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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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- Work full time for a qualifying employer
- Are you transferring your balance onto a new credit card?
- 2. Medical records management
- 3. License and register your business
- You don't want to pay interest
- 2. Book partner airline flights using Skypass miles
- Contents coverage
- 2. Register your business
- Ledger: Most popular
- Time and labor management
- Under 35
- 4. Tax-loss harvesting is most useful if you’re investing in individual stocks, actively managed funds and/or exchange-traded funds
- 5. Texas Woman's University Veteran Woman Entrepreneur Grant
- 4. Look for accommodations with laundry services
- Sign-up bonus
- 5. Student loan interest deduction
- Prioritize flexibility if you’re not loyal to specific brands
- E-commerce
- 5. Your wireless provider: Most carriers sell pre-owned phones
- Chase 2021 bonus categories
- Pay off the loan faster
- 8. Cinnabon
- Cost to own an inground pool
- 2. Document your charitable contributions
- Only certain types of transfers are allowed
- VA cash-out refinance
- Pros:
- 20% of your income: savings and debt
- Room service
- Group life insurance
- 2. Trust in diversification
- Book with points
- Disadvantages of a lady bird deed
- 3. Choose how much you want to invest
- Avoid strapless tops or tank tops
- DTI ratio examples
- Credit Karma
- Invesco WilderHill Clean Energy ETF (PBW)
- Figo: Cheapest pet insurance for cats
- Current public information requirement
- Customer complaints
- Cash reserves
- Tesla car insurance rates by state for a Model 3
- 2. Easier tax setup
- Senior miners
- Earnings rates (towards status)
- 1. Exploration and production
- Does basic economy get a carry-on on United?
- HMBradley
- Health insurance and pharmacy benefit management
- 2. Decide how much help you want
- Cheapest full coverage car insurance in Florida for 20-year-olds
- Convenience
- Unlimited music streaming
- Cash-out refinance
- Permanent life insurance has tax benefits
- Annuities
- Winner for most valuable airline credit card: Air Canada
- High annual fees or poor customer service
- The case for a fixed-rate mortgage
- Total private
- Set expense limits and find ways to save
- 3. Apply coupons
- Country Financial: Best for using an agent
- State Farm commercial auto insurance
- Trust Wallet
- Airline cards
- Downsides
- Cons of investing in China stocks
- 5. Fifth night free
- What if you withdraw from your 401(k) early?
- 5. Get a founders agreement in writing.
- Should you gamble on meme coins?
- What happens if I can't repay a payday loan?
- Roth 401(k)
- 2. Pass the exam
- 2. You make one-time international transfers.
- Promissory note
- Higher rewards on everyday spending
- Earning Rapid Rewards points
- Existing business
- 3. Stay invested with the "buy and hold" strategy
- A credit score over 620
- 1. Health care and consumer staples stocks
- Average pay
- Accident-only
- 3. Open a brokerage account
- Property tax deduction
- 5. Event planning
- Use Amazon’s tools
- Quick service
- Contest
- Use LifeMiles to book Avianca business class awards
- Chase 2020 bonus categories
- 7. Curate subscription boxes
- Make a withdrawal
- 4. Fund your account and get started
- 2. Find and compare ETFs with screening tools
- 3. Go through the security checkpoint
- When the statement balance and current balance are different
- Step 4: Refine your withholdings
- 1.Meet the requirements
- 5. Feed an alligator at Gator Beach
- 3. Set up balance alerts to stay on top of spending
- 3. Choose a business entity structure
- 2. As an early step toward passing down wealth
- 2. Choose an investment account
- Earning rates
- Where to get a private student loan
- Managing debt
- Diversification through index funds and ETFs
- Animal Kingdom
- Fly on the holidays (or as far from it as possible)
- Southwest flights to Central America
- The $200 airfare credit
- Start with a budget
- A secured credit card offers no risk to you
- 5. Southwest Airlines Rapid Rewards
- 3. Budget for taxes
- Handling private matters on a public channel might not work
- Owner-builder loan
- Down payment?
- Consider whether you want a referral system of care
- Personal loans
- 5. Expand your network
- 3. Provide details for payment and identification
- 5. Recalculated refund scam
- 1. Multiply your income by 10
- Free fitness training
- 2. Red Bank
- 4. See if you qualify without impacting your credit
- How to leave tips for housekeeping
- 3. Child care
- Economic Development Administration
- What are my options for unfreezing credit?
- Can you save too much?
- Hyatt Together
- $27.5 billion in SBA 7(a) loans were provided to small businesses
- How he thinks about points and miles today
- 1. With more time for interest to accrue, you will pay more
- 2. Municipal bonds, or munis
- Talent acquisition
- In-town transit
- Consider getting an annual pass
- 4. Contribution limits are high
- How much does an abortion pill cost?
- Should you refinance your student loans?
- Conventional mortgages: As low as 3% down payment
- 5. Peer-to-peer money transfer apps
- 6. Adoption credit
- Medicare Part D IRMAA in 2024
- 3. Bermuda
- Winner for reliability: Spirit
- Formal two weeks’ notice template
- Methodology
- Chase 2019 bonus categories
- Lengthen the repayment term
- 2. Verify their credentials
- 9. Cold Stone Creamery
- Mortgage insurance
- Cities with the top five annual rent price declines or smallest increases:
- 3. Learn to use AI tools
- 2. Take a cut with affiliate marketing
- Resident status rules
- Cons:
- PenFed: Best for a seamless application process
- Craigslist, Facebook Marketplace, Nextdoor, OfferUp
- 1. States with no income tax
- Best insurance company overall: Travelers
- Partner awards from other airlines
- Buying a put example
- Opt for modest jewelry
- Notice of proposed sale requirement
- 2. Pool your points
- Lengthy contract, early termination fees
- Documentation
- JetBlue Airways
- Part-year resident status rules
- Step 2: Choose your market
- Equity vs. debt
- Our pick for: Intro APR + high rewards on everyday spending
- Fast Break for Small Business
- Choosing more than one trademark class
- Bring a bigger down payment to the table
- How to test the battery health of a used EV
- Whole Foods deals
- Flexible qualification requirements
- Whole life insurance offers guaranteed returns
- Hire an advisor
- Type of business
- 3. Earn your cardmember anniversary bonus
- 5. Profits
- 2. Create your envelope categories
- You've graduated to a permanent card
- Interchange
- Locate the corresponding size standards
- 4. Compare (and match) prices
- The percentage method
- Directly from the U.S. government through the TreasuryDirect website
- Cons
- ETF cons
- Your strategy: Cast a wider net
- 2. You must have owned the home for at least two years
- 6. Set a vesting schedule for all founders and early employees.
- 3. Bulkhead seats
- 3. Gain professional experience
- Airport lounge access
- How many credit card balances are you transferring?
- 3. Physical/occupational therapy center
- The reality: First-time home buyers typically put around 7% down
- Cost of whole life insurance
- 3. Bring your own amenities
- 3. The cost of owning them
- 5. You must keep your apples and oranges straight
- Compare referral sign-up bonuses
- 4. Decide how much to invest in Zoom stock
- If your employer offers a 401(k) match
- 6. Video production
- Bitcoin pros
- 3. Marriott Bonvoy Brilliant® American Express® Card
- Checkout 51
- 5. Roll your clothes
- 3. Budget for emergencies
- 4. Taco Bell
- 3. Index funds and ETFs
- If you are loyal, find a card for your favorite airlines and hotels
- Robo-advisors
- Free product with purchase
- Fidelity is best for:
- Chase 2018 bonus categories
- How to maximize your rewards
- Fidelity at a glance
- Other fuel cards to consider
- 5. Hyatt Zilara Cap Cana, Punta Cana, Dominican Republic
- Fiddle with dates and times
- 2. Set a target for future earnings growth rate
- Reasons for unfreezing your credit
- Allow up to 50% of your income for needs
- There is a pro-rata rule for backdoor Roths
- Your loan could be sent to collections
- 3. Swagbucks
- 3. Pentagon Federal Credit Union (PenFed) Rewards
- Business license and permits
- How this calculator works
- Step 5: Sign and date your W-4
- Hotels in Hawaii
- 2.Pick your path
- Reduce the amount you need to borrow
- Do tipped workers earn the minimum wage?
- Goodbudget
- Book travel via the AmEx portal or Expedia
- 2. More time means more growth
- But wait, there’s more
- Building your credit score
- 3. Prioritize your financial goals
- Choosing corporate tax status for your LLC
- Iberia business class meals
- If you are converting your 401(k) to an IRA
- Home supply is still limited
- 2. Oilfield services
- 4. Personal trainers
- The $400 Hilton Resort credit
- Deductibles
- Gas bill
- 6. JetBlue TrueBlue
- 4. Watch for scams
- 1. Making money
- Zengo Wallet: 4.8 out of 5 stars
- The case for an adjustable-rate mortgage
- Step 4: Get necessary permits and insurance
- Arrive at the airport early to enjoy the lounge
- Delta SkyMiles
- Interest rate
- Learn more about Zelle
- LifeLock pros
- 6. IRS account sign-up scam
- JetBlue upgrades to Even More Space for Mosaic members
- 2. Organize your documents
- Pay for a club rate when booking on the IHG website
- Cons
- Medicare Part A
- State Farm professional liability insurance
- Other ways may require more patience
- Dharma Merchant Services
- 3. Hanover
- Wants
- 6. Special money-saving offers
- USDA guarantee fee
- 1. Examine your revenue
- 4. Pet sitting or dog walker
- Personal loans from credit unions
- Financing and banking
- Collateral
- Typical cost for a flagship family plan with unlimited data
- 4. Prepare your car and complete the sale
- How long should I lift the freeze?
- 50% of SBA microloans went to Black- and Latino-owned businesses
- Where Trezor shines
- Booking American flights with Alaska miles
- Airfares are at record highs
- You're competing against other buyers
- Forgiveness comes sooner
- Talent management
- Preventive care
- How to unfreeze credit with TransUnion
- How long will it take to pre-qualify?
