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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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- Can you buy your policies from different companies?
- Cash-out refinance
- Parents or grandparents with dependents
- United States to New Zealand with a stopover in Nadi with Fiji Airways
- Fidelity Investments
- Company assets
- 4. Monitor and adjust your spending
- Trust Wallet
- 3. The earnings rates
- 3. Required minimum distributions
- Pro: It’s easier to qualify
- Credit Karma
- How Clear works at the airport
- Contest
- 5. Event planning
- 2. Pass the exam
- 1. Look at the company’s price-to-earnings ratio and market cap
- DTI ratio examples
- Total private
- Country Financial: Best for using an agent
- 2. Pick an investment account
- 2. Skip the Saturday wedding
- 4. A 25% boost when redeeming for travel via Chase
- 2. Choose a rollover IRA provider
- Prepaid items
- You often borrow other people’s cars
- Pros
- Unlimited music streaming
- IdentityForce cons
- Where Trust Wallet shines
- HMBradley
- UFB Direct: Best savings account
- Bank of America® Premium Rewards® Elite credit card
- FSA contribution limits 2023 and 2024
- 1. Can the borrower pay its bonds?
- Chase Freedom Flex℠ and Chase Sapphire Preferred® Card
- Fly on the holidays (or as far from it as possible)
- No collateral required
- 6. Adoption credit
- Step 4: Refine your withholdings
- If you're 59½ or older and the account is at least 5 years old
- 2. Pricing and fees
- Priceline guarantees occupancy for only two people per room
- 2. Choose an investment account
- 3. Evaluate other factors
- Step 3: Obtain Texas business permits
- 3. Franklin, Tennessee
- Managing debt
- 1. Multiply your income by 10
- Hold a co-branded credit card — or two
- Earning status through credit cards
- Economic Development Administration
- Diversification through index funds and ETFs
- You’ll only fly Frontier once or twice per year
- Lower fees
- Bonus offers for new cardholders
- 2. Find and compare ETFs with screening tools
- SBA loans
- Research refi options now
- Ask why your car was repossessed
- Effects of reinsurance
- Center for Women Entrepreneurs StartHER Grant
- The cons
- Should you refinance your student loans?
- Consider whether you want a referral system of care
- DTI for VA loan
- Average annual life insurance rates for women
- 7. Curate subscription boxes
- 3. Set up balance alerts to stay on top of spending
- Earning rates
- 4. You get the best perks when you rent midsize or better cars
- How much does an abortion pill cost?
- 3. Register your business name and entity
- 3. Cancun, Mexico, for spring break
- The $200 airfare credit
- Free fitness training
- Pros
- It’s surprisingly easy to get approved
- What happens if Spirit cancels your flight?
- Consider getting an annual pass
- Cost of paint and materials
- How often you travel
- 6. Riot Platforms Inc.
- 2. Fit4Mom
- Winner for reliability: Spirit
- Conventional mortgages: As low as 3% down payment
- 5. StockFetcher
- Appraisal and inspection fees
- 92% of loyal customers ranked price and value for the top reason why they stay loyal to brands
- Delta Choice Benefits for Platinum status (select one)
- 3. Bermuda
- 4. Cash out your 401(k)
- Best insurance company overall: Travelers
- Directly from the U.S. government through the TreasuryDirect website
- 2. You must have owned the home for at least two years
- How to test the battery health of a used EV
- 3. Learn to use AI tools
- Cons of tech stocks
- Average 401(k) match
- PenFed: Best for a seamless application process
- Establishing domicile
- 2. Set a stock trading budget
- Your current mortgage payoff
- Step 2: Choose your market
- Reduced basic economy restrictions
- The percentage method
- 4. Rent at an off-airport location
- Blue Cash Everyday® Card from American Express
- What fees do Chase checking accounts have?
