewards
- Example CD APYs at select institutions
- 7. Take advantage of no change fees on eligible fares
- How to get a liquor license in Arkansas
- 7. Mobile apps and entertainment for children
- Average credit union personal loan rates over time
- SBA disaster loans
- 4. Borrow from your 401(k)
- Home occupation permit
- How does coverage vary for international rentals?
- Home equity sharing agreement
- World of Hyatt
- Government-backed loans
- 9. Save money on certain extras
- Make a lump sum payment
- 1. Think long term versus short term
- Jewelry service plans
- Bilt
- 2. Managing money
- 5. Money market funds
- Cheapest auto insurance in Texas for 20-year-olds with poor credit
- Joint ventures vs. partnerships
- What’s covered and what’s not
- Eureka
- Schedule 2: Additional taxes
- 1. Review your W-4
- 7. Sheraton
- 2. Time it right
- Predict your annual spend in bonus categories
- Part II: Income or Loss From Partnerships and S Corporations
- Deliver packages with Amazon Flex
- Using some or all of your PTC to help pay premiums
- 10. Crowdfunding
- 10. Baggage delay insurance
- Keep credit accounts open
- Competition remains steady
- 4. Register your business in Arizona
- Cheapest auto insurance in Florida for 20-year-olds with one speeding ticket
- Step 4: Check to make sure your seat selection is OK
- 6. You can give yourself a ‘points advance’
- International American Express Lounges
- Limited schedule
- The missing piece: Long-term care
- Plan G vs. Plan N
- Find tax software that works for your situation
- Step 3: Review their franchise agreement
- 61% fewer complaints than average
- How to maximize your rewards
- 4. Set aside a contingency fund for unexpected costs
- Government bonds
- 2. Decide where you want to have an impact
- 4. Credit card issuers waive late fees.
- Debt settlement
- Flights
- Public non-traded REITs
- 2. Choose the right broker
- Etihad Guest
- 1099-CAP
- Medicare
- Resident status rules
- 7. Host an event at a Wyndham property
- 2. Open a no-penalty CD
- Other free dining venues
- Down payments and gift funds
- Short domestic flights in the U.S.
- 14. 401(k) contributions deduction
- 3. IDENTITYFORCE ULTRASECURE+CREDIT
- Individual gold stocks
- Moving averages
- Ledger at a glance
- 7. Chat with an advisor
- 13. Sell zero-waste products
- How we verified our data
- 5. Revise and condense your mission statement
- Cheapest auto insurance in California for 20-year-olds with poor credit
- Swappa, Gazelle
- Money Manager
- Common size cash flow statement example
- 2017 credit card bonus categories
- Pros and Cons
- Consider the net value of the card’s welcome bonus
- 1. 'I’ll wait until the stock market is safe to invest.'
- 6. Pick your investments
- Get your finances in order
- How I bonds are taxed
- Contractor financing
- Homes for Veterans Program
- 16. Moe’s Southwest Grill
- 8. Invest in social media
- Forgivable Loan for Down Payment/Closing Costs
- Start with the elevator pitch
- 10. TSA PreCheck or Global Entry application fee credit
- Baggage and boarding
- biBERK
- How much student loan refinancing could save you
- Which is easiest to qualify for?
- Overfunding a policy can be costly
- Why you might not want to roll a 401(k) to an IRA
- Where Adyen stands out
- Oneworld
- How to maximize your rewards
- 8. Use a do-over
- 6. United℠ Explorer Card
- 1. Stocks
- Eligible properties
- 8. Pizza Hut
- Cheapest car insurance after a DUI
- 11. Reimbursement of application fees for TSA Precheck or Global Entry
- 1. Avoid filing your tax return on paper
- In case of medical emergencies
- Fundbox
- Winner: Virgin Atlantic
- How to get ANA Mileage Club miles
- Security
- 11. Making greeting cards
- Fleet expense management tools
- 3. Predict the option strike price
- Limit orders
- Capital One SavorOne Cash Rewards Credit Card
- Coinbase Wallet: 4.4 out of 5 stars
- Earnings rates
- Watch the calendar
- Marriott Bonvoy
- Noncustodial wallets: More effort, more security
- Mutual fund transaction fee
- 9. Take surveys
- How to avoid it
- Reduce your flood risk
- 2. Look into tax-loss harvesting
- 6. You’ve got to price it right
- Nevada
- United Airlines
- 5. Citibank
- 5. Do a final check
- Convert other programs’ points to Mileage Bank miles
- 5. Offer memberships
- View the reconcile summary
- Set the lease terms
- 3. Look for equipment rebates and tax credits
- 11. Luxury hotel benefits
- Get elite status and lounge access
- 4. Use gifting
- Take on tasks with Amazon’s Mechanical Turk
- 11. Business credit cards
- Is the Lifetime Learning Credit refundable?
- 11. Rental car coverage
- Space out credit applications
- Risk
- Cons of mailing a credit dispute letter
- Taxes
- 2. Through credit card spending
- Complete your inventory and pricing
- Fare flexibility/ticket changes
- Parent PLUS loans
- How to get an extension
- Partner airlines
- 1. Dividend payments
- Switch to LED lighting
- Ages 45-54
- Appraisal fee
- Is the Buffett indicator high or low right now?
- Public non-traded REITs
- 4. Open your account
- A free checked bags for up to 9 people
- 3. Loan processing takes over
- Most tech-friendly: Geico
- 6. You can add different types of authorized users
- Chubb: Best for high-value homes
- 10. Software subscription
- Cash back sign-up bonus
- Iberia Plus Avios
- 3. Traditional, in-person financial advisors
- The FruitGuys Community Fund
- 6. Capital One Rewards
- 1099-DIV
- How to get a liquor license in California
- 8. Shared accessories and attire
- Medicaid
- 8. Book car rentals with Budget
- Set a price alert
- 3. Try a bump-up CD
- How it works
- What is the procedure for filing a claim?
- Personal loan
- Which credit cards to use for primary coverage
- Tax credits for low-to-middle-income households
- Make biweekly payments
- SimplyMiles
- Perks await when you fly economy with elite status
- 14. Make products for pets
- Weather in the Bahamas
- Inexpensive
- InboxDollars Surveys
- Schedule 3: Additional credits and payments
- Property standards
- How are my belongings covered?
- 1. Automate transfers
- 8. W Hotels Worldwide
- 2016 credit card bonus categories
- 8. Get a preapproval letter
- Down payment assistance programs
- Getting your entire PTC at tax time
- Shop around for lenders
- What happens if you are declined?
- 7. Stay for five, pay for four
- The cash value is slow to grow
- 17. P.F. Chang’s
- Airline partner earning rates
- Low PE ratio
- Most popular
- Cons of a personal line of credit
- 9. Travel during the offseason
- Infinite banking is complicated
- Where Stripe stands out
- Streaming perks
- Non-gambling resort goers
- How to maximize your rewards
- 5. Determine your profit
- 3. Sell your castoffs
- 5. Credit card issuers allow you to ask for a lower interest rate.