- FHA loans: As low as 3.5% down payment
- Pros
- 6. Wallet software
- Slightly richer rewards structure
- New Jersey
- 7. Earned income tax credit
- Integrations and mobile
- Other options
- Chase 2017 bonus categories
- Autotrader
- Tap into equity
- Borrow from the policy
- Personal loan calculator
- LendingTree Spring
- 6. Experiment at the Emerald Coast Science Center
- Example interest checking APYs at select institutions
- 3. Consider buying the dip
- Arrive early to enjoy the lounge
- 4. Select a provider to open your Roth IRA
- Part-year resident status rules
- It can give you a better track record
- Best business expense tracker for transportation businesses
- Volume restriction requirement
- Appraisals
- Prepare for a future tax bomb
- Gold streaming companies
- Upgradability
- 4. Up to $200 in annual credit for airline incidental fees
- Southwest flights to the Caribbean
- Oportun
- What factors affect the amount you can borrow
- Track your spending
- Bring documents showing financial stability
- 3. Park Hyatt St. Kitts Christophe Harbour
- Free games
- Cash value policies can make it easier to get a loan
- 4. Transfer credit card points to Wyndham
- 6. Lower risk
- The federal student loan servicers
- Divorce or separation from a spouse
- Travel benefits
- 6. Identify customer service missteps
- 3. Hike your savings rate
- Our pick for cash back
- Avoid economy if you think you may want to upgrade later
- 2. Buy 10 times your income, plus $100,000 per child for college expenses
- Hotel cards
- Cooler weather: September to November
- Customized workout plan
- 2. Calculate the car loan amount you can afford
- Upsides
- 2. Evaluate add-ons and endorsements
- 3. You must have lived in the house for at least two years in the five-year period before you sold it
- Grant databases
- 4. Adhere to the ethical standard
- The Medicare Part B penalty
- Redeeming Rapid Rewards points
- Stock mutual funds = higher potential returns (or losses)
- A strong history of paying bills on time
- Premium tax credit eligibility
- 4. Develop a health care app
- 4. Open a business bank account
- Why it’s the best
- Pros
- Ages 35 to 44
- Bid and ask
- Mortgage interest deduction
- Size of the AC system
- 7. Podcasting
- 6. Michigan Veteran Entrepreneur-Lab
- The cons of Roth IRAs
- What qualifies:
- Investing in prohibited industries
- Offerpad Express
- Are they reputable in other areas of their field?
- Spin the wheel of offers
- Chase 2016 bonus categories
- 8. Create an airport-centric app
- 10. Del Taco
- Cheap car insurance after a speeding ticket
- Specialty restaurants
- Business insurance
- Leadership
- 3.Network
- 5. Research first-time home buyer assistance programs
- 4. Pay your bill before your issuer reports to the credit bureaus
- Our pick for: No credit check at all
- Apply natural makeup
- Transfer points to travel partners
- Credit score for FHA loans
- 3. Bonds and bond index funds
- How to get approved for a private student loan
- Working toward financial goals
- Square
- 1. Cash dividends
- Capital gains vs. fixed income
- If you’re willing to be loyal to a specific brand
- Drawing your trademark
- The $100 Conrad or Waldorf Astoria property credit
- An alternative credit card won’t cost you anything
- Cheapest minimum coverage car insurance in Florida for 20-year-olds
- No interest charges
- 2023 credit card bonus categories
- Number of locations
- 3. Limit spending to the envelopes
- Social media typically generates faster responses
- The pros
- Agriculture, forestry, fishing and hunting
- 7. Casualty loss scams
- FICO score ranges
- Medicare Part B
- 1. Decide how involved you want to be
- Exodus
- 4. Secaucus
- 5. Use your card instantly
- Average Student Loan Amounts by Debt Type
- 5. Lawn care business
- 7. Get your employer identification number (EIN).
- You value domestic transfer partners
- Family plans on a budget
- Platinum Rewards Visa with No Annual Fee
- Submit PSLF employment certification forms
- How do I refreeze my credit?
- His future travels
- Flood insurance coverage beyond the NFIP
- For nights out and nights in: the Capital One SavorOne Cash Rewards Credit Card
- 3. Leave your parents at home
- Candidate pay expectations
- Budget hotel options
- Use credit card points
- 1. Fill out the DS-11 application form
- Travel perks at no cost
- Jumbo loans: As low as 5%-10% down payment (varies)
- Cons
- Bitcoin cons
- Tactic 2: Use points or miles
- 1. Locking up savings for a near-future purchase
- 8. Charitable donation deduction
- Urgent travel passport appointments
- 4. U.S. Northeast-Canada
- Chase 2015 bonus categories
- 3. Expedia
- Cover your premium
- Use transferable points currencies to shop around
- 3. Don’t miss out on tax deductions for volunteering
- Our pick for: Online purchases
- Tips for unfreezing your credit
- 1. Find a dividend-paying stock
- A high-deductible health plan might be right for you if:
- Navy Federal: Best for military members
- 2. States with flat income tax rates
- Equity REITs
- 4. Get your business licensed and permitted
- Beacon America
- Nonresident status rules
- Why it’s the best
- 3. Investing can trump saving over the long term
- 3. Set up your life coaching business
- How to use Google Pay
- Seller concessions
- Building a portfolio with stocks and bonds
- FLAT-RATE CREDIT CARDS TO CONSIDER
- 1. Fill out a mortgage application
- Home equity line of credit
- Purchase a VIP tour
- Dun & Bradstreet business credit scores
- North America (domestic flights)
- 3. Fewer business fees
- Service requirements
- IFundWomen Universal Grant Application Database
- 5. Up to $200 in Uber cash for rides
- Find ways to save
- Consider bringing your own financing
- 3. Pick an investment account
- State minimum car insurance requirements
- Saves time and resources
- Best for nonstop one-way flights: Virgin Atlantic Virgin Points
- There’s flexibility with repayments
- 4. Your travel plans
- Take advantage of the pick-up service
- Revisit your spending
- 5. Use shopping tools and apps
- 3. Use the DIME formula
- Group training sessions and group classes
- Business credit cards are a good option if:
- Our pick for: Grocery spending, commuting and streaming service subscriptions
- Custodial wallets
- Terms and conditions
- 2. Flight discounts
- Hotel elite status
- How large is the balance you are transferring?
- 5. Diabetic care center
- 5. Obtain the right insurance
- 10.5 million-plus PPP loan recipients submitted forgiveness applications
- 2. Lenders usually charge higher interest rates for long-term auto loans
- 3. U.S. government bonds and securities
- Cons
- Choosing a card
- Installation and labor: $75 to $250 per hour
- What doesn't qualify:
- Are they good at explaining things?
- 4. Tackle high-interest debt
- 5. KFC
- Limited coverage of certain geographical areas
- Chase 2014 bonus categories
- How to maximize your rewards
- Get rid of FHA mortgage insurance
- 9. Become a destination wedding planner
- 11. Denny’s
- Some beverages
- 4.Start applying for jobs or pitching your services
- Have a co-signer lined up
- Consider 'fifth freedom' routes
- 1. Gifting stock to kids through a custodial account
- Roll the dice with an upgrade hack
- Choose a simple hairstyle
- Term life insurance rates for nonsmokers
- It gives you more room on credit cards
- GET MORE MILES, MORE BENEFITS WITH A DELTA CARD
- Trading requirements
- Saving for and buying a home
- 3. Get a companion pass
- 4. Choose the best retirement plan for you
- 2. Stock dividends
- Southwest Airlines
- Free travel advisors
- Average rates from the biggest auto insurers after an at-fault crash
- Step 3: Find a specialty — and stick to it
- 3. Refining
- Lower credit utilization
- 2022 credit card bonus categories
- Prime Day and Prime Early Access
- 5. Watch for burnout symptoms
- Cheapest full coverage car insurance in California for 20-year-olds
- Add-ons
- 3. Purchase the commodity ETF
- IHG One Rewards Premier Credit Card
- What about an HDHP with a health savings account?
- 4. Consider flipping investment properties
- Guaranteed issue life insurance monthly rates for men
- 7. Look for automation opportunities
- LifeLock cons
- 4. Confirm details and send transfer
- 8. Identity theft scam
- JetBlue Mint upgrades for Mosaic members
- Erie: Best in the Mid-Atlantic and Midwest
- Medicare Part D
- Leave the snacks at home
- Understand the value of the welcome bonus
- Downsides
- 5. Eatontown
- Savings and debt repayment
- VA funding fee
- 2. Subtract fixed costs
- 4. You cannot have claimed the home sale capital gains exclusion recently
- 3. "Currently-not-collectible" status
- Home equity lines of credit pros and cons
- How to avoid the hotspot scam
- Platinum Visa
- 4. Check out dividend-paying stocks
- Can I get approved with a freeze in place?
- Lodging prices are volatile
- 6. Don’t sell your losers just to get the tax break
- Volume, average volume and day’s range
- 1. Find a dividend-paying stock
- 3. Obtain the necessary certification and licenses
- Charitable contribution deduction
- 2. Gather required documents
- 8. IT consulting
- 7. National Association for Self-Employed (NASE) Growth Grants
- A decent base rate on all purchases
- Giving to charity
- Where to stash home-repair money
- 4. Marriott Bonvoy Boundless® Credit Card
- Use third-party tools
- 4. Help from robo-advisors
- Equity REITs
- 9. Medical expenses deduction
- Traditional, in-person financial planners
- Decide on a platform
- Book Avianca business class through partner programs
- How do I access a HELOC?