- Documentation
- CD penalty
- Our pick for: Intro APR + high rewards on everyday spending
- Mortgage insurance
- ETF cons
- Down Payment Assistance Program
- Food and entertainment
- 1. States with no income tax
- Size
- Part-year resident status rules
- Where Ledger shines
- 5. Profits
- 5. Domestic and international stocks
- Lengthen the repayment term
- 2. Incorporation fees: Under $300
- Services that charge renters
- Resident status rules
- 4. No annual fee
- Smaller annual fee
- Ask for early check-in or late checkout
- 2. Calculate the future earnings from a new CD
- Serving parents, babies, and small children
- How to dispute a medical bill on your reports
- How much coverage should you buy?
- General liability insurance
- 3. Community First Fund
- Craigslist, Facebook Marketplace, Nextdoor, OfferUp
- Make sure the price is right
- Other options if you don’t have enough miles today
- United States to Mauritius with Condor
- 5. Connect to members of your community, old and new
- Additional financing
- Theme and feel
- Delta credit cards with free baggage
- Free product with purchase
- Was it in any accidents?
- 6. Video production
- 3. Gain professional experience
- 3. Budget for emergencies
- How many credit card balances are you transferring?
- Ink Business Preferred® Credit Card
- 3. Try a nontraditional venue
- 5. A $50 hotel credit
- 2. Take a cut with affiliate marketing
- Cons
- Factor in unforeseeable medical expenses
- Recommendations
- 4. Food delivery services
- Buying a put example
- Can you travel domestically with an expired passport?
- Whole Foods deals
- Equity vs. debt
- 3. Legitimize your operations
- Vio Bank: Best money market account
- 3. Swagbucks
- Do tipped workers earn the minimum wage?
- 5. Teach others a skill
- 3. Pentagon Federal Credit Union (PenFed) Rewards
- Rates can be lower than credit cards
- Allow up to 50% of your income for needs
- Homeownership Program
- 7. Earned income tax credit
- Step 5: Sign and date your W-4
- New Jersey
- Other fuel cards to consider
- Reasons for unfreezing your credit
- Forever homes
- It can be difficult to actually find the best price
- For passports issued more than a year ago
- Choosing corporate tax status for your LLC
- Intuit TurboTax
- Annual fees
- 4. Prepare your car and complete the sale
- There is a pro-rata rule for backdoor Roths
- If you are converting your 401(k) to an IRA
- LifeLock pros
- But wait, there’s more
- How long will it take to pre-qualify?
- Step 3: Buy the gold ETF
- Robocalls
- Building your credit score
- 3. The RealReal
- IHG Fourth Night Free
- 4. You can earn Hilton Honors status without ever staying a night in a Hilton property
- You're competing against other buyers
- 2. Set a target for future earnings growth rate
- Hotels in Hawaii
- 4. Max out your retirement accounts
- Gas bill
- 1. Making money
- 3. Banking on cryptocurrency
- 5. Planet Fitness
- Winner for ease of miles: Qatar Privilege Club
- FICO 8 is the most widely used among lenders
- Cash deposits
- 4. Personal trainers
- The Federal Student Aid Information Center
- Learn more about Zelle
- 4. Leverage your content
- How this calculator works
- Zengo Wallet: 4.8 out of 5 stars
- Adult children
- Average annual life insurance rates for men
- Pros
- Personal property coverage
- 1. All Nippon Airways
- Typical cost for a flagship family plan with unlimited data
- Wants
- 3. Don’t use the money
- Con: You’ll likely pay much more than you get
- The $400 Hilton Resort credit
- Goodbudget
- The policy involves three different people
- 2. Organize your documents
- Cons
- 1. Derivatives
- Forgiveness comes sooner
- 3. Decide how many shares to purchase
- 7. Advanced Micro Devices Inc.
- Win a gig and get to work
- 4. Personal business loans
- 4. Home health services
- How to protect a copyright
- FHA loans: As low as 3.5% down payment
- Global Assist hotline
- Step 4: Get necessary permits and insurance
- 1. You'll share responsibility for paying
- 69% of consumers say choice of retailer is influenced by where they can earn customer loyalty/rewards program points
- International travel with an adult
- Enjoy flexibility when booking hotel stays
- Delta Choice Benefits for Diamond status (select three)
- 3. Personal training and sports coaching
- 3. You must have lived in the house for at least two years in the five-year period before you sold it
- Fewest complaints: Progressive
- 3. Find the right location
- Stock mutual funds = higher potential returns (or losses)
- Pros
- Extended replacement cost
- Why it’s the best
- How does Wag work?