- 12. Up to $100 in statement credits annually at Saks Fifth Avenue
- 2. Get direct deposit
- Progressive vs. State Farm home insurance
- 12. Art teacher
- 8. Veterans and their families can save 10% on airfare
- Set cash aside
- 15. Saver’s credit
- 10. Relax your mind
- 7. It’s not over when the item sells
- Dividend per share (DPS)
- New Hampshire
- Full details about Ledger's ratings
- Double-check your coverage
- Pros of investing in semiconductor stocks
- 2. Make sure your bonus is actually taxable
- Our pick for: Fixed monthly payments
- Close the deal
- Potentially out-of-date award availability
- Seniors that are good drivers
- Countrywide JR Pass
- Best for
- Medical payments coverage
- Step 7: Obtain financing
- 2. 'I’ll buy back in next week when it’s lower.'
- 5. Capital One Venture Rewards Credit Card
- 12. Travel assistance
- JetBlue-Qatar Airways partnership
- Monitor your credit reports
- What does P2P mean?
- Upgrade your booking class
- Plan G vs. Plan F
- Stick to the basics
- Methodology
- Seat selection
- 6. Take advantage where you can
- 2. Capital gains
- Install dimmer switches
- Step 4: Undergo their multi-week training program
- Discount points
- Tactic 3: Use your military benefits
- 3. Consider your existing investments
- 6. Sell your wares on Etsy
- 5. Find your customers
- Private REITs
- 3. Open the account
- Qantas Airways
- Customer support
- How quickly could the IRS implement the child tax credit expansion?
- How to have more taxes taken out of your paycheck
- How to get a liquor license in Colorado
- 9. Book tours and activities
- Rebook if you find a cheaper price
- Restaurants for Aqua Class and Retreat passengers
- Upgradability
- 4. Zipcar
- Chase Ultimate Rewards®
- Visit during the low season
- 10. Search for regular jobs for kids
- Submit an elevation certificate
- 3. Hold the shares inside an IRA, a 401(k) or other tax-advantaged account
- Gold stock ETFs
- Support and resistance
- 15. Create custom clothing
- Cheapest auto insurance in Texas for 20-year-old drivers with one speeding ticket
- Joint ventures vs. franchises
- Transfer partners
- Pro tip: How to figure out the new ticket cost
- AndroMoney
- 2015 credit card bonus categories
- 12. Cardholder hotline
- Stocks
- Stay flexible
- Access to other deals and promotions
- You'll need the cash for other things
- Cigna Medicare Part D
- I bond tax benefits
- Pros and cons of using contractor financing for a swimming pool
- Cheapest auto insurance in Florida for 20-year-olds with one at-fault crash
- 18. Pinkberry
- Other general-purpose travel card reviews
- 9. Begin a business newsletter
- 11. Airline credits
- Hiscox
- No-exam life insurance rates for nonsmokers
- Solar panel incentives by state
- Ages 55-64
- 4. The underwriter makes a decision based on your documentation
- 75% for member benefits
- How to maximize your rewards
- Our pick for: Flat-rate travel rewards
- 2. Funds
- Popular Category 6 hotels
- 9. Denny’s
- 11. Advertising and marketing
- Appendix: How the math works in our examples
- Pharmacy choice
- Our pick for: Cell phone and internet bill payments
- 13. Walmart+ Monthly Membership Credit
- 3. Stay on top of things
- 1099-G
- Step 5: Add your liabilities and calculate their total value.
- 13. Musician
- Example money market account APYs at select institutions
- Part-year resident status rules
- Our pick for: Utilities, commuting and more
- Blue Cash Preferred® Card from American Express
- FHA appraisal
- 16. Health savings account contributions deduction
- 5. Kiwi
- 11. Build personal confidence
- Pay extra on your monthly car payment
- Dividend yield
- Frontier Airlines
- Convert other points to miles through a 2-step transfer
- 6. High-yield savings accounts
- Credit unions
- Saves you time
- Cons of investing in semiconductor stocks
- Amica
- Google Opinion Rewards
- Cheapest auto insurance in California for 20-year-old drivers with one speeding ticket
- Citi Prestige® Card
- 3. Use tax deductions
- Is there enough liability coverage?
- Potential drawback
- Home equity loan
- How to sell a car to CarGurus CarOffer
- Part III: Income or Loss From Estates and Trusts
- Get prequalified
- 13. Purchase protections
- 13,000 Avios each way
- What is P2P payment?
- Car insurance from specialty agencies
- Set your shipping prices
- Baggage and boarding
- The cash value rate of return can be low
- No interline agreements
- Step 5: Register the business
- Cost
- 3. Net asset value
- Use smart power strips
- Private REITs
- 6. Finalize your business budget
- 6. OfferUp
- 7. Delta SkyMiles® Gold American Express Card
- Best insurance company for accident forgiveness: Geico
- Fora Financial
- Singapore Airlines
- Farm Bureau Ag Innovation Challenge
- 7. Citi ThankYou Points
- 4. Determine the option time frame
- How to get a liquor license in Connecticut
- Trust Wallet: 4.3 out of 5 stars
- Consider using a retirement account
- How to avoid it
- Resident status rules
- South Dakota
- 6. PNC Bank
- 2. Count your coins and bills
- 2014 credit card bonus categories
- 13. Access to unique, cardmember-only events
- 3. 'I’m bored of this stock, so I’m selling.'
- Prepared to put down roots?
- RemodelNY
- 19. Pizza Hut
- Other program partners
- Second Mortgage for Down Payment/Closing Costs
- 6. High-yield savings accounts
- Be passionate
- Earning rates
- No-exam life insurance rates for smokers
- Escrow account funds
- How should investors use the Buffett indicator?
- World of Hyatt members who want to match status
- Ability to earn an extra free night
- Paying with a private-party auto loan
- 4. Earn badges through Live videos
- Our pick for: Daily commuters
- 4. Fund the account
- Progressive vs. Geico home insurance
- How to get Virgin Atlantic Flying Club miles
- User experience
- 1099-INT
- 14. Music lessons
- How to have less taxes taken out of your paycheck
- Benefits
- 9. Download the app for free inflight entertainment
- 5. Rebalance your investment portfolio as needed
- 5. Enter a debt management plan
- Where to get it
- 17. Self-employment expenses deduction
- 4. ID WATCHDOG PREMIUM
- Expense ratios
- 4. Call in a pro
- 8. Be ready for some returns
- Hawaiian Airlines
- 4. Education accounts
- 16. Sell vintage clothing online
- Joint ventures vs. licensing
- Chase premium checking accounts
- 3 disadvantages of sole proprietorship
- 4. Contribute to a tax-advantaged account
- Seniors with an at-fault accident
- Assess your finances
- 9. Choose a real estate agent carefully
- Bonds
- Hire a builder
- 14. Customer service without the wait
- Other airline partners
- Experian
- The risks and rewards of each
- 4. Buy the property
- You can’t control your portfolio
- Compare Medigap plan types
- 10. Create downloadable assets
- 12. Elite status
- Utility-based clean energy incentives
- Step 5: Prepare for your grand opening
- How much can you borrow?