- 6. Hyatt Ziva Cancun, Mexico
- How to plan your inground pool installation
- 3. Place the trade
- 3. Use the P/E ratio to find potentially undervalued stocks
- Leave 30% of your income for wants
- A low- or no-deductible health plan might be right for you if:
- Poshmark
- Understanding your results
- Expensify
- Hotels in the Bahamas
- 3. States with progressive tax structures
- 7. Camp at Henderson Beach State Park
- Mortgage REITs
- Winner for the lowest fees: JetBlue
- Finding a listing in your price range can be tough
- Price
- Should you invest in retail stocks in 2023?
- Credit score for VA refinance
- 6. Up to $200 in annual hotel credit
- 5. Newborn and post-pregnancy services
- How can I qualify to borrow more?
- The $189 Clear membership credit
- Privacy
- United Airlines MileagePlus
- Among investment apps: Acorns
- 7. Built-in customer base
- Call and ask for better terms
- Construction loans to build a house
- TIPS funds
- Other Benefits
- Step 5: Get an EIN
- Use a transfer bonus for a one-way flight
- Making your choice
- 6. Buy online, pick up in store
- VantageScore ranges
- 3. Tap your home equity for a loan or line of credit
- Claim an annual IHG lounge membership as one of your IHG One Rewards milestone bonuses
- General travel cards
- The aggregate method
- Find preapproved auto loans
- Business loans are a good option if:
- 3. Consider insurance for flooding and earthquakes
- Earning as an elite member
- 6. Housecleaning
- 8. Protect your intellectual property (IP).
- How to get Turkish Miles&Smiles
- 4. Window seats with missing windows
- How we picked the airlines to evaluate
- Volatility
- 6. Home health care service
- 6. Gather your tools
- Where Trezor falls short
- You don't want to be at the mercy of an appraisal
- Emirates economy class checked baggage policy
- Are you comfortable asking questions?
- 2. Keeping some savings at a distance
- Google Maps
- Duplicate benefits for Premier status flyers
- Customer support
- Switch from an adjustable- to a fixed-rate loan
- 3. Make sure they’re a good fit
- 10. Make local guides
- 12. Edible Arrangements
- 4. Keep the deadline in mind
- 2. Pick which options to buy or sell
- 3. Land a brand deal and make sponsored content
- VA loan for energy efficiency (EEM)
- 4. Fiverr
- Andover Companies: Best coverage
- Casino and entertainment
- Obtain an EIN
- Organizational structure
- Splurge for a suite
- Revocable life insurance trusts
- Term life insurance rates for smokers
- It can create credit diversity
- MetLife: Best pet insurance for older pets
- 4. The tax advantages are prime for kids
- 3. Dividend reinvestment programs (DRIPs)
- Net worth of U.S. families by income
- Bridge loan
- Amber Grant for Women
- Fare flexibility/ticket changes
- Can you transfer Southwest points to airline partners?
- Sesame Cash
- 2021 credit card bonus categories
- 4. Grand Hyatt Kauai Resort & Spa
- Is it better to get a second mortgage or refinance?
- 5. Stay at Wyndham hotels
- How to roll over funds — and avoid tax missteps
- The cons
- Guaranteed issue life insurance monthly rates for women
- Contact your loan servicer if you know you’ll struggle with repayment
- 8. Prioritize company culture
- 9. Ghost tax preparer scams
- Before delaying
- Pack only one bag to carry on
- Price
- Free Wi-Fi
- 6. Paramus
- 6. No annual, late, or foreign transaction fees
- Costs
- 1. Review your credit and finances
- 5. You cannot have bought the house through a like-kind exchange
- Walmart Foundation
- You prefer booking flights directly through the airline
- Bond mutual funds = lower returns (but lower risk)
- Secured Card
- Switch to an income-driven repayment plan
- Was the information in your balance transfer application accurate?
- What if my mortgage closing is late and my credit refroze?
- $7.3 billion in bonded contracts were awarded to small businesses
- Unpaid interest is cancelled
- Payroll
- Ages 45 to 54
- Beta
- 9. Catering
- 8. Small Business Innovation Research and Small Business Technology Transfer programs
- Hot wallet
- Chubb
- Mortgage REITs
- 10. Deduction for state and local taxes
- How much does a HELOC cost?
- Mortgage rates
- 4. Take surveys for money
- 2. Evaluate the stock
- Part-year resident status rules
- The details
- 4. Barclays rewards
- Ruby Lane
- 6. Compare mortgage rates and fees
- ARM caps
- 5. Monitor your total credit utilization
- 4. Think about getting a second opinion
- 2. Gifting stock through a Roth IRA
- Best low-cost business expense tracker
- Use points to upgrade your seat
- 4. Real estate investment trusts (REITs)
- Pros
- Target Date Fund
- Home prices keep climbing
- Pay for Lightning Lane access
- Equifax business credit scores
- Step 4: Plan the business budget
- 4. Straightforward banking
- Pros of gold stocks
- 1099-A
- 7. Up to $300 Equinox credit
- 4. Integrated oil companies
- Pros of health care stocks
- Cheapest auto insurance in Florida for 20-year-olds with poor credit
- Singapore Airlines KrisFlyer
- Free unlimited photo storage with Amazon Photos
- Reduces profit and can be expensive
- Whole life insurance is expensive
- Scalability
- 8. Be your own boss
- Guarda: 4.6 out of 5 stars
- Mining, quarrying and oil and gas extraction
- 7. Get rewards
- 4. Avoid high fees
- 5. Track your transfer’s progress
- 3. Take stock of your assets and liabilities
- Book through certain luxury travel agencies, like Virtuoso
- 4. Replace your income, plus add a cushion
- Least crowded: December to February
- CardX
- What else should I know about Roth 401(k) taxes?
- 7. Housesitting
- Manual storage
- Penalties for nonpayment
- 3. Caesars Diamond status
- Negotiate for bigger discounts or freebies
- Exempt vs. nonexempt employees
- 7. Put the cash from the sale to good use
- When are taxes due in October?
- Seasonal Energy Efficiency Ratio (SEER) Rating
- 3. Ensuring returns without market risk
- 5. Plan for retirement
- 6. McDonald’s
- Native cryptocurrencies
- Top-tier status tops out at business class
- Is Apple Cash FDIC-insured?
- 5. Other Caribbean islands
- Consider Original Medicare if you:
- How to maximize your rewards
- CarFax
- 13. Firehouse Subs
- United Airlines
- Cheap auto insurance after an accident
- Excursions
- Hybrid REITs
- 5. Purchase the appropriate levels of insurance
- Your money management style
- 2. Promote your business
- But wait, there’s more
- 4. Pledge loyalty to a single airline
- Chase Payment Solutions
- 4. Special dividends
- Where to get preapproved for a car loan
- Net worth of U.S. families by age
- 2. Review your Loan Estimates
- What is Tesla Insurance?
- Allegation of use
- Use designated accounts for spending and savings
- 2020 credit card bonus categories
- Full coverage insurance
- Audi on Demand fair fueling promise
- Build your score and then switch cards
- Step 6: Get funding
- Income modeling
- 4. Think about getting a second opinion
- Gym workouts via the Planet Fitness app
- 3. Set a target purchase price
- 7. Florham Park
- Earning on partners
- Your strategy: Make a budget and stick to it
- 6. You cannot be subject to expatriate tax
- 9. Classify your workers properly.
- Which is better when?
- 5. Tradeoffs in the back of the aircraft
- How we chose the winner
- Payday loans and the Military Lending Act
- Rental car elite status
- 5. Explore new industries
- 7. Medical foot care
- 7. Fund your business
- You find it hard or impossible to get a mortgage
- 2. Healthy large-cap stocks
- Why it’s the best
- Some water damage
- How Marriott elites get access to United Silver status
- For frequent or high-end travel: The Platinum Card® from American Express
- 1. Diversification
- Human resources
- Higher-end hotels
- EPS (TTM) and earnings date
- 2. Evaluate the stock
- 10. Social media management
- 11. Mortgage interest deduction
- Choose your entry parameters
- 4. Capital One Travel
- 4. Review their fees
- 11. Create a local grocery delivery service
- Open a business bank account
- Rocket Money
- Best insurance company for affordability: NJM
- Buying a put vs. shorting example
- 5. Gather your paperwork
- You may still have to clean up after yourself
- Why it’s the best
- Cover your card charges
- 5. The money can be used for more than retirement
- Debt-to-income ratio
- Maintaining financial health
- Go early and stay late
- Central America
- Inverse performance
- Our pick for: Everyday spending
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- Cons of gold stocks
- National Association for the Self-Employed Growth Grant
- 1099-B
- Seat selection
- 8. $300 SoulCycle credit
- 6. Enrichment activities for children
- Cons of health care stocks
- Emirates Skywards
- Amazon Elements
- 2. Find the right location for your vending machine
- Cheapest minimum coverage car insurance in California for 20-year-olds
- Renovation loans to buy and repair fixer-uppers
- TreasuryDirect
- Why does the network matter?
- 5. Your existing credit cards
- 9. Build a website
- 8. Score free stuff
- Join the Qatar Airways Student Club
- 3. Subtract variable expenses
- 8. Errand-running
- Defaults and acceleration clause
- 1. Have a goal for your index funds
- You enjoy squeezing value out of travel credits and benefits
- Money market mutual funds = lowest returns, lowest risk
- Pay bills on time
- 1. Figure out your gross income
- 22% of businesses are owned by women
- Car rentals have one of the biggest price increases
- What is the Global Entry interview like?