- Does Chase have a free checking account?
- Appraisals
- CDs at a bank vs. credit union
- LendingTree Spring
- Crashes and car theft
- Mission Lane Cash Back Visa® Credit Card
- Step 4: File a certificate of formation
- 4. Smyrna, Georgia
- 2. Buy 10 times your income, plus $100,000 per child for college expenses
- Best business expense tracker for transportation businesses
- What’s your tolerance for risk to personal assets?
- Avoid optional big expenses
- Online appointment booking
- 6. Explore all options for reaching customer service
- Grant databases
- 4. Select a provider to open your Roth IRA
- 2. Convenient perks you can use at the airport
- To review several cruise prices at once: CruiseDirect
- 6. Lower risk
- Lower pricing
- Tap into equity
- Part-year resident status rules
- 5. Enticing sign-up bonus
- 3. Consider buying the dip
- Find out if you can get your repossessed car back
- Can I register a prepaid debit card for someone else?
- Wheels and maneuverability
- Eligible properties
- Easter Island
- Investing in prohibited industries
- Premiums
- Michael Novogratz
- Cash redemptions
- Upgradeability
- Personal loan calculator
- 6. Michigan Veteran Entrepreneur-Lab
- 2. Evaluate add-ons and endorsements
- Traditional human financial advisors
- Customized workout plan
- How much does Clear cost without the Delta discount?
- Spin the wheel of offers
- 7. Podcasting
- 4. Adhere to the ethical standard
- Prepare for a future tax bomb
- 2. Target undervalued sectors
- 6. Combine points from multiple cards
- Lower risk
- You rent cars frequently
- Returning the car
- Website reviews
- What factors affect the amount you can borrow
- Size of the AC system
- Free games
- Where to get auto insurance quotes
- Where Trust Wallet falls short
- Oportun
- HSA contributions
- How to maximize your rewards
- Ages 20-24
- Brokerage fee
- The problem
- Cheap car insurance after a speeding ticket
- Free checked bags
- Home repairs
- 8. Charitable donation deduction
- Taxes
- Our pick for: No credit check at all
- Selling your home to Opendoor
- Delta premium economy luxury amenity kit
- Working toward financial goals
- 5. Research first-time home buyer assistance programs
- Cheapest minimum coverage car insurance in Florida for 20-year-olds
- Low Interest Rate Program
- Holiday decor and attire
- The Parking Spot
- Earning status through flying
- Payroll and sales
- 6. Growth and value stocks
- You can redeem miles for almost any type of travel
- Chairman's Club (invite only)
- Texas State Trade Expansion Program
- Commercial property insurance
- 4. Small Diverse Business Capital Access Program
- Submit PSLF employment certification forms
- 8. Create an airport-centric app
- Citi Dividend
- Cons
- 4. Pay your bill before your issuer reports to the credit bureaus
- 3. Upgrade your seats
- Family plans on a budget
- Exodus
- 4. Catch-up contributions
- 4. Register your marijuana business and obtain licenses or permits
- 4. Aruba in August
- The $100 Conrad or Waldorf Astoria property credit
- What is the car’s ownership history?
- Use credit card points
- Gameway - Terminal B
- Agriculture, forestry, fishing and hunting
- 4. Narrow in on a business that aligns with your budget, goals and resources
- 8. PayPal Holdings Inc.