- 10. Explore tourist attractions that don't cost you any money
- 4. Understand your ESG fund’s impact
- 6. You can use a credit card without ever having to pay interest.
- 12. Business entertainment
- Cheapest auto insurance for poor credit
- 4. One more thing to know about your tax refund
- Virgin Atlantic Flying Club
- How to get a liquor license in Delaware
- 9. Shared home improvement equipment
- Be flexible with destination, airport and dates
- Capital One Savor Cash Rewards Credit Card*
- HawaiianMiles (cardmembers only)
- Shop around
- Tennessee
- Privacy
- Swagbucks
- 1Money
- What are the deductibles?
- 5. Sell with TikTok Shop
- Get your fifth night free
- Seat selection
- 20. Red Robin
- 4. Set a budget for your stock market investment
- 5. Choose investments that match your tolerance for risk
- Paying with a personal loan
- How to maximize your rewards
- Corporate bonds
- 3. Sukuks
- 10. Ben & Jerry’s
- Travel rewards sign-up bonus
- 7. Self-publish an e-book
- 6. Get the logistics down
- 14. Access to the American Express Global Lounge Collection at airports
- Reviews
- 15. Farmers market vendor
- Drawbacks
- 10. Browse flights on the low fare calendar
- Where is the best place to exchange currency?
- Nonresident status rules
- 10. Shop online through the Wyndham Rewards shopping portal
- Dollar-cost averaging
- Past years' state tax rates
- 18. Home office deduction
- Tax credits for investing in retirement
- For JAL flights
- 17. Begin niche blogging
- Online lenders
- File an appeal
- Cheapest auto insurance in Texas for 20-year-old drivers with one at-fault crash
- 1. No liability protection
- 1. Choose to DIY or get some help
- Allianz Global Assistance
- 3. Prep for grocery shopping
- Home equity line of credit
- Our pick for: Varo users
- Part IV: Income or Loss From Real Estate Mortgage Investment Conduits (REMICs)
- 6. Marriott Bonvoy Brilliant® American Express® Card
- Get preapproved
- Step 1: Assess award availability
- Cheapest auto insurance in Florida for 20-year-olds after a DUI
- 3. Find your vending machine
- Allstate vs. State Farm home insurance
- Keep it succinct
- Upgradeability
- Pros
- Flood determination and monitoring fees
- Vanguard 500 Index Fund (VFIAX)
- 5. Your loan is cleared to close
- Gap Good Rewards Mastercard® Credit Card
- 5. Help your kid decide what to invest in
- Young Farmer Grant Program
- 8. Bank of America® rewards
- 1099-K
- How to use a W-4 to owe nothing on a tax return
- How to get a liquor license in Florida
- Specialty dining restaurants
- MetaMask: 4.0 out of 5 stars
- 1. Live in the house for at least two years
- Adjust your deductible or coverage limits
- 9. Face issues head on
- Dividend payout ratio
- Texas
- 7. CDs
- Organization
- Individual semiconductor stocks
- Joint ventures vs. mergers or acquisitions
- Cheapest auto insurance in California for 20-year-old drivers with one at-fault crash
- Our pick for: An upgrade path
- Refinancing
- Regional Japan rail passes
- Research hotel franchises
- 10. Narrow down your ideal type of house and neighborhood
- Mutual funds
- How do you get a perfect credit score?
- Create your return and exchange policy
- Earning rates
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- 21. Starbucks
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- 7. Making the minimum payment every month on a credit card would allow you to pay down debt quickly.
- 13. Travel expenses
- 15. Centurion Lounge Complimentary Guest Access
- Progressive vs. Allstate home insurance
- 16. Candle maker
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- 3. Precious metals
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- 7. TD Bank
- Golden crosses and death crosses
- For flights on partner airlines
- 5. Defer your bonus
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- Best for
- Advance premium tax credit pros
- In-ground vs. above-ground pool cost
- How's your job security?
- 5. Secure a gas supplier contract
- 11. Hold unique events or seminars
- Allstate vs. Geico home insurance
- 7. CDs
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- Vanguard Total Stock Market Index Fund (VTSAX)
- No FICO credit history requirement
- American Airlines credit cards
- Delta Airlines credit cards
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- 7. Poshmark
- 5. Build a community
- Country Financial: Best for using an agent
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- How to get a liquor license in Georgia
- Wildfires
- 2. See whether you qualify for an exception
- 11. Monetize your social media accounts
- 10. Use the eBay seller hub
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- U.S. Bank FlexPerks Reserve Visa Signature, U.S. Altitude Reserve Visa Infinite and Crystal® Visa Infinite® Credit Card
- 18. Become an e-book writer
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- Pay fewer points with Cash + Points
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- Publish your listing
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- 22. Wingstop
- Silver benefits on partner flights
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- Have structure
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- How to maximize your rewards
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- Most-redeemed Category 7 hotels
- 11. Edible Arrangements
- Winner: Virgin Atlantic
- 17. Retail arbitrage
- An example of buying a call
- 10. Vacation rentals
- Where can you exchange currency for free?
- Pre-qualify to compare offers
- 20. Solar tax credit
- Washington
- 5. ABLE Accounts
- Property-based passive income ideas
- Auto-Owners
- 2. Harder to get financing and business credit
- Capital One Venture X Rewards Credit Card
- Rental Cover
- Seniors with a speeding ticket
- Potential drawback
- Cash-out refinance
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- 6. Monetize using the Series feature
- Pros
- Advance premium tax credit cons
- Other installation costs to consider
- Loan-origination charges
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- 8. The Platinum Card® from American Express
- 4. Gold and other precious metals
- 8. Credit card issuers allow you to ask for an increase in your credit limit.
- 14. Interest
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- 8. Get advertising revenue from your blog or YouTube channel
- Is an import/export business profitable?
- 16. Upgrade to Marriott Bonvoy Gold Elite status
- Cathay Pacific
- 1099-LTC
- Step 6: Fill in your sources of income and contingent liabilities
- Other details you should know about Trust Wallet
- 3. Keep the receipts for your home improvements
- 12. Get paid to stream on Twitch
- Tax credits for education
- 6. BookWithMatrix
- Southwest® Rapid Rewards® Performance Business Credit Card
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- Semiconductor stock ETFs
- Joint ventures vs. qualified joint ventures
- Match your skills (and finances) to the right hotel franchise
- CarGurus CarOffer details and FAQs
- 14. Purchase protection
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- 23. Red Lobster
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- 11. Get a baseline understanding of typical costs
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- Our pick for: Customizable bonus categories
- Fund-a-Farmer Grants
- 18. Graphic designer
- How to get a liquor license in Hawaii
- 11. Take online surveys with Opinion Rewards Panel
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- Electrum: 2.5 out of 5 stars
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- 21. Energy efficient home improvement tax credit
- Sales load
- 11. Improve your seller profile
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- 3. Building a budget
- 19. Start ghostwriting
- Payday lenders
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- Cheapest auto insurance in California for 20-year-old drivers after a DUI
- Sure
- 4. Minimize restaurant spending
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- Cons
- Are you financially prepared?