- 3. You have a higher risk of developing negative equity
- Perkins loans
- Ages 55 to 64
- 9. Southern California Job Creators Grant
- Taking on excessive risk, speculation and debt
- Pros
- It’s a home, not an investment
- Hybrid REITs
- Online financial planning services
- 14. IHop
- 7. Marriott All-Inclusives
- American Airlines
- Commit 20% of your income to savings and debt paydown
- 3. Decide how much stock you want to buy
- Compare car insurance rates for 35-year-olds
- Disability housing grants
- Etsy
- Location
- Additional standard deduction 2023 (taxes due 2024)
- 8. Become a mermaid at Reefs & Wrecks Remembered
- 3. Gifting stock to friends and family
- Our pick for: Beginner-friendly features
- Irrevocable life insurance trusts (ILITs)
- Whole life insurance rates for nonsmokers
- Bonus features
- 5. Preferred dividends
- Net worth of U.S. families by race or ethnicity
- Book one to three months in advance
- Break down your results
- 5. Master limited partnerships
- Make a plan to pay off debt
- What if you can’t pay your bills?
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- 5. Alila Villas Uluwatu
- Pros of a personal line of credit
- Commodity ETF pros
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- It’s easier to get in touch
- Our pick for: Your choice of retailers
- Financial reviews
- Build student loan bills back into your budget
- 2. Know what’s ethical to you
- Trezor
- Referral program
- 7. Mastercard global payment network
- 4. Penalty abatement
- 10. Purchase workers' compensation insurance.
- What is the Buffett indicator?
- Bank of America Charitable Foundation
- Credit One Bank Wander Card
- How to complain about ECSI
- 8. Drug treatment/rehabilitation center
- Damage to certain items and parts of your home
- Make Money
- 2. Low cost
- Ex-dividend date
- 4. Find a (safe) day care facility
- 5. Southwest Rapid Rewards® Plus Credit Card
- Cold wallet
- The Hartford
- Carfax Car Care
- Retail arbitrage
- Free checked bags
- Schedule 1: Additional income and adjustments to income
- 12. Gambling loss deduction
- Plans and pricing
- Consider Medicare Advantage if you:
- Rewards rate
- Upgrade to Avianca business class using LifeMiles
- Acorns is best for:
- Acorns at a glance
- American Express
- 12. Start a virtual event planning company
- 4. Sit back and relax
- 4. Focus on market cap to screen out risky companies
- 4. Sell some merch
- Nonresident status rules
- Gratuities
- Hawaii weather and terrain
- Publicly-traded REITs
- 5. Focus on the long term
- In network
- 3. Learn the difference between investing in stocks and funds
- Shop with points via the American Express site
- Saving and investing for retirement
- 5. Split the family into different itineraries
- Cons
- Robo-advisor
- Universal life vs. whole life insurance rates for men
- Stay at a Disney resort hotel
- Experian business credit scores
- 5. Simplified business ownership
- Bizee’s Fresh Start Business Grant
- Baggage and boarding
- 9. Up to $240 in digital entertainment credit
- You can use credit card benefits to travel in basic economy
- MoCaFi
- British Airways Executive Club
- Gap insurance
- Amazon Family
- Not suitable for all businesses
- Etihad Guest Miles
- 6. Earn Wyndham points at Caesars casinos
- Exodus: 4.5 out of 5 stars
- Do you have preferred doctors?
- 5. Rent out a room
- Key differences between AD&D insurance and life insurance
- 9. Leave items in your cart
- Safety ratings
- USAA: Best for military and veterans
- 8. Morristown
- Chattel loans
- 4. Get quotes from at least three companies
- 9. Seasonal chores
- 2. Get pre-qualified
- You might also like:
- Jurisdiction and governing law
- How much dwelling coverage do I have?
- Keep credit utilization below 30%
- 2. Find your adjusted gross income
- Negotiate for policies in your favor
- 21% of businesses are minority-owned
- 3. Secure funding
- HEAL loans
- Benefits
- 3. Decide how much stock you want to buy
- Redeem hotel points
- 1. Examine your cooling needs
- If your employer doesn’t offer a 401(k) match
- What do I need for my loan application?
- 11. Business planning service
- 6. Optimize your finances with tax planning
- 7. Dunkin’
- Tokens
- Emergency passport appointments
- What are other ways to transfer Apple Cash?
- Apply for TRIP
- 15. Melting Pot
- Loan limits
- Tips for reducing the cost of an inground pool
- 5. American Express Membership Rewards
- Open a business credit card
- Additional standard deduction 2024 (taxes due 2025)
- 7. Gather your loan paperwork
- 2023 tax rates by state
- 6. Invest in the right equipment
- You're going to get "graded" as a guest
- Whole life insurance rates for smokers
- Account linking
- Fare flexibility/ticket changes
- 6. Dividend funds
- What you need to get preapproved for a car loan
- Net worth of U.S. families by education
- United Airlines
- 401(k) or other investment account loan
- Other VA refinance requirements
- 1099-C
- International trademark registration
- 2018 credit card bonus categories
- Cash value takes a long time to build
- Commodity ETF cons
- You and your things
- Good public customer service can boost a company’s credibility
- Utilities
- Honorable mention: Wellcare
- Hold IHG Royal Ambassador status
- 5. Focus on the long term
- Our pick for no-annual-fee cash back
- Purchasing a Plumeria Lounge day pass
- 8. Privacy and security
- 11. Make sure you’re in compliance with securities laws.
- How we assigned star ratings
- 2. Research index funds
- 4. Hilton Gold elite status
- Statement credits
- What Trezor is best for
- Restaurant spending consistently rises
- You'll come out ahead by investing the money
- After you're approved for Global Entry
- 3. Strong long-term returns
- Labor laws
- Ages 65 to 74
- 1-year target estimate
- 10. Stephen L. Tadlock Veteran Grant
- Step 3: Set up your business
- 1. Use a CD ladder
- Travel
- Publicly-traded REITs
- 13. IRA contributions deduction
- 1. Decide on an account type
- Don't forget the rules
- 5. Make money from your blog with affiliate links
- WANT TSA PRECHECK FOR FREE?
- 5. Upwork
- Medical care
- The following Southwest credit cards include upgraded boardings:
- 9. Go fishing at The Island Pier
- Example CD APYs at select institutions
- Out of network
- 1. Earn elite status
- Best business expense tracker for travel-related expenses
- Use points toward online purchases elsewhere
- 5. Money market funds
- Plan G vs. Plan N
- 1. Think long term versus short term
- Credit cards for earning American AAdvantage miles
- Universal life vs. whole life insurance rates for women
- Competition remains steady
- South America
- 10. $189 Clear credit
- 7. Mobile apps and entertainment for children
- Individual health care stocks
- Predictability
- Cheapest auto insurance in Florida for 20-year-olds with one speeding ticket
- Iberia Plus
- 2. Managing money
- Is a large network important?
- Explore other options for forgiveness
- 10. Beat burnout
- 10. Sign up for the mailing list
- 5. Stick with the market
- Reliability
- 4. Borrow from your 401(k)
- 4. Research your industry
- Predict your annual spend in bonus categories
- 3. Find ethical investments
- 1. Review your W-4
- 9. Moorestown
- Manufactured home mortgages
- 10. Selling handmade crafts
- 3. Gather necessary documents before you apply
- Borrower representations
- How to avoid the sign-up farm scam
- Keep credit accounts open
- 9. Childbirth services
- 8. Market your business
- 21.7% of business owners are immigrants
- Most of your basement
- Eureka
- 4. You could fall into a cycle of negative equity
- How United elites get access to Marriott status
- Workforce management
- Other accommodation options
- 5. Get insured
- 2. Time it right
- 12. Tax consulting
- Perks that have real value
- Schedule 2: Additional taxes
- During booking
- How to maximize your rewards
- CarGurus
- 13. Sell zero-waste products
- 16. Moe’s Southwest Grill
- Delta Air Lines
- Swappa, Gazelle
- Government bonds
- Money Manager
- Public non-traded REITs
- Patriot America Plus
- 6. Pick your investments
- Baggage and boarding
- Down payments and gift funds
- 6. Book hotel suites
- 5. Select your retirement investments
- How Tesla Insurance works
- Individual gold stocks
- 1099-CAP
- General partners
- Develop good credit habits
- 2017 credit card bonus categories
- Loss of control over payment collection
- Which is easiest to qualify for?
- For crypto: Crypto.com
- Overfunding a policy can be costly
- Cheapest auto insurance in California for 20-year-olds with poor credit
- 7. Host an event at a Wyndham property
- 1. Restricting regulations
- Leaving your money in your old 401(k)
- Get your finances in order
- Resident status rules
- National Processing
- 4. Set aside a contingency fund for unexpected costs
- How we verified our data
- Make 10 years' worth of payments
- 1. 'I’ll wait until the stock market is safe to invest.'
- Moving averages
- 11. Feed the Soul Foundation's Restaurant Business Development Program
- Filing status
- Bars
- How long do things last?
- 2. Open a no-penalty CD
- biBERK
- 14. 401(k) contributions deduction
- 2. Choose the right broker
- Can I transfer Apple Daily Cash money to my bank account?
- Book round-trip flights
- Fleet expense management tools
- 5. Do a final check
- Cheapest car insurance after a DUI
- 3. Predict the option strike price
- 5. Offer memberships
- Average annual car insurance costs from large companies
- Security
- Redeem for gift cards
- ASPCA: Best pet insurance for younger pets
- Watch the calendar
- Appraisal fee
- 2. Look into tax-loss harvesting
- 3. Loan processing takes over
- 1. Avoid filing your tax return on paper
- Taxes
- Venmo Small Business Grant
- Responding to trademark office actions or oppositions
- Earnings rates
- 11. Reimbursement of application fees for TSA Precheck or Global Entry
- Pros:
- 4. Open your account
- 6. Andaz Mayakoba Resort Riviera Maya
- Study methodology
- Winner for ease of miles: Air Canada
- Coinbase Wallet: 4.4 out of 5 stars
- What’s next?
- 1. Personalize your fitness business
- 11. Use referral programs
- Customer satisfaction
- Get elite status and lounge access
- Ledger
- Theme parks
- 10. Hackensack
- 9. Modern style
- 11. Making greeting cards
- 5. Hiring a tax relief company
- 12. Follow email regulations.
- Is the Buffett indicator high or low right now?