- 3. Move the money
- 1. Fill out the DS-11 application form
- 5. Friends and family
- 3. Chem-Dry
- Jumbo loans: As low as 5%-10% down payment (varies)
- Tactic 2: Use points or miles
- 5. Wedding services and products
- Capital gains vs. fixed income
- 4. U.S. Northeast-Canada
- Cons
- Navy Federal: Best for military members
- Cost (and quality) of living
- On-time payments help build credit
- 3. Fewer business fees
- Elite benefits on basic economy fares
- 3. Airline alliance membership
- Tips for unfreezing your credit
- Chase Freedom Flex℠
- Types of CDs
- Other student loan calculators
- Snail mail
- 5. Round Rock, Texas
- Our pick for: Online purchases
- 3. Use the DIME formula
- Equity REITs
- 1. Find a dividend-paying stock
- Dun & Bradstreet business credit scores
- Gas and EV charging stations
- 2. States with flat income tax rates
- Building a portfolio with stocks and bonds
- 3. Office space: $100 to $1,000 per employee per month
- Business credit cards
- Nonresident status rules
- 6. 0% introductory annual percentage rate on purchases
- 6. Orangetheory Fitness
- FICO is the go-to for mortgage lenders
- Use storage facilities at an airport or a train station
- The pros
- Academic consulting services
- Take surveys
- 1. Fill out a mortgage application
- UCC lien on specific collateral
- Travel redemptions
- 5. You can rent cars with Enterprise for Emerald Club credits
- 3. Wells Fargo
- 1. Consult an expert
- Tax credits
- 3. Expedia
- 1. Decide how much help you want
- Group training sessions and group classes
- Cards that offer Clear statement credits
- 4. Tackle high-interest debt
- How large is the balance you are transferring?
- Universal Studios Hollywood
- 4. Place your order
- 4. Negotiate unexpected costs
- The actual expense method
- Loan term
- Publications and sponsorships
- 2. Your credit could suffer if the relationship changes
- Mortgage and title insurance fees
- Installation and labor: $75 to $250 per hour
- Can you fly with an expired passport to another country?
- Purchase a pass
- 4. Get more options as a non-U.S. entrepreneur
- FSA contributions
- 4. You cannot have claimed the home sale capital gains exclusion recently
- How we picked the brands to evaluate
- Moving costs
- A lawsuit
- 9. Medical expenses deduction
- Step 3: Find a specialty — and stick to it
- 5. Use a peer-to-peer car rental service
- There are major differences between the website and the app
- What is the Chase checking account minimum balance requirement?
- Redeem points for hotel stays
- LifeLock cons
- Saving for and buying a home
- Charitable donations and tips
- Exclusive content for members
- 7. JetBlue could put you on another airline
- 4. Check out dividend-paying stocks
- Nonresident status rules
- Other potential factors
- Get rid of FHA mortgage insurance
- 4. Not reporting income from an all-cash business or illegal activities
- Superior rewards-earnings
- 3. Take the difference between new CD gains and the first CD’s losses
- What about an HDHP with a health savings account?
- Small-business owners
- 9. Become a destination wedding planner
- 3. Obtain the necessary certification and licenses
- Giving to charity
- Home equity lines of credit pros and cons
- Cheapest full coverage car insurance in California for 20-year-olds
- Copays, coinsurance and deductibles
- 6. Plan a safe travel route
- Savings and debt repayment
- 4. The value of its rewards currency
- 7. National Association for Self-Employed (NASE) Growth Grants
- Decide on a platform
- 8. IT consulting
- 3. Do your research
- Erie: Best in the Mid-Atlantic and Midwest
- 1. Do all or some of the work yourself
- Your points earnings
- 9. CME Group Inc.
- 7. Transfer points to airline and hotel partners
- 2. Gather required documents
- 6. Self-funding
- 6. Fidelity
- Prime Day and Prime Early Access
- 4. JetBlue Airways
- Prepare and complete
- 1. Find a dividend-paying stock
- Winner for lowest fees: Southwest
- Term life insurance rates for nonsmokers
- What Trust Wallet is best for
- Get a new member bonus
- Emirates Skywards Premium World Elite Mastercard®
- How to plan your inground pool installation
- Guaranteed replacement cost
- 3. Learn to use market orders and limit orders
- Leave 30% of your income for wants
- The aggregate method
- How it works
- 4. Consider extra coverage
- Expensify
- Damage you do to others
- Texts and social media
- What types of homes does Opendoor purchase?
- Other perks of Delta premium economy
- 6. Frisco, Texas
- Mortgage REITs
- Police and Firemen’s Retirement System Mortgage Program
- 4. Grailed
- Should you invest in retail stocks in 2023?