- 6. Obtain necessary permits and licenses
- CREDIT CARD RENTAL BENEFITS CAN TAKE YOU FARTHER
- Allstate vs. Farmers home insurance
- 5. Focus on investing for the long-term
- Mortgage insurance or fees for government-backed loans
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- Best insurance company for having few customer complaints: American Family
- How do import/export companies make money?
- 17. Upgrade to Hilton Honors Gold status
- 1099-MISC
- An example of buying a put
- 11. Electronics repair
- Other details you should know about Coinbase Wallet
- Earthquakes
- 4. Collectibles
- More from NerdWallet
- Nationwide vs. Allstate home insurance
- Nonresident status rules
- Wyoming
- Other ways to redeem Mileage Bank miles
- 8. Buy a rental property
- 1. Decide what type of investor you are.
- Self-funding
- Thunderstorms
- 15. Return protection
- Step 8: Source your deal
- Gifting large sums of money to family
- Compare car insurance rates for drivers with a DUI
- Step 2: Transfer points to British Airways Avios
- 5. Separate your personal and business assets
- Cheapest full coverage car insurance in Florida for 30-year-olds
- Gold, Navigator benefits on partner flights
- Write it later
- Step 6: Find and maintain clients
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- SkyTeam
- 5. Real estate
- 12. Cinnabon
- 15. Bad debt
- Choice Hotels
- How to get British Airways Avios
- 19. Technology tutor
- How to get a liquor license in Idaho
- 12. Purchase Wyndham points
- 5. Optimize your stock portfolio
- Is Trust Wallet right for you?
- 22. Electric vehicle tax credit
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- 12. Solicit feedback
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- Our pick for: No security deposit, low annual fee
- Seniors with a DUI
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- 11. Stick to your budget
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- Flooding
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- Other hotel credit cards
- What is an export license?
- 18. Money-saving perks for stays booked through The Hotel Collection
- California earned income tax credit (CalEITC)
- The 10 largest lottery jackpots
- Where to get it
- Flooding
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- T-Mobile customers: Free in-flight text messaging and Wi-Fi on Gogo-enabled flights
- Testing a resistance level
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- 3. It’s harder to sell your business
- Consider a loan
- 16. Extended warranty
- 7. Collect tips from viewers
- Pool maintenance costs
- Severe weather
- 7. Get business insurance
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- 24. American Eagle
- Is the interest paid tax-deductible?
- Pest inspection
- Cryptocurrency cons
- Geico vs. Progressive
- Cheapest car insurance for young drivers
- Hawaiian Airlines Hawaiian Miles
- Brighter Future Fund
- 1099-NEC
- 20. Blogger
- Discover it® Chrome
- Home purchase: Basic Home Mortgage 203(b)
- 13. Download the eBay app
- 21. Open a coworking space
- 9. Rent out your own house
- Conventional loans
- 5. Get discounts on entertainment
- Paying for vacations, cars or other stuff
- Your next step
- Get a test reader
- Figo vs. Healthy Paws
- Vanguard Small Cap Index Fund (VSMAX)
- Winter storms
- 9. Capital One Venture Rewards Credit Card
- 6. Cryptocurrency
- 9. Become an Instagram influencer
- Our pick for: Maximized value
- What documents do I need to import goods?
- 19. Complimentary benefits through Fine Hotels & Resorts
- How to get a liquor license in Illinois
- California young child tax credit (YCTC)
- 6. Know when to sell stocks — and when not to
- Is Coinbase Wallet right for you?
- How we review crypto wallets
- 5. Commodities
- Nationwide vs. Geico home insurance
- 9. Fifth Third Bank
- Chubb
- Financial assistance
- 2. Know your own ESG criteria
- How to compare life insurance quotes
- 6. Secure funding
- TransUnion
- 8. Market yourself
- 25. Anthropologie
- 9. Rent out your own house
- 6. Manage your stock portfolio
- Prepaid expenses
- A winning combination of benefits
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- 13. Dairy Queen
- 21. Podcaster
- 1. Has the W-4 form changed?
- Our pick for: Your choice of expenses
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- Benefits of joint ventures
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- ETFs vs. mutual funds
- Request a hotel franchise questionnaire
- Hurricanes
- Giving a laid-back loan
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- 1. Pick which types of I bonds you want to buy
- Flooding
- Cheapest minimum coverage car insurance in Florida for 30-year-olds
- Proofread
- Excellent financial history
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- Tornadoes
- 16. Taxes
- Our pick for: Bank of America® customers
- Hilton Honors
- 1099-OID
- How to get a liquor license in Indiana
- 12. Academics courses
- California child and dependent care tax credit
- Tax credits for green purchases
- 14. Connect eBay to your own store
- 22. Become an online coach
- 10. Get a roommate
- Cheapest full coverage car insurance in California for 30-year-olds
- FHA loans
- Life insurance quotes vs. rates
- 6. Map out major purchases
- 17. Rental car coverage
- 12. Make the most of walk-throughs and open houses
- 26. Banana Republic
- Cash-back match in your first year
- Oneworld
- State Farm vs. Allstate
- Step 7: Provide additional details regarding assets and liabilities
- 22. Social media influencer
- Ink Business Unlimited® Credit Card
- How we review crypto wallets
- 6. Real estate
- Management or advisory fees
- Other details you should know about Ledger
- Try mediation
- Risks of joint ventures
- 3. Choose ESG investments
- Setting up joint bank accounts
- Etsy fees for sellers
- Winter weather
- 10. Get a roommate
- Be available for training
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- NJM: Best small regional insurer
- 20. Free shipping with ShopRunner
- 1099-PATR
- 2. What does it mean to be exempt from taxes?
- How to get a liquor license in Iowa
- California adoption cost tax credit
- How it works
- How much are car insurance quotes?
- Jewelers Mutual
- 23. Flip failing websites
- Alternative investment passive income ideas
- 2. Choose how much you want to invest.
- 1. What does "sole proprietor" mean?
- Our pick for: No security deposit, low annual fee, potentially high credit limit
- Tornadoes
- 18. Trip cancellation or interruption insurance
- Find your niche
- Graduate to Homeownership Program
- 27. DSW
- Figo vs. Trupanion
- Winter weather
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- Our pick for: Bank of America® customers
- Halal investing resources
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- 14. Cold Stone Creamery
- 10. Monetize your Twitch channel
- Winner: Virgin Atlantic
- JetBlue TrueBlue
- Farmer Veteran Fellowship Fund
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- Ledger: 5.0 out of 5 stars
- FHA renovation loans
- 15. Network with other sellers
- ETFs vs. stocks
- Obtain hotel franchise disclosure documents
- 2. Decide how much you want to invest in I bonds
- Alternative investment passive income ideas
- Step 7: Invest in advertising and expanding
- Title-related costs
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- 10. Hilton Honors American Express Aspire Card
- Best insurance company for financial strength: Auto-Owners
- 17. Employee salaries
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- 21. Concierge service
- 1099-Q
- How to get a liquor license in Kansas
- 13. Language courses
- California nonrefundable renters tax credit
- Ink Business Cash® Credit Card
- Where to get it
- Above-the-line deductions
- NYC tax rate schedule
- An existing relationship
- 24. Become a web developer
- Turn to litigation
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- 2. Can a sole proprietor have employees?