- How to get ANA Mileage Club miles
- You enjoy the red carpet treatment
- How to settle a dispute with ECSI
- Space out credit applications
- Trezor at a glance
- Entertainment expenditures see price increases, too
- Additional resources:
- For Apple Pay users: The Apple Card
- Parent PLUS loans
- Talent
- 3. Look for equipment rebates and tax credits
- 1. Stocks
- 6. United℠ Explorer Card
- 8. Pizza Hut
- Public non-traded REITs
- 14. Make products for pets
- 17. P.F. Chang’s
- Property standards
- Colorado child tax credit (COCTC)
- 6. Capital One Rewards
- Chubb: Best for high-value homes
- Laundry
- 1. Automate transfers
- Weather in the Bahamas
- The following Southwest credit cards offer EarlyBird Check-In perks:
- 8. Get a preapproval letter
- 6. Take advantage where you can
- Winner for the best basic economy tickets: JetBlue
- 2. Use credit card statement credits to offset Frontier seat fees
- 4. Create your digital footprint as a life coach
- How to use Samsung Pay
- Use your Chase Ultimate Rewards® points
- Low-down-payment mortgage
- 1099-DIV
- Set a price alert
- 8. Shared accessories and attire
- Perks await when you fly economy with elite status
- Dave
- 2016 credit card bonus categories
- Infinite banking is complicated
- 8. Book car rentals with Budget
- Cons of a personal line of credit
- Shop around for lenders
- Calculating miles you’ll earn on an Alaska flight
- Carnegie Corporation
- Covenants
- How are my belongings covered?
- Open a business bank account and credit card
- 3. Add back certain deductions particular to MAGI
- 10. Medical billing service
- Small businesses in the leisure and hospitality industry experienced a 9.6% loss in establishments
- Living expenses if you can’t stay at home
- InboxDollars Surveys
- What happens if you are declined?
- Reimbursement
- Earned income
- Offerpad Flex
- 3. Try a bump-up CD
- 7. Invest to build your future goals
- Stablecoins
- Schedule 3: Additional credits and payments
- Got more questions about how to open an IRA? We have answers
- 5. Research the stocks
- Startup costs
- Find your niche
- 10. Stroll the Okaloosa Island Boardwalk
- Our pick for: Fixed monthly payments
- Seat selection
- Donate to charity
- 3. Sell your castoffs
- Set cash aside
- Plan G vs. Plan F
- Dividend per share (DPS)
- Discount points
- Europe
- 2. Get direct deposit
- 12. Up to $100 in statement credits annually at Saks Fifth Avenue
- Cons:
- Health care stock ETFs
- Could be responsible for debt if customers don’t pay
- Construction
- 12. Write a review
- 6. Take advantage where you can
- 2. Make sure your bonus is actually taxable
- Water parks
- Methodology
- 5. Determine your profit
- 12. Art teacher
- 4. Apply online
- SeatGuru
- 3. Pick your index funds
- NASCAR American Express Card
- 2. 'I’ll buy back in next week when it’s lower.'
- Monitor your credit reports
- 5. Repair and maintenance costs increase with a car’s age
- Employee experience
- Seniors that are good drivers
- 6. Get a business checking account and credit card
- 13. PR agency
- 12. Chicagoland Job Creators Quest Grant
- Tactic 3: Use your military benefits
- Dropshipping
- 15. Saver’s credit
- Avoid traveling to certain countries
- 15. Create custom clothing
- 18. Pinkberry
- Aeroplan
- How quickly could the IRS implement the child tax credit expansion?
- 6. Sell your wares on Etsy
- Colorado earned income tax credit (COEITC)
- Spa services
- AndroMoney
- How to have more taxes taken out of your paycheck
- Private REITs
- Amica vs. State Farm home insurance
- No-exam life insurance rates for nonsmokers
- Customer support
- 3. Hold the shares inside an IRA, a 401(k) or other tax-advantaged account
- 4. The underwriter makes a decision based on your documentation
- Stocks
- Solar panel incentives by state
- Gold stock ETFs
- Upgradability
- Rebook if you find a cheaper price
- Rapid Rewards Shopping
- Invest in your financial future
- Cheapest auto insurance in Florida for 20-year-olds with one at-fault crash
- 2015 credit card bonus categories
- Air Canada Aeroplan Points
- 9. Book tours and activities
- Other people and their things
- Know your health insurance terms
- General cost
- 13. Make sure your investors are accredited.
- Retail business applications increased by 87%
- Full details about Trezor's ratings
- You'll need the cash for other things
- Vehicles
- Wash sale rules
- Support and resistance
- Use free night certificates
- Finding a photo provider
- Expenses
- Hiscox
- 3. Open the account
- 6. Mexico
- 5. Kiwi
- Our pick for: Cell phone and internet bill payments
- The details
- Describe your products and services clearly
- Example money market account APYs at select institutions
- 7. Don’t neglect your finances
- Prudence's policy:
- FHA appraisal
- 6. High-yield savings accounts
- Dividend yield
- 5. Decide how you’ll work with clients
- Step 5: Register the business
- 3. Stay on top of things
- Our pick for: Flat-rate travel rewards
- The Amplifier Grant
- 1099-G
- 13. Walmart+ Monthly Membership Credit
- Pharmacy choice
- New car replacement coverage
- Cheapest auto insurance in California for 20-year-old drivers with one speeding ticket
- Get prequalified
- 13. Dispute charges
- Part-year resident status rules
- Income approach
- 3. Use tax deductions
- Other attractions
- 10. Monthly installment plan
- Your strategy: Use leverage where you have it
- Appendix: How the math works in our examples
- 13. Musician
- Our pick for: Utilities, commuting and more
- Miscellaneous
- Is there enough liability coverage?
- WWE Credit Card
- Look for outside funding
- 11. Nutritionist/dietitian
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- Google Opinion Rewards
- Mobile
- Home equity loan
- 2. Funds
- 8. Grow your financial well-being
- 9. Denny’s
- Private REITs
- 16. Health savings account contributions deduction
- After booking
- Crypto.com is best for:
- Crypto.com at a glance
- Cars.com
- 19. Pizza Hut
- China Airlines
- 4. Determine the option time frame
- Can you pay estimated taxes at any time?
- 6. OfferUp
- 7. Citi ThankYou Points
- Wireless internet
- 2. Count your coins and bills
- 11. Shop local at the Downtown Fort Walton Beach Farmers Market
- Best insurance company for accident forgiveness: Geico
- No-exam life insurance rates for smokers
- Earning rates
- Consider using a retirement account
- Hilton
- Fly on off-peak days
- Escrow account funds
- Prepared to put down roots?
- A new way to buy and sell
- 2014 credit card bonus categories
- 7. Hôtel Du Palais Biarritz
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- Trust Wallet: 4.3 out of 5 stars
- 2. Make your fitness studio a place to hang out
- Manufactured home pros
- 5. Buy your home insurance policy and read it closely
- 6. Finalize your business budget
- 5. Avoid errors on your loan application
- How should investors use the Buffett indicator?
- Ford Foundation
- USAA vs. State Farm home insurance
- Resident status rules
- Apply for PSLF forgiveness
- 3. 'I’m bored of this stock, so I’m selling.'
- 4. International and emerging markets bonds
- 14. Professional organizing
- Zero-interest credit card
- 7. Delta SkyMiles® Gold American Express Card
- Elite status
- Benefits
- Capital One
- 16. Sell vintage clothing online
- 4. Find your gate
- Build a relationship with your supplier
- How to have less taxes taken out of your paycheck
- 9. Choose a real estate agent carefully
- Offer great customer service
- Scenario: Doctor visits and an MRI
- 4. Set a budget for your stock market investment
- User experience
- 4. Earn badges through Live videos
- Compare Medigap plan types
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- Bonds
- The risks and rewards of each
- 3 disadvantages of sole proprietorship
- Utility-based clean energy incentives
- 1099-INT
- M1
- How much can you borrow?
- Cash out your 401(k) — which is rarely recommended
- Hire a builder
- Pros of a 203(k) loan
- 5. Enter a debt management plan
- American Family
- 4. Contribute to a tax-advantaged account
- 14. Music lessons
- How to get Virgin Atlantic Flying Club miles
- Signatures
- 5. Discounted hotel rates
- Vegas Golden Knights Credit Card
- Transportation and warehousing business applications grew by 100.7%
- 4. Buy the property
- Integrations
- Use the Best Fare Finder and pay in cash
- Seniors with an at-fault accident
- Cost basis calculations
- 7. Get financing
- 13. Beyond Open Small Business Grant Program
- Forks
- 17. Self-employment expenses deduction
- 4. Fund the account
- How to maximize your rewards
- 20. Red Robin
- Cheapest auto insurance for poor credit
- 1Money
- Amica vs. Geico home insurance
- 4. One more thing to know about your tax refund
- FedEx Small Business Grant Contest
- Be flexible with destination, airport and dates
- Learn more about SBA loans:
- Rapid Rewards Dining
- 9. Shared home improvement equipment
- 5. Choose investments that match your tolerance for risk
- Just the car
- Higher premiums, more coverage
- Manufacturing
- Earning as a Mileage Plan elite
- 14. Establish a privacy policy.
- 4. Decide where to buy your index funds
- What are the deductibles?
- How to avoid the interest rate scam
- 12. Alternative health care
- 4. Set a budget for your stock market investment
- Swagbucks
- How to transfer Marriott points to United miles
- 15. Photography
- How to maximize your rewards
- Drawbacks
- 17. Begin niche blogging
- Japan Airlines
- 7. Self-publish an e-book
- Vanguard 500 Index Fund (VFIAX)
- What happens if I forget to pay my quarterly taxes?