- 3. States with progressive tax structures
- You don't want to be at the mercy of an appraisal
- Prior claims
- 3. Use the P/E ratio to find potentially undervalued stocks
- Where Ledger falls short
- Lower fares than everyone else (six per reservation)
- 7. Built-in customer base
- Hotels in the Bahamas
- 3. Place the trade
- Fly bags for free with elite status
- 5. Newborn and post-pregnancy services
- Can I get a refund for the card?
- Price
- Business interruption insurance
- 5. Sell your stuff
- 5. Freedom Credit Union
- Understanding your results
- Poshmark
- Choose term life if you:
- Participate in the dining program
- Emirates economy class checked baggage policy
- GET MORE MILES, MORE BENEFITS WITH A DELTA CARD
- How much could refinancing save you?
- 3. Consider insurance for flooding and earthquakes
- 3. Tap your home equity for a loan or line of credit
- The $189 Clear membership credit
- You can’t build credit with the loan
- Does it have a clean title?
- 5. Use the venue's resources
- Private mortgage insurance
- Friend and family loans
- You frequently use a car-sharing service
- Step 5: Get an EIN
- 6. Dropshipping business
- How can I qualify to borrow more?
- 4. Furniture restoration
- 4. Fiverr
- 5. You cannot have bought the house through a like-kind exchange
- Highest customer satisfaction: State Farm
- 4. Get the appropriate licenses and permits
- Bond mutual funds = lower returns (but lower risk)
- Alternative and rehabilitative treatment
- Movin’ Up Loan Program
- 10. Deduction for state and local taxes
- What are the requirements for Wag?
- Better cash back redemption value
- Many Priceline bookings are absolutely nonrefundable
- What is the Chase direct deposit requirement for checking accounts?
- 3. Turn to qualitative stock research
- Popular Chase credit cards
- 2. Pick which options to buy or sell
- Walmart Foundation
- Equity-based crowdfunding
- Apply for aid
- Revocable life insurance trusts
- Andover Companies: Best coverage
- 5. Optimize for tax implications
- Switch from an adjustable- to a fixed-rate loan
- 4. Inventory: 17% to 25% of your total budget
- 7. Primrose Schools
- Is it better to get a second mortgage or refinance?
- It takes more than a yard sign
- Switch to an income-driven repayment plan
- 10. Make local guides
- Blanket lien
- 4. Redeem AAdvantage miles for merchandise, other travel and more
- On-site dining
- 8. Small Business Innovation Research and Small Business Technology Transfer programs
- 5. Education savings and loan debt
- Free Wi-Fi
- 9. Catering
- Was the information in your balance transfer application accurate?
- Unpaid interest is cancelled
- Net worth of U.S. families by income
- 2. Consider premium paints
- 3. Land a brand deal and make sponsored content
- 7. Venture capital
- Traveling with expired passport rules during COVID
- Term life insurance rates for smokers
- International travel as an unaccompanied minor
- Sesame Cash
- Blue Cash Preferred® Card from American Express and Wells Fargo Active Cash® Card
- How we chose the winner
- 4. Take surveys for money
- Investing in individual tech stocks
- Ages 25-34
- The solution
- 6. Find local gigs through Nextdoor
- 4. Barclays rewards
- Delta Companion Certificate
- 4. Straightforward banking
- Step 4: Plan the business budget
- Spend only what you can afford
- Chase Freedom Unlimited®
- Free online tax filing software compared
- Pros
- Conventional loans
- Deductibles, limits and payouts
- 7. Alpharetta, Georgia
- 4. Replace your income, plus add a cushion
- 6. Compare mortgage rates and fees
- Cheapest auto insurance in Florida for 20-year-olds with poor credit
- Best low-cost business expense tracker
- Mortgage rates
- Citi Prestige® Card
- 2. Evaluate the stock
- Equifax business credit scores
- Payment processing with Stripe
- The details
- Fast Park & Relax
- Target Date Fund
- Coverage and deductibles
- 8. Be your own boss
- Credit cards that earn World of Hyatt points
- If you're eyeing a Companion Pass or A-List Status
- Look for other storage solutions near you
- Open for Business Grant Program in Houston
- Elder care services
- Cons
- Guarda: 4.6 out of 5 stars
- Ruby Lane
- People who want to cover their final expenses
- Choose whole life if you:
- 1099-A
- 5. Monitor your total credit utilization
- Loss of use coverage
- What are your options?