- 7. Restrict online shopping
- Georgia FAIR Plan
- Our pick for: Subscriptions
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- 28. J. Crew Factory
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- Flooding
- Geico vs. State Farm
- Marriott Bonvoy
- 24. Photographer or videographer
- Other specialty FHA loans
- Is Ledger right for you?
- 11. Peer-to-peer lending
- 3. Gather your paperwork.
- Cheapest minimum coverage car insurance in California for 30-year-olds
- 1. Take a driving class
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- 13. Don’t skip the home inspections
- Rewards at no yearly cost
- 22. Low fares through the International Airline Program
- 1099-R
- How to get a liquor license in Kentucky
- Good credit
- 25. Start a podcast
- Farmers
- 3. Does a sole proprietor need an EIN?
- 3. Figure out how long to keep your I bonds
- 5. Stock your vending machine with inventory
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- Pros
- 11. Peer-to-peer lending
- Using credit card benefits to save money
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- 3. When should I review my W-4?
- Trezor: 4 out of 5 stars
- Below-the-line deductions
- Can I sell on eBay without a store?
- 1. Find a partner
- Consult with a hotel franchise attorney
- 20. Lost luggage reimbursement
- 7. Obtain your licenses and permits
- You can spend over your credit limit
- 23. Savings with the Cruise Privileges Program
- 1099-S
- Step 8: Review the form
- How to get a liquor license in Louisiana
- Which factors determine car insurance quotes?
- Lavalier
- How we review crypto wallets
- 26. Be a social media influencer
- 4. How do you change from sole proprietor to LLC?
- American Express® Gold Card
- 8. Delay purchases with the 30-day rule
- Be authentic
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- Dividends and preferred stock
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- Shiller PE ratio
- Figo vs. Nationwide
- 11. Sell your photography
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- 14. Business or marketing courses
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- Do I need a tax ID to sell on eBay?
- Strong revenue
- How to reach the different status levels
- 12. Private equity
- Cheapest auto insurance in Texas for 30-year-olds with poor credit
- 4. Pick your investments.
- Our pick for: Average credit and rewards
- 2. Choose a car that’s cheap to insure
- Review the hotel franchise agreement
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- 14. Negotiate with the seller
- Want to learn more about credit scores?
- Compare auto insurance rates for drivers with poor credit
- Cheapest auto insurance in Florida for 30-year-olds with one speeding ticket
- Panera bread
- Allstate vs. Geico
- Mapping out a get-out-of-debt plan
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- 4. Can I adjust my W-4 multiple times throughout the year?
- How to get a liquor license in Maine
- How it works
- Cheapest auto insurance in California for 30-year-olds with poor credit
- Step 3: Book your flight on the British Airways site
- 31. Old Navy
- Cons
- 12. Private equity
- Real estate agent commissions
- TJX Rewards® Platinum Mastercard®
- 1099-SA
- SafePal: 3.8 out of 5 stars
- How many things can you sell on eBay for free?
- Enough time in business
- 27. Create online courses
- 9. Get creative with gifts
- Selling bonds
- 6. Make the right investments
- Our pick for: Paying rent
- USAA: Best for military and veterans
- Our pick for: Prime gaming
- 25. Deals through the Amex Auto Purchasing Program
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- Where to get it
- 7. Private equity
- 3. Protect your car
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- Want to find a credit card?
- 9. Familiarize yourself with your day-to-day responsibilities
- 32. Target Circle
- Property and transfer taxes
- Best-in-class rewards rate
- 20. Contracted labor
- Step 9: Sign and date
- 15. Personal wellness
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- How much is an eBay store per month?
- Collateral
- 28. Become a marketing consultant
- Geico
- 2. Choose a type of joint venture
- Most popular: HO-3 insurance
- Finalize the details
- 15. Buy adequate home insurance
- 8. Review an employer’s responsibilities
- What should you do if you’re invested in these REITs?
- McDonald’s
- Progressive vs. Allstate
- Best insurance company for discounts: Amica
- 26. An extra point when booking Platinum Destinations Vacations
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- How to get a liquor license in Massachusetts
- Our pick for: Earning more automatically
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- Cheapest auto insurance in Texas for 30-year-old drivers with one speeding ticket
- Manufactured Home Mortgage Program
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- Title insurance
- Annual streaming credit
- Our pick for: Lyft rides
- Methodology
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- Cheapest auto insurance in California for 30-year-old drivers with one speeding ticket
- Capital One Savor Cash Rewards Credit Card*
- 10. Lower your car costs
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- 21. Legal and professional fees
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- Our pick for: Average credit and no annual fee
- 4. Get credit for driving less
- Apple Cash: digital card
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- Dunkin’
- Look up the insurer’s financial strength
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- How to get a liquor license in Michigan
- Community banks
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- Your house
- Broadest coverage: HO-5 insurance
- Progressive vs. State Farm
- 28. AmEx Carbon Emissions Tracker
- 16. Courses in hobbies or interests
- 11. Reduce your gas usage
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- How to get a liquor license in Minnesota
- How it works
- Benefits of FHA loans
- Online lenders
- 30. Make a smart appliance
- Cheapest auto insurance in Texas for 30-year-old drivers with one at-fault crash
- Your location
- 5. Raise your deductible
- 1. Open a brokerage account
- Cheapest auto insurance in Florida for 30-year-olds after a DUI
- An industry-leading cash-back rate at supermarkets
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- Cheapest auto insurance in California for 30-year-old drivers with one at-fault crash
- Our pick for: Those who are unbanked
- Cash App debit card
- Give Us Credit
- 35. Clinique
- Research the insurer’s reputation for customer service
- How to get a liquor license in Mississippi
- Disadvantages of FHA loans
- 31. Tap into virtual reality experiences
- Liberty Mutual
- 3. Draft a joint venture agreement
- You and your stuff
- Limited coverage: HO-1 and HO-2 insurance
- Product creation passive income ideas
- Rich rewards for streaming
- Costco Anywhere Visa® Card by Citi
- 13. Sell unused gift cards
- 29. The Global Dining Access by Resy
- 17. Bookkeeping and accounting
- Microlenders
- Citi® / AAdvantage® Executive World Elite Mastercard®
- 6. Drop coverage you no longer need
- 12. Bundle cable and internet
- 36. CVS
- 1. Look at customer satisfaction scores
- Who are the top five insurance companies?