- Allstate vs. State Farm home insurance
- 3. Prep for grocery shopping
- Corporate bonds
- Be reactive and flexible
- Past years' state tax rates
- Reviews
- Upgradeability
- Flood determination and monitoring fees
- 5. Your loan is cleared to close
- Africa
- 1. No liability protection
- 14. Access to the American Express Global Lounge Collection at airports
- Cheapest auto insurance in Florida for 20-year-olds after a DUI
- 3. Find your vending machine
- 10. Shop online through the Wyndham Rewards shopping portal
- 3. Ongoing investment
- Get preapproved
- Cons of a 203(k) loan
- Nonresident status rules
- Asset-driven approach
- Methodology
- Our pick for foodies
- Manufactured home cons
- 15. Farmers market vendor
- Coca‑Cola Foundation
- Google Flights
- Medicare enrollment periods
- Where is the best place to exchange currency?
- Home equity line of credit
- 3. Sukuks
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- Home equity financing
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- 9. Estate planning: Protect your financial well-being
- 10. Ben & Jerry’s
- 18. Home office deduction
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- Refinancing
- 8. Bank of America® rewards
- How much is auto insurance after an at-fault accident?
- How to use a W-4 to owe nothing on a tax return
- 10. Narrow down your ideal type of house and neighborhood
- 12. Go snorkeling at Stingray Bay
- Safe Travels USA
- Our pick for: An upgrade path
- AKC: Best pet insurance for pets with pre-existing conditions
- 7. CDs
- Dividend payout ratio
- Pay with cash and points
- Is Tesla Insurance worth it?
- Mutual funds
- Tory Burch Foundation Fellows Program
- 1099-K
- For overall similarity: Webull
- Cheapest auto insurance in California for 20-year-old drivers with one at-fault crash
- MetaMask: 4.0 out of 5 stars
- Price
- Payday loans
- 1. Live in the house for at least two years
- 15. Create a company handbook.
- Best Friends Credit Card
- How do you get a perfect credit score?
- 23% of business owners cite inflation as their single most important problem
- SAVE benefits available by October 2023
- 14. Bizee Fresh Start Business Grant
- 5. Help your kid decide what to invest in
- Wix
- Singapore Airlines
- Vanguard Total Stock Market Index Fund (VTSAX)
- 5. Wait at the gate
- Allstate vs. Geico home insurance
- Amex EveryDay® Credit Card
- Mortgage insurance
- 6. Price your services
- Government recording fees
- How's your job security?
- Middle East
- 15. Centurion Lounge Complimentary Guest Access
- Stash
- When do you have to pay it back?
- Winner for most fare class options: Air Canada
- Enroll in the Always Audi program
- Lower premiums, higher out-of-pocket
- 5. Defer your bonus
- Earning on partners
- 16. Candle maker
- USAA vs. Allstate home insurance
- How do I find a currency exchange near me?
- 13. Health information website
- 4. Fixed-income and dividend-yielding investments
- 5. Secure a gas supplier contract
- Book Emirates economy fares on points
- Golden crosses and death crosses
- 16. Event space
- 19. Educator expenses deduction
- Edmunds
- 18. Become an e-book writer
- 22. Wingstop
- How can I make paying quarterly taxes easier?
- 7. Poshmark
- Country Financial: Best for using an agent
- Scenario: Trip to the ER
- Rewards rate
- 5. Build a community
- Marriott
- Save
- Avianca LifeMiles
- 4. Potential for conflict
- Get final approval
- 3. Incorporate data into your services
- Our pick for: Simplicity
- State Farm vs. Allstate home insurance
- Pawnshop loans
- 2. See whether you qualify for an exception
- Part-year resident status rules
- 40% of small-business owners note trouble filling jobs
- SAVE benefit starting in February 2024
- 15. Venmo Small Business Grant
- Homebuying
- 401(k) loan
- How to maximize your rewards
- Pros
- An example of buying a call
- Vanguard Total Bond Market Index Fund (VBTLX)
- Choose your niche
- Property-based passive income ideas
- Build in a layover
- Loan-origination charges
- Asia
- Exchange-traded funds
- 2. Harder to get financing and business credit
- 10. Vacation rentals
- 1. Become a World of Hyatt member to earn Hyatt points for your stay
- Small business loans
- Wholesale trade
- Market approach
- 17. Retail arbitrage
- 16. Hire competent legal counsel.
- Economic events
- Home Depot Foundation Veteran Housing Grants Program
- How to enroll in Medicare
- Amortization
- 5. Buy index funds
- Where can you exchange currency for free?
- Hurricanes and tropical storms
- Is my home at risk of flooding?
- Greater level of automation
- Seniors with a speeding ticket
- Cash-out refinance
- 17. Interior decorating
- 11. Edible Arrangements
- 20. Solar tax credit
- Shopify
- 6. BookWithMatrix
- 23. Red Lobster
- 8. Get advertising revenue from your blog or YouTube channel
- 13. Experience the fun at Crab Island
- 5. Focus on investing for the long-term
- 1099-LTC
- 16. Upgrade to Marriott Bonvoy Gold Elite status
- 1. Choose a stockbroker
- State Farm vs. USAA home insurance
- Auto Club Group
- Car title loans
- 3. Keep the receipts for your home improvements
- 14. Medical supply sales
- SAVE benefits available by July 2024
- 16. U.S. Chamber of Commerce America's Top Small Business Awards
- 4. Gold and other precious metals
- 8. The Platinum Card® from American Express
- Cons
- 19. Start ghostwriting
- Vanguard Balanced Index Fund (VBIAX)
- Allstate vs. Farmers home insurance
- 4. Minimize restaurant spending
- Selling a put example
- The cabin
- Cryptocurrency pros
- Mortgage insurance or fees for government-backed loans
- Are you financially prepared?
- Our pick for: Customizable bonus categories
- Acorns
- 2. Use a Hyatt credit card during your stay to earn even more points
- Equity financing
- Cheapest auto insurance in California for 20-year-old drivers after a DUI
- 11. Take online surveys with Opinion Rewards Panel
- 5. Lack of financial privacy
- 3. Building a budget
- Electrum: 2.5 out of 5 stars
- 18. Graphic designer
- Earnings
- USAA vs. Geico home insurance
- 73% of business owners feel the impact of supply chain issues
- 5. Focus on investing for the long-term
- 6. Obtain necessary permits and licenses
- Data sync across all systems
- Which one should I take?
- 18. Woodworking or furniture building
- Hurricanes and tropical storms
- Design
- 21. Energy efficient home improvement tax credit
- Webull is best for
- Webull at a glance
- 1. Decide what type of investor you are.
- An example of buying a put
- Compare car insurance rates for drivers with a DUI
- Hurricanes
- Check out the competition
- Best insurance company for having few customer complaints: American Family
- 8. Establish a marketing plan for growth
- 8. Buy a rental property
- 7. Invest in continuing education
- How much is a Tesla?
- Gifting large sums of money to family
- Oceania
- Step 6: Find and maintain clients
- 1099-MISC
- 17. Upgrade to Hilton Honors Gold status
- 11. Electronics repair
- Invest
- Cheapest full coverage car insurance in Florida for 30-year-olds
- Are the proceeds taxable?
- Use Audi on Demand rewards points
- Nonresident status rules
- Annual percentage rate, or APR
- How to avoid the overcharge scam
- Flooding
- 17. EBay Up & Running Grants
- Complete financial plan and investment advice
- 20. Become a resume writer
- Vanguard Growth Index Fund (VIGAX)
- 11. Stick to your budget
- Our pick for: No security deposit, low annual fee
- Pay off debt
- American Express® Green Card
- 2. Fund your account
- 4. Explore your financing options
- 12. Purchase Wyndham points
- 4. Specialize in a type of workout or demographic
- 19. Technology tutor
- Clif Family Foundation
- How to get British Airways Avios
- Airline fleet pages
- 6. Keep an eye on your index funds
- 15. Stylish uniforms for medical professionals
- 65% of small-business owners expect revenue to increase
- Sample rates for return-of-premium life insurance
- Don’t forget the fifth-freedom flights
- Seniors with a DUI
- Personal loan
- 5. Real estate
- 12. Cinnabon
- 22. Electric vehicle tax credit
- 24. American Eagle
- UNLOCK AIRPORT LOUNGES WITH THE RIGHT CARD
- The details
- Cryptocurrency cons
- Hyatt
- Pest inspection
- 3. It’s harder to sell your business
- Floods
- 18. Money-saving perks for stays booked through The Hotel Collection
- Business grants
- Is the interest paid tax-deductible?
- Retail trade
- State Farm vs. Progressive home insurance
- California earned income tax credit (CalEITC)
- Automated Clearing House, or ACH
- 7. Get business insurance
- How to transfer United miles to Marriott points
- Testing a resistance level
- Methods of payment
- 19. Graphic design
- 18. Grants.gov
- Wholesaling
- How to maximize your rewards
- Used Car Search Pro by iSeeCars
- 21. Open a coworking space
- Conventional loans
- Cheapest car insurance for young drivers
- Vanguard Small Cap Index Fund (VSMAX)
- 5. Get discounts on entertainment
- CoverAmerica-Gold
- 6. Manage your stock portfolio
- Home purchase: Basic Home Mortgage 203(b)
- 9. Rent out your own house
- Paying for vacations, cars or other stuff
- 1099-NEC
- Albert
- 1. Access to capital
- Pay with a Visa Infinite card
- Earning as a Mosaic elite
- 20. Blogger
- 16. Hearing aid dispensary
- 55% of business owners expect all accepted payment methods to eventually become digital
- Seating areas
- Specialized guidance and/or want to meet with an advisor face-to-face
- 25. Anthropologie
- Our pick for: Maximized value
- 9. Become an Instagram influencer
- Avoid taking on more debt
- Average of sample monthly rates for dogs
- Prepaid expenses
- 19. Complimentary benefits through Fine Hotels & Resorts
- 3. Do your research
- Pay off debt
- Address any lingering questions
- How to compare life insurance quotes
- California young child tax credit (YCTC)
- Balloon payment
- 6. Manage your stock portfolio
- 8. Market yourself
- Employee engagement
- 20. Clothing boutique
- 6. Cryptocurrency
- Flooding
- 9. Capital One Venture Rewards Credit Card
- Vanguard Total International Stock Index Fund (VTIAX)
- Figure out how long each job takes
- Average car insurance costs after a speeding ticket
- 1. Has the W-4 form changed?