- More about investment fees
- 6. You can opt to earn airline miles or hotel points — but it’s probably not worth it
- 4. Alert authorities to fraud
- You don't want to risk sold-out cars
- 5. Register to pay taxes
- 5. Las Vegas for Labor Day
- 3. Take stock of your assets and liabilities
- 5. Plan for retirement
- Mining, quarrying and oil and gas extraction
- 5. Do your due diligence
- 8. Worldwide acceptance
- Part-year resident status rules
- Property taxes
- You drive a company car
- 3. You'll have fewer options
- Seasonal Energy Efficiency Ratio (SEER) Rating
- Free unlimited photo storage with Amazon Photos
- Other student loan calculators
- Stay at a Universal resort
- Trust Wallet at a glance
- 5. Other Caribbean islands
- 6. You cannot be subject to expatriate tax
- Behavioral therapies
- Stock trading fee
- Cheap auto insurance after an accident
- 4. Practice with a paper trading account
- Borrowers may need strong credit and income
- Why it’s the best
- 11. Mortgage interest deduction
- No more elite earnings on basic economy fares
- 4. Available credit card offers
- When are taxes due in October?
- 5. Get a quote
- Injuries to you
- 2. Promote your business
- But wait, there’s more
- AvantCard Credit Card
- Draft an LLC operating agreement
- How to buy a home with Opendoor
- Payday loans and the Military Lending Act
- Hybrid REITs
- Down Payment Assistance Loans
- How do you want the IRS to tax your business profits?
- 8. Don’t forget about credit card travel protections
- More American sweet spots
- You find it hard or impossible to get a mortgage
- Cheapest life insurance companies for smokers in fair health
- 5. Explore new industries
- Commercial lending
- 7. No foreign transaction fees
- 4. Think about getting a second opinion
- 1. You avoid having the IRS do it for you.
- Is a prepaid debit card ever a good idea for a new graduate?
- 6. Mid Penn Bank
- Which is better when?
- 2. Review your Loan Estimates
- 5. Additional perks and benefits
- 2. Figure out whom and how much you owe
- Your money management style
- Gym workouts via the Planet Fitness app
- Choose your entry parameters
- How did you arrive at this price and is it negotiable?
- 10. Social media management
- 4. Explore emerging industries
- Net worth of U.S. families by age
- 5. Keep an eye on your investment
- 3. Prep the space yourself
- The simplified version
- 4. Jazzercise
- Step 6: Get funding
- 7. Food truck
- 2. Evaluate the stock
- Best insurance company for affordability: NJM
- Money market mutual funds = lowest returns, lowest risk
- Alaska
- 7. Freelance
- How much does Wag pay?
- You won’t earn loyalty points or enjoy elite status with hotel stays
- Closed-loop cruises
- Where to get it
- Rocket Money
- 8. Fishers, Indiana
- Maintaining financial health
- Our pick for: Everyday spending
- Pay the security deposit upfront in cash
- Home improvement stores
- 5. Gather your paperwork
- Spend on airline credit cards with built-in baggage perks
- 8. Kiddie Academy
- 6. Enrichment activities for children
- The cons
- Size
- Why does the network matter?
- 2. Find the right location for your vending machine
- 11. Create a local grocery delivery service
- Pros
- Taking on excessive risk, speculation and debt
- 1099-B
- Cheapest minimum coverage car insurance in California for 20-year-olds
- 1. Have a goal for your index funds
- Hotel Recreation
- 9. Southern California Job Creators Grant
- Saving for a rainy day (or a fun one)
- Emissions and efficiency
- 4. Capital One Travel
- JetBlue credit cards with free baggage
- How to get Clear membership at no cost for you and a family member
- The lender has a history of customer complaints
- Hawaiian Airlines-JetBlue partnership
- Elite status benefits and goals (or lack thereof)
- Homeowners insurance
- 8. Angel investors
- You need an SR-22 or FR-44 form
- Perkins loans
- What is the Global Entry interview like?