- Individual stocks
- Learn more about getting an SBA loan:
- How to get a liquor license in Missouri
- Where to get it
- 32. Make a niche dating site
- 14. Write content
- Our pick for: Limited credit
- 2. Find the ETFs you want to invest in
- Add a personal bio and photo
- Erie: Most generous coverage
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- Cheapest auto insurance in Texas for 30-year-old drivers after a DUI
- Roth IRA withdrawal rules
- 37. e.l.f. Cosmetics
- 14. Write content
- 2. Consider financial strength
- Which insurance company is best at paying claims?
- How to get a liquor license in Montana
- Sports decks
- 33. Develop a chatbot
- Cheapest auto insurance in California for 30-year-old drivers after a DUI
- 7. Consider bundling your insurance policies
- 13. Switch your cell phone plan
- Best insurance company for customer satisfaction: State Farm
- Our pick for: Target gaming purchases
- 31. An open invitation to events with Membership Experiences
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- Up to 3 stopovers on a Japan Mileage Bank partner airline award ticket
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- Roth IRA withdrawal penalty
- 4. Pay taxes
- 3. Buy the ETF
- Cheapest full coverage car insurance in Florida for 40-year-olds
- Pros
- Add images
- 38. Lancome
- 3. Evaluate the policy options
- Ability to convert your cash back into Capital One miles
- Is State Farm cheaper than Geico?
- 14. List your spare bedroom on Airbnb
- How to get a liquor license in Nebraska
- 34. Offer matchmaking skills
- Compare insurance rates for drivers with an accident
- Dividend stocks
- 32. A better view with American Express Preferred Access
- 8. Shop around for coverage
- 4. Hold onto the ETF
- Replacement cost vs. actual cash value
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- 39. Sephora
- Is Geico a good insurance company?
- How to get a liquor license in Nevada
- Up to 7 stopovers on Oneworld award tickets
- 35. Be a virtual assistant
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- Delta SkyMiles® Platinum Business American Express Card
- 14. Reduce your electric bill
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- Our pick for: Military and qualifying family members
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- The Rooftop Terrace
- 15. Publish a digital course
- Our pick for: Good credit
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- How to get a liquor license in New Hampshire
- Cheapest full coverage car insurance in Texas for 40-year-olds
- 5. Follow other applicable regulations
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- Add sections
- 15. Publish a digital course
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- 15. Lower your student loan payments
- 41. The Body Shop
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- How to get a liquor license in New Jersey
- Car-related passive income ideas
- Add your shop’s "about" section
- Nationwide: Best online experience
- 37. Create eco-friendly, health-friendly makeup and beauty products
- 42. Ulta
- Car-related passive income ideas
- Best insurance company for military members: USAA
- 15. Sell your gently used clothes
- 34. Upgrade with points
- How to get a liquor license in New Mexico
- 16. Cancel unnecessary subscriptions
- Our pick for: Spending guardrails
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- 38. Open a food truck or restaurant pop-up
- 16. Wrap your car with ads
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- United Club℠ Infinite Card
- What is a prepaid debit card?
- Cheapest auto insurance in Florida for 40-year-olds with poor credit
- 35. No preset spending limit
- How to get a liquor license in New York
- Progressive
- Cheapest minimum coverage car insurance in California for 40-year-olds
- Our pick for: Travel
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- 16. Wrap your car with ads
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- 36. A lower annual fee on additional cards
- How to get a liquor license in North Carolina
- 17. Rent out a parking space
- What is a prepaid credit card?
- Our pick for: Walmart gaming purchases
- 40. Do interior design for young professionals
- 44. Barnes & Noble
- 17. Rent out a parking space
- 16. Trade in old phones, electronics for cash
- 37. CreditSecure
- How to get a liquor license in North Dakota
- 21. Social media management
- Cheapest auto insurance in Texas for 40-year-olds with poor credit
- 18. Set savings goals
- Where can you get a prepaid card?
- Cheapest auto insurance in Florida for 40-year-olds with one speeding ticket
- Cheapest auto insurance in California for 40-year-olds with poor credit
- 45. Redbox
- Openly: Fewest consumer complaints
- How to get a liquor license in Ohio
- How do you add money to a prepaid card?
- USAA
- Marriott Bonvoy Brilliant® American Express® Card
- Our pick for: Instant gratification
- Chase Freedom Flex℠
- Our pick for: Avid Amtrak users
- How to get a liquor license in Oklahoma
- Which prepaid card is best?
- 17. Get a babysitting gig
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- 22. Marketing copywriter
- Our pick for: Paying rent
- Cheapest auto insurance in Texas for 40-year-old drivers with one speeding ticket
- 19. Track spending
- Cheapest auto insurance in Florida for 40-year-olds with one at-fault crash
- How to get a liquor license in Oregon
- Cheapest auto insurance in California for 40-year-old drivers with one speeding ticket
- 39. Purchase protection
- 7. Your credit score
- How to get a liquor license in Pennsylvania
- 23. Virtual assistant services
- 20. Pay off high-interest debt
- 1. Gather your information
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- Our pick for: A low security deposit
- 18. Rent out your car
- Our pick for: PlayStation purchases
- How to get a liquor license in Rhode Island
- Cheapest auto insurance in Texas for 40-year-old drivers with one at-fault crash
- Cheapest auto insurance in Florida for 40-year-olds after a DUI
- 41. Extended warranty
- Cheapest auto insurance in California for 40-year-old drivers with one at-fault crash
- Prime Visa
- Our pick for: Personalized rewards
- 21. Keep savings in a high-yield savings account
- How to get a liquor license in South Carolina
- State Farm: Best perks
- 42. Baggage insurance plan
- How to get a liquor license in South Dakota
- 22. Create a 50/30/20 budget
- 2. Choose the right liability car insurance coverage levels
- Discover it® Cash Back
- 43. Car rental loss and damage insurance
- 1. Do your research
- Cheapest auto insurance in Texas for 40-year-old drivers after a DUI
- 19. Sign up for TaskRabbit
- How to get a liquor license in Tennessee
- Cheapest auto insurance in California for 40-year-old drivers after a DUI
- 44. Premium Car Rental Protection
- 2. Get organized and make it official
- Cheapest full coverage car insurance in Florida for 50-year-olds
- Verizon Visa® Card
- 45. Trip delay insurance
- How to get a liquor license in Texas
- 23. Shop consignment and thrift stores
- 20. Become a private tutor
- 46. Trip cancellation and interruption insurance
- How to get a liquor license in Utah
- 3. Find the right financing
- Cheapest full coverage car insurance in Texas for 50-year-olds
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- How to get a liquor license in Vermont
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- 47. Premium Global Assist Hotline
- You’re a first-time home buyer
- Our pick for: Best Buy purchases
- How to get a liquor license in Virginia