- Credit cards
- FHA refinance loans
- Tesla repair costs
- Giving a laid-back loan
- Cheapest minimum coverage car insurance in Florida for 30-year-olds
- 4. Saving money
- 5. Get your studio on social media
- Auto-Owners
- Our pick for travel
- 21. Podcaster
- Our pick for: Your choice of expenses
- 17. Respite care service for caregivers
- 21.6% of small businesses cite a large negative effect on business due to the pandemic
- Winter weather
- Won’t the government help?
- Bring the kids
- 19. GrantWatch
- 13. Dairy Queen
- 22. Become an online coach
- 26. Banana Republic
- FHA loans
- Hail
- 6. Map out major purchases
- 12. Make the most of walk-throughs and open houses
- Wait to apply
- Average of sample monthly rates for cats
- 10. Get a roommate
- 1099-OID
- 4. Buy the stock
- 12. Academics courses
- Cheapest full coverage car insurance in California for 30-year-olds
- 2. Efficient growth
- Life insurance quotes vs. rates
- California child and dependent care tax credit
- Robust third-party integrations
- 21. Bed and breakfast
- Work spaces
- Portfolio management only
- 6. Board the airplane
- American Express® Gold Card
- Tax monitoring and research fees
- Setting up joint bank accounts
- Earthquakes
- Transportation and warehousing
- 22. Social media influencer
- Kubota Hometown Proud Grant Program
- Blanket lien
- 18. Medical marijuana dispensary
- Other details you should know about Trezor
- 8. Hire staff
- 23. Flip failing websites
- 27. DSW
- 2. Choose how much you want to invest.
- NJM: Best small regional insurer
- 2. What does it mean to be exempt from taxes?
- Our pick for: No security deposit, low annual fee, potentially high credit limit
- Alternative investment passive income ideas
- 1. What does "sole proprietor" mean?
- 1099-PATR
- 20. Free shipping with ShopRunner
- Monzo
- Repeat
- Use a credit card with rental car collision damage waiver
- 6. You'll need to wear many hats
- California adoption cost tax credit
- How to avoid the skim scam
- Wildfires
- 22. Food truck
- Direct sourcing
- 10. Monetize your Twitch channel
- FHA renovation loans
- Title-related costs
- Step 7: Invest in advertising and expanding
- Our pick for: Bank of America® customers
- Wildfires
- 3. Minimal employee supervision
- Ledger: 5.0 out of 5 stars
- Fully underwritten life insurance
- 23. Live-streaming gamer
- Co-signer
- Halal investing resources
- Bathrooms
- 14. Cold Stone Creamery
- TrueCar
- 24. Become a web developer
- 28. J. Crew Factory
- Cheapest auto insurance for senior drivers
- Tornadoes
- Cold plates and made-to-order meals
- 7. Restrict online shopping
- Best insurance company for financial strength: Auto-Owners
- 2. Can a sole proprietor have employees?
- 1099-Q
- 21. Concierge service
- 13. Language courses
- Cheapest auto insurance in Florida for 30-year-olds with poor credit
- California nonrefundable renters tax credit
- NYC tax rate schedule
- How do I start a health care business?
- 96% of small-business owners have business bank accounts
- Is Trezor right for you?
- Spot vs. Pumpkin pet insurance
- Step 4: Look for funding options
- 10. Hilton Honors American Express Aspire Card
- Above-the-line deductions
- 3. Gather your paperwork.
- Referrals
- Average car insurance costs after a DUI
- 13. Don’t skip the home inspections
- Other specialty FHA loans
- 11. Peer-to-peer lending
- Cheapest minimum coverage car insurance in California for 30-year-olds
- 7. Hire excellent staff
- Our pick for: Seasonal spending
- 24. Photographer or videographer
- Amazon Web Services (AWS) Imagine Grant
- Curtailment
- 1. Take a driving class
- 23. Restaurant or cafe
- 25. Start a podcast
- 29. Journeys
- Pros
- 3. Does a sole proprietor need an EIN?
- 1099-R
- 22. Low fares through the International Airline Program
- 5. Stock your vending machine with inventory
- 4. Increased brand awareness
- Information
- Farmers
- Earning as an A-List elite
- How do I start a home health care business?
- 9. Write your day care contract and policies
- Veteran Business Outreach Centers
- 7. Retrieve your luggage
- Wildfires
- 3. When should I review my W-4?
- The Platinum Card® from American Express
- Greenlight
- Trezor: 4 out of 5 stars
- Simplified issue life insurance
- 25. Web designer
- Default
- 60% reported no impact from recent bank failures
- How we review crypto wallets
- 24. Craft brewery
- Below-the-line deductions
- 26. Be a social media influencer
- 30. Madewell
- Leverage social media
- 8. Delay purchases with the 30-day rule
- Dividends and preferred stock
- 4. How do you change from sole proprietor to LLC?
- 1099-S
- 23. Savings with the Cruise Privileges Program
- 5. Reduced risk
- How do I write a business plan in health care?
- Spot vs. Healthy Paws
- 4. Pick your investments.
- 11. Sell your photography
- Compare auto insurance rates for drivers with poor credit
- The details
- 14. Negotiate with the seller
- Our pick for: Average credit and rewards
- Pros
- 12. Private equity
- 14. Business or marketing courses
- Cheapest auto insurance in Florida for 30-year-olds with one speeding ticket
- 26. Transcription
- Deferred payment loan
- 2. Choose a car that’s cheap to insure
- Private labeling or white labeling
- 31. Old Navy
- 4. Can I adjust my W-4 multiple times throughout the year?
- Food and drinks
- Real estate agent commissions
- Cons
- 24. Car Rental Privileges
- Cheapest auto insurance in California for 30-year-olds with poor credit
- Guaranteed issue life insurance
- 25. Ice cream shop
- Service-Disabled Veteran-Owned Small Business Program
- 27. Create online courses
- The bar
- 9. Get creative with gifts
- Selling bonds
- 1099-SA
- 6. Make the right investments
- SafePal: 3.8 out of 5 stars
- Finance and insurance
- Our pick for luxury perks
- Factor rate
- 32. Target Circle
- Our pick for: Prime gaming
- 8. Exit the airport and enjoy your trip
- USAA: Best for military and veterans
- Tips for finding your first client
- Property and transfer taxes
- Our pick for: Paying rent
- 25. Deals through the Amex Auto Purchasing Program
- Step
- 27. Data entry
- Over half of small businesses have $50,000 or more in their business banking accounts
- 9. Familiarize yourself with your day-to-day responsibilities
- 3. Protect your car
- 26. Personal chef
- 28. Become a marketing consultant
- 15. Buy adequate home insurance
- American Express® Business Gold Card
- Cons
- 15. Personal wellness
- 1. Loss of complete brand control
- The Hanover
- What should you do if you’re invested in these REITs?
- Boots to Business
- Best insurance company for discounts: Amica
- Elite status program
- 13. Crypto staking
- Title insurance
- 26. An extra point when booking Platinum Destinations Vacations
- Cheapest auto insurance in Florida for 30-year-olds with one at-fault crash
- 28. Create an app or online game
- Our pick for: Earning more automatically
- State Farm Good Neighbor Citizenship Company Grants
- 27. Landscape services
- How to maximize your rewards
- 10. Lower your car costs
- Cheapest auto insurance in California for 30-year-old drivers with one speeding ticket
- Methodology
- 29. Develop an app
- 33. Aveda
- Apple Cash: digital card
- Our pick for: Average credit and no annual fee
- 27. Additional value through the InCircle rewards program
- 2. Increased potential for legal disputes
- Real estate, rental and leasing
- Interest-only payment loan
- 4. Get credit for driving less
- 28. Pet grooming
- Institute for Veterans and Military Families
- Step 5: Invest in product and tools
- Winner for lowest fees: Spirit
- 12. Become a dog walker with Rover or Wag
- Look up the insurer’s financial strength
- Majority
- 5. Maximizing your credit cards
- Your house
- 34. BareMinerals
- Refreshment stations
- 11. Reduce your gas usage
- 28. AmEx Carbon Emissions Tracker
- 16. Courses in hobbies or interests
- Google Ad Grants
- Loan-to-value ratio
- 29. Florist
- Making items yourself
- 30. Make a smart appliance
- Average annual car insurance costs for drivers with good vs. poor credit
- Benefits of FHA loans
- If you’d rather be a free agent
- Cheapest auto insurance in Florida for 30-year-olds after a DUI
- 3. Initial investment
- Your location
- 5. Raise your deductible
- Veteran Women Igniting the Spirit of Entrepreneurship
- 35. Clinique
- Cash App debit card
- The Business Platinum Card® from American Express
- What’s covered — and what’s not
- Product creation passive income ideas
- Cheapest auto insurance in California for 30-year-old drivers with one at-fault crash
- Our pick for: Gas and discount shopping
- Nationwide
- 31. Tap into virtual reality experiences
- Disadvantages of FHA loans
- Research the insurer’s reputation for customer service
- Comun
- Professional, scientific and technical services
- Loan underwriting
- You and your stuff
- 30. Massage therapist
- 36. CVS
- 13. Sell unused gift cards
- 1. Look at customer satisfaction scores
- 12. Bundle cable and internet
- 29. The Global Dining Access by Resy
- 17. Bookkeeping and accounting
- 4. Federal and state regulation
- 6. Drop coverage you no longer need
- Veteran Institute for Procurement
- 32. Make a niche dating site
- Individual stocks
- Our pick for: Limited credit
- 14. Write content
- The Unless Project
- Prepayment penalty
- 37. e.l.f. Cosmetics
- Roth IRA withdrawal rules
- 2. Consider financial strength
- Erie: Most generous coverage
- 30. Exclusive events
- Hold the right cards
- 33. Develop a chatbot
- 13. Switch your cell phone plan
- Cheapest auto insurance in California for 30-year-old drivers after a DUI
- Principal
- 7. Consider bundling your insurance policies
- 31. Nutritionist
- Office of Small & Disadvantaged Business Utilization
- 38. Lancome
- Roth IRA withdrawal penalty
- Our pick for: Target gaming purchases
- 3. Evaluate the policy options
- Best insurance company for customer satisfaction: State Farm
- Winner for the best business class experience: Tie
- Reimbursement
- 31. An open invitation to events with Membership Experiences
- 18. Consulting
- Bunq
- Cheapest full coverage car insurance in Florida for 40-year-olds
- Pros
- 6. Borrowing money
- Management of companies and enterprises
- 34. Offer matchmaking skills
- 14. List your spare bedroom on Airbnb
- Compare insurance rates for drivers with an accident
- State Farm
- Refinancing
- 32. Personal trainer or fitness instructor
- 39. Sephora
- Dividend stocks
- 32. A better view with American Express Preferred Access
- Cons
- 8. Shop around for coverage
- State and local governments
- 35. Be a virtual assistant
- 4. Get prices from a handful of companies
- 14. Reduce your electric bill
- Aldi Cares Community Grants
- Servicing
- 40. SmashBox
- How much is auto insurance for young drivers?