- 24. Join initiatives to get free items
- Our pick for: A mix of credit-building features
- 3. Decide if you need full coverage car insurance
- 21. Drive for Uber, Lyft
- 8. Taxes
- How to get a liquor license in Washington
- Cheapest minimum coverage car insurance in Texas for 50-year-olds
- Cheapest auto insurance in Florida for 50-year-olds with poor credit
- Trip cancellation
- Cheapest minimum coverage car insurance in California for 50-year-olds
- You live in a high-risk area
- How to get a liquor license in West Virginia
- 25. Use car sharing services
- Cell phone protection
- Trip interruption
- 22. Make deliveries for Amazon, Uber Eats
- How to get a liquor license in Wisconsin
- Purchase protection
- Cheapest auto insurance in Texas for 50-year-olds with poor credit
- Cheapest auto insurance in Florida for 50-year-olds with one speeding ticket
- You have a dog
- How to get a liquor license in Wyoming
- Trip delay
- 9. Paying off debt
- Cheapest auto insurance in California for 50-year-olds with poor credit
- 26. Stock up on household supplies when they’re cheap
- Return protection
- 4. Collect and compare car insurance quotes
- 23. Find work as a housesitter
- Extended warranty
- Cancel For Any Reason
- You own valuable items
- Cheapest auto insurance in Texas for 50-year-old drivers with one speeding ticket
- 27. Enjoy community events
- Cheapest auto insurance in Florida for 50-year-olds with one at-fault crash
- Baggage insurance plan
- Cheapest auto insurance in California for 50-year-old drivers with one speeding ticket
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- Baggage delay
- Car rental loss and damage insurance
- You own an older home
- 24. Sign up to be a mystery shopper
- 28. Cash in on your birthday
- Trip delay insurance
- Lost baggage
- Cheapest auto insurance in Texas for 50-year-old drivers with one at-fault crash
- Cheapest auto insurance in Florida for 50-year-olds after a DUI
- Cheapest auto insurance in California for 50-year-old drivers with one at-fault crash
- Trip cancellation and interruption insurance
- Travel medical insurance
- 25. Put your drone to work
- Cheapest auto insurance in Texas for 50-year-old drivers after a DUI
- Cheapest auto insurance in California for 50-year-old drivers after a DUI
- Compare car insurance companies
- Cheapest full coverage car insurance in Florida for 60-year-olds
- Conditions common to your dog’s breed
- Cheapest full coverage car insurance in Texas for 60-year-olds
- Cheapest minimum coverage car insurance in Florida for 60-year-olds
- Cheapest full coverage car insurance in California for 60-year-olds
- 10. Insurance
- Your dog’s energy and activities
- Cheapest minimum coverage car insurance in Texas for 60-year-olds
- Cheapest auto insurance in Florida for 60-year-olds with poor credit
- Wellness expenses
- Cheapest minimum coverage car insurance in California for 60-year-olds
- Cheapest auto insurance in Texas for 60-year-olds with poor credit
- Cheapest auto insurance in Florida for 60-year-olds with one speeding ticket
- Cheapest auto insurance in California for 60-year-olds with poor credit
- Decide whether your cat needs insurance
- Cheapest auto insurance in Texas for 60-year-old drivers with one speeding ticket
- Cheapest auto insurance in Florida for 60-year-olds with one at-fault crash
- Wellness expenses
- Cheapest auto insurance in California for 60-year-old drivers with one speeding ticket
- Cheapest auto insurance in Texas for 60-year-old drivers with one at-fault crash
- Cheapest auto insurance in Florida for 60-year-olds after a DUI
- 11. Investing
- Cheapest auto insurance in California for 60-year-old drivers with one at-fault crash
- 1. Check whether your pet is eligible
- 2. Research what’s covered
- Cheapest auto insurance in Texas for 60-year-old drivers after a DUI
- Cheapest auto insurance in California for 60-year-old drivers after a DUI
- Cheapest full coverage car insurance in Florida for 70-year-olds
- 3. Decide how much coverage you want
- Cheapest full coverage car insurance in Texas for 70-year-olds
- Cheapest minimum coverage car insurance in Florida for 70-year-olds
- Cheapest full coverage car insurance in California for 70-year-olds
- 4. Understand reimbursements and deductibles
- Cheapest minimum coverage car insurance in Texas for 70-year-olds
- Cheapest auto insurance in Florida for 70-year-olds with poor credit
- Cheapest minimum coverage car insurance in California for 70-year-olds
- 5. Check waiting periods
- 12. Starting or running a business
- Cheapest auto insurance in Texas for 70-year-olds with poor credit
- Cheapest auto insurance in Florida for 70-year-olds with one speeding ticket
- Cheapest auto insurance in California for 70-year-olds with poor credit
- 6. Examine extra costs
- Cheapest auto insurance in Texas for 70-year-old drivers with one speeding ticket
- Cheapest auto insurance in Florida for 70-year-olds with one at-fault crash
- 7. Compare quotes
- Cheapest auto insurance in California for 70-year-old drivers with one speeding ticket
- 13. Travel
- Cheapest auto insurance in Texas for 70-year-old drivers with one at-fault crash
- Cheapest auto insurance in Florida for 70-year-olds after a DUI
- Cheapest auto insurance in California for 70-year-old drivers with one at-fault crash
- Cheapest auto insurance in Texas for 70-year-old drivers after a DUI
- The NerdWallet Smart Money podcast
- Cheapest auto insurance in California for 70-year-old drivers after a DUI
- Auto insurance laws in California
- Low-income car insurance in California
1. Roll your debts onto a balance transfer credit card
0% introductory APR period.
A year or more to pay off debt without interest.
Requires good to excellent credit to qualify.
Usually carries a balance transfer fee.
Higher APR kicks in after the introductory period.
Also called credit card refinancing, this option transfers credit card debt to a balance transfer credit card that charges no interest for a promotional period, typically 15 to 21 months. You’ll need good to excellent credit (690 credit score or higher) to qualify for most balance transfer cards.
A good balance transfer card will not charge an annual fee, but many issuers charge a one-time balance transfer fee of 3% to 5% of the amount transferred. Use NerdWallet’s balance transfer savings calculator to see whether the interest you save over time will wipe out the cost of the fee.
Aim to pay your balance down completely before the 0% intro APR period is over. Any remaining balance after that time will have a regular credit card interest rate.
» COMPARE: Best balance transfer credit cards
2. Apply for a credit card consolidation loan
Fixed interest rate means your monthly payment won’t change.
Low APRs for good to excellent credit.
Direct payment to creditors offered by some lenders.
Hard to get a low rate with bad credit.
Some loans carry an origination fee.
Credit card consolidation loans, also called debt consolidation loans, are fixed-rate loans that come in a lump-sum, ranging from $1,000 to $50,000, with terms up to seven years. You can apply for a consolidation loan at your local credit union, bank or through an online lender.
Credit unions are not-for-profit lenders that may offer their members more flexible loan terms and lower rates than other lenders, especially for borrowers with fair or bad credit (689 credit score or lower). The maximum APR charged at federal credit unions is 18%. You’ll need to become a member before you apply for a consolidation loan, but membership is typically quick and affordable.
Bank loans provide competitive APRs for good-credit borrowers, and benefits for existing bank customers may include larger loan amounts and rate discounts. If you have a good relationship with your bank, ask what their consolidation options are before committing to another lender.
Online lenders offer debt consolidation loans for borrowers across the credit spectrum, so they’re a good option if you can’t qualify through a credit union or bank. Most online lenders also let you pre-qualify without affecting your credit score, which is less common among banks and credit unions. Pre-qualifying gives you a preview of the rate, loan amount and term you may get once you formally apply.
Look for lenders that offer special features for debt consolidation. Some lenders, for example, will discount the rate on a debt consolidation loan or send the loan funds directly to your creditors, simplifying the process.
Use NerdWallet’s debt consolidation calculator to enter all of your debts in one place, see typical rates from lenders and calculate savings.
» COMPARE: Best credit card consolidation loans
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3. Tap your home equity for a loan or line of credit
Typically lower interest rates than personal loans.
May not require good credit to qualify.
Long repayment period keeps payments lower.
You need equity in your home to qualify, and a home appraisal is usually required.
Secured with your home, which you can lose if you default.
If you’re a homeowner, you may be able to take out a loan or line of credit on the equity in your home and use it to pay off your credit cards or other debts. This is an option for borrowers who can’t qualify for credit elsewhere.
A home equity loan is a lump-sum loan that you pay back with a fixed interest rate, meaning you’ll have predictable monthly payments and a clear finish line. However, these loans are less flexible than a line of credit, which works like a credit card with a variable interest rate.
A HELOC, or home equity line of credit, often requires interest-only payments during the draw period, which is usually the first 10 years. That means you’ll need to pay more than the minimum payment due to reduce the principal and make a dent in your overall debt during that time.
Since both of these types of credit are secured by your house, you’re likely to get a lower rate than what you would find on a personal loan or balance transfer credit card. However, you can also lose your home if you don’t keep up with payments.
4. Borrow from your 401(k)
Lower interest rates than unsecured loans.
No impact on your credit score.
Reduces your retirement fund.
Heavy penalty and fees if you can't repay.
If you lose or leave your job, you may have to quickly pay back your loan.
If you have an employer-sponsored retirement account like a 401(k) plan, you can typically borrow up to half the amount (with a $50,000 maximum), for a term up to five years, to help pay off your debts. These loans usually come with single-digit interest rates, so they’re much cheaper than credit cards, and any interest you pay goes back into your account. Another benefit is this loan won’t show up on your credit report, so there’s no impact on your score.
But taking out a 401(k) loan is very risky. Not only can it significantly impact your retirement savings, if you can’t repay, you’ll owe a hefty penalty plus taxes on the unpaid balance, and you may be left struggling with more debt.
Plus, if you lose your job or quit, the loan is automatically due on tax day of the next year.
Consider a 401(k) loan only after you’ve ruled out balance transfer cards and other types of loans.
5. Enter a debt management plan
Fixed monthly payments.
May cut your interest rate by half.
Doesn't hurt your credit score.
Startup fees and monthly fees are common.
It may take three to five years to repay your debt.
Debt management plans roll your credit card balances into one monthly payment at a reduced interest rate. You then pay it off over three to five years. These plans work best for those who are struggling to pay off credit card debt but don’t qualify for other options because of a low credit score.
Unlike other credit card consolidation options, opting into a debt management plan won’t hurt your credit score, and if you’re able to make payments on time, it should help.
But debt management plans typically come with fees, so you’ll want to verify the fee amounts and how they affect your overall payoff plan before making a commitment. Going through a nonprofit credit counseling agency is a good way to find an affordable debt management plan.
If your credit card debt is more than 40% of your income and can’t be repaid within five years, bankruptcy may be a better option than a debt management plan.
» MORE: Compare debt payoff strategies
What is credit card consolidation?
Credit card consolidation is when you use another credit product to pay off your credit card balances in one fell swoop. You’re then left with only one payment on your new debt.
For consolidation to make sense, the new debt should have a lower annual percentage rate than your credit cards, so you save money on interest. You can even apply that savings back to your debt, which will shorten the payoff period and get you out of debt faster.
How does credit card consolidation work?
Credit card consolidation works by using a different credit product to pay off your credit card balances at a lower interest rate. The logistics depend on which product you choose.
For example, if you go with a credit card consolidation loan, you’ll need to apply for the loan with a bank, credit union or online lender. Once approved, you’ll receive the money in your account, which you can use to pay off your credit cards.
If you have $10,000 in debt across four credit cards, you’d apply for a $10,000 loan then individually pay off each of the four cards (some lenders offer to pay off your cards for you). You’re then left with one fixed payment on the consolidation loan, which you make monthly, until the loan is paid off in full.
» MORE: How do consolidation loans work?
Is consolidating credit card debt a good idea?
Consolidating credit card debt is a good idea if you can qualify for a low enough interest rate and pay off the debt during the allotted time period, which will vary based on the consolidation product you choose.
You’ll also want to be certain you can keep your credit card balances at or near zero while you pay off the new debt. For example, if you take out a consolidation loan to pay off your credit cards, but then accumulate a balance on your credit cards again, you’ll be in a worse position than when you started.
Can I still use my credit card after debt consolidation?
If you consolidate your credit cards, you can still use them. Consolidating just means you’re paying them off, so your balances will be at zero, but the cards themselves will remain open unless you take the step of closing them.
Closing a credit card can hurt your credit score. Financial experts often suggest tieing a small recurring expense, like your monthly phone bill, to the card to keep it active. Avoid paying for nonessential expenses with your credit card, since this could delay getting out of debt.
Debt consolidation rolls multiple debts, like high-interest credit cards or loans, into a single payment.
The best way to consolidate credit card debt depends on how much debt you have, your credit score and what existing financial resources you can pull from, but popular options include balance transfer cards and consolidation loans.
A consolidation loan might be better than paying off credit cards on your own if you can qualify for a lower interest rate than the average rate on your cards. This would reduce interest costs, lower your monthly payment and potentially get you out of debt faster.
Consolidating debt affects your credit in a few ways. Your credit score may temporarily dip when a lender or card issuer does a hard credit inquiry. Making a late payment on your consolidation product can also hurt your credit. But if you pay on time and stay out of debt in the future, the overall effect could be positive.
rolls multiple debts, like high-interest credit cards or loans, into a single payment.
The best
way to consolidate credit card debt
depends on how much debt you have, your credit score and what existing financial resources you can pull from, but popular options include balance transfer cards and consolidation loans.
A
consolidation loan
might be better than paying off credit cards on your own if you can qualify for a lower interest rate than the average rate on your cards. This would reduce interest costs, lower your monthly payment and potentially get you out of debt faster.
Consolidating debt affects your credit
in a few ways. Your credit score may temporarily dip when a lender or card issuer does a hard credit inquiry. Making a late payment on your consolidation product can also hurt your credit. But if you pay on time and stay out of debt in the future, the overall effect could be positive.
on NerdWallet