- Our pick for: Good credit
- 15. Publish a digital course
- Totem
- Our pick for: Wholesale shoppers
- 33. Beauty services
- Play by the rules
- Cheapest minimum coverage car insurance in Florida for 40-year-olds
- Administrative and waste services
- 36. Reinvent exercising
- 41. The Body Shop
- 15. Lower your student loan payments
- 19. IT support
- Cheapest full coverage car insurance in California for 40-year-olds
- 34. Life coach
- Car-related passive income ideas
- 33. No foreign transaction fees
- Zendesk Tech for Good Impact Awards
- Step 6: Hire staff
- Understand the guest policy
- 37. Create eco-friendly, health-friendly makeup and beauty products
- 42. Ulta
- Nationwide: Best online experience
- Travelers
- Read the fine print and ask questions
- 15. Sell your gently used clothes
- 16. Cancel unnecessary subscriptions
- Best insurance company for military members: USAA
- 34. Upgrade with points
- Our pick for: Superstore loyalists
- 38. Open a food truck or restaurant pop-up
- What is a prepaid debit card?
- Waiting periods
- 16. Wrap your car with ads
- 20. Graphic design
- Cheapest auto insurance in Florida for 40-year-olds with poor credit
- Educational services
- 35. Tutor
- Step 7: Set your pricing
- Our pick for: Travel
- 35. No preset spending limit
- Cheapest minimum coverage car insurance in California for 40-year-olds
- The Audacious Project
- 39. Start an organization business
- 43. AMC Theatres
- 17. Refinance your mortgage
- Reviews
- 36. Daycare provider
- What is a prepaid credit card?
- Average annual car insurance costs for young drivers by company
- 17. Rent out a parking space
- 36. A lower annual fee on additional cards
- Standard (nonbank) neobanks
- Look out for red flags
- Know how to navigate the SFO airport (to literally get inside)
- 40. Do interior design for young professionals
- 44. Barnes & Noble
- Our pick for: Walmart gaming purchases
- 16. Trade in old phones, electronics for cash
- Where can you get a prepaid card?
- 18. Set savings goals
- Entertainment
- 37. CreditSecure
- 21. Social media management
- Cheapest auto insurance in Florida for 40-year-olds with one speeding ticket
- Health care and social assistance
- Wells Fargo nonprofit grants
- 37. Senior care provider
- 45. Redbox
- Cheapest auto insurance in California for 40-year-olds with poor credit
- How to compare renters insurance
- Openly: Fewest consumer complaints
- How do you add money to a prepaid card?
- Neobanks that are online banks
- Work with a business attorney
- 38. Interpreter or translator
- Our pick for: Instant gratification
- Which prepaid card is best?
- 39. Housecleaning
- Step 8: Create an online presence
- 17. Get a babysitting gig
- 19. Track spending
- 38. Cell phone protection
- 22. Marketing copywriter
- Cheapest auto insurance in Florida for 40-year-olds with one at-fault crash
- Arts, entertainment and recreation
- Our pick for: Paying rent
- Digital wallets with banking services
- Cheapest auto insurance in California for 40-year-old drivers with one speeding ticket
- 1. Review your mission
- 39. Purchase protection
- 7. Your credit score
- 40. Automotive repair
- 1. Gather your information
- 20. Pay off high-interest debt
- 23. Virtual assistant services
- 2. Refine your search with keywords
- 40. Return protection
- Our pick for: Doorstep delivery fans
- 41. Handyman services
- Our pick for: PlayStation purchases
- 18. Rent out your car
- Fintech firms with cash management accounts
- Cheapest auto insurance in Florida for 40-year-olds after a DUI
- Accommodation and food services
- 21. Keep savings in a high-yield savings account
- Our pick for: Personalized rewards
- 41. Extended warranty
- Cheapest auto insurance in California for 40-year-old drivers with one at-fault crash
- You have a roommate
- If you want both brand-specific perks and flexible points
- 3. Narrow down based on location
- 42. Dry cleaners
- State Farm: Best perks
- Spa and gym
- 42. Baggage insurance plan
- Step 9: Serve up delicious foods
- 2. Choose the right liability car insurance coverage levels
- 22. Create a 50/30/20 budget
- 43. Hardware store
- 43. Car rental loss and damage insurance
- 1. Do your research
- Other services (except public administration)
- You’re on a tight budget
- 4. Look for organizations with similar values
- 19. Sign up for TaskRabbit
- Cheapest auto insurance in California for 40-year-old drivers after a DUI
- 44. Self-storage business
- 44. Premium Car Rental Protection
- 2. Get organized and make it official
- Cheapest full coverage car insurance in Florida for 50-year-olds
- You would want new items if your belongings were destroyed
- 5. Consider hiring a grant writer
- 45. Freelance copywriting and content creation
- 23. Shop consignment and thrift stores
- 45. Trip delay insurance
- 46. Rideshare driver
- 20. Become a private tutor
- 46. Trip cancellation and interruption insurance
- 3. Find the right financing
- You own expensive jewelry or electronics
- Cheapest minimum coverage car insurance in Florida for 50-year-olds
- 47. Website development and design
- Cheapest full coverage car insurance in California for 50-year-olds
- 47. Premium Global Assist Hotline
- Our pick for: Groceries at your door
- 48. Sell clothes online
- Our pick for: Best Buy purchases
- 3. Decide if you need full coverage car insurance
- You’re a first-time home buyer
- 24. Join initiatives to get free items
- You have a dog
- 21. Drive for Uber, Lyft
- Wi-Fi
- 8. Taxes
- 49. SEO consultant
- Cheapest auto insurance in Florida for 50-year-olds with poor credit
- Airport lounge access
- Cheapest minimum coverage car insurance in California for 50-year-olds
- Trip cancellation
- 50. App development
- You live in a high-risk area
- 25. Use car sharing services
- Cell phone protection
- Trip interruption
- 22. Make deliveries for Amazon, Uber Eats
- Purchase protection
- Cheapest auto insurance in Florida for 50-year-olds with one speeding ticket
- You have a dog
- 26. Stock up on household supplies when they’re cheap
- Cheapest auto insurance in California for 50-year-olds with poor credit
- Trip delay
- 9. Paying off debt
- 4. Collect and compare car insurance quotes
- In-flight extras and checked bags
- Return protection
- 23. Find work as a housesitter
- Extended warranty
- Cancel For Any Reason
- You own valuable items
- 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
- Our pick for: Digital Microsoft Store purchases
- Baggage delay
- Global Entry and TSA PreCheck
- Car rental loss and damage insurance
- 24. Sign up to be a mystery shopper
- You own an older home
- 28. Cash in on your birthday
- Trip delay insurance
- Cheapest auto insurance in Florida for 50-year-olds after a DUI
- Lost baggage
- Bonus points on spending
- Cheapest auto insurance in California for 50-year-old drivers with one at-fault crash
- Trip cancellation and interruption insurance
- Travel medical insurance
- 25. Put your drone to work
- Compare car insurance companies
- Cheapest auto insurance in California for 50-year-old drivers after a DUI
- Cheapest full coverage car insurance in Florida for 60-year-olds
- Trip insurance benefits
- Conditions common to your dog’s breed
- 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
- Car rental coverage
- Cheapest auto insurance in Florida for 60-year-olds with poor credit
- Cheapest minimum coverage car insurance in California for 60-year-olds
- Wellness expenses
- 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 Florida for 60-year-olds with one at-fault crash
- Cheapest auto insurance in California for 60-year-old drivers with one speeding ticket
- Wellness expenses
- Cheapest auto insurance in Florida for 60-year-olds after a DUI
- Cheapest auto insurance in California for 60-year-old drivers with one at-fault crash
- 11. Investing
- 1. Check whether your pet is eligible
- 2. Research what’s covered
- 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 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 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
- Cheapest auto insurance in Florida for 70-year-olds with one speeding ticket
- 12. Starting or running a business
- Cheapest auto insurance in California for 70-year-olds with poor credit
- 6. Examine extra costs
- Cheapest auto insurance in Florida for 70-year-olds with one at-fault crash
- Cheapest auto insurance in California for 70-year-old drivers with one speeding ticket
- 7. Compare quotes
- 13. Travel
- 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 California for 70-year-old drivers after a DUI
- The NerdWallet Smart Money podcast
- 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