- Pay bills on time
- Buying a put vs. shorting example
- Amazon Elements
- 5. La Compagnie
- Inverse performance
- Why you might roll a 401(k) into an IRA
- UBS Visa Infinite Card
- Health savings accounts (HSAs)
- How to maximize your rewards
- Compare car insurance rates for 35-year-olds
- Most coverage options: Allstate
- 4. Register for taxes and obtain an EIN
- Book one to three months in advance
- Congenital or hereditary conditions
- Commit 20% of your income to savings and debt paydown
- Home warranty
- 12. Gambling loss deduction
- Legal protection
- What's next?
- Our pick for: Beginner-friendly features
- Annual grocery spend is less than $6,000
- Transfer points to other programs
- First trimester
- Stay during promotions
- 3. Decide how much stock you want to buy
- Bank of America Charitable Foundation
- Make Money
- Irrevocable life insurance trusts (ILITs)
- For budget-friendly options: Priceline
- 6. Invest for more than retirement
- What if you can’t pay your bills?
- 5. Marketing: Below 10% of your total budget (even 0%)
- 2. You can pay your tax bill in installments.
- Verizon Small Business Digital Ready Community Grant
- Reducing or waiving your collision deductible
- Etsy
- Disability housing grants
- Co-signers or co-owners of debt
- Shop online
- Note: Qualifications have been adjusted for 2021
- Leverage elite status
- 4. Find a (safe) day care facility
- Schedule 1: Additional income and adjustments to income
- 4. U.S. Bank
- Trezor
- 6. Saver's tax credit
- 6. Get funding
- Bonus features
- Referral program
- Can I take it for a test drive?
- Gameway - Terminal E
- Net worth of U.S. families by race or ethnicity
- Additional standard deduction 2023 (taxes due 2024)
- 1. How long you have to rollover a 401(k): The 60-day rule
- Rewards rate
- Whole life insurance rates for nonsmokers
- Full details about Trust Wallet's ratings
- There's really no incentive to do so
- 5. House painting
- How to maximize your rewards
- You can use credit card benefits to travel in basic economy
- Citi Premier® Card and Citi Custom Cash® Card
- How we assigned star ratings
- Increase your debt load
- 5. Simplified business ownership
- How much dwelling coverage do I have?
- Plan to own any home for at least a few years
- 3. Learn the difference between investing in stocks and funds
- Cons
- What do I need for my loan application?
- 9. Milpitas, California
- Saving and investing for retirement
- Publicly-traded REITs
- 5. Vestiaire Collective
- Experian business credit scores
- Discounts on Delta award flights
- Robo-advisor
- 4. Focus on market cap to screen out risky companies
- What Ledger is best for
- Free airfare for kids on some flights
- Hawaii weather and terrain
- 3. Invest in companies that financially support racial justice
- 4. Sit back and relax
- 8. Rental car coverage
- Book a sightseeing tour
- Animal care services
- Do you have preferred doctors?
- Allstate
- Exodus: 4.5 out of 5 stars
- 12. Start a virtual event planning company
- Itemize your deductions using credit card tools
- 2. American Airlines
- Fare flexibility/ticket changes
- You might be able to reserve a car now — and rebook the same one later at a discount
- 3. Know your budget
- 4. Get quotes from at least three companies
- 2. Open an investing account
- 2. Digital assets
- 11. Business planning service
- Redeem hotel points
- 6. Optimize your finances with tax planning
- Chattel loans
- USAA: Best for military and veterans
- American Express
- 4. Get competing bids
- How much does it cost?
- 6. Go paperless
- 9. Coverage if your trip is canceled or delayed
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- 4. Sell some merch
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- 8. Tutor your peers
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- Liberty Mutual vs. State Farm home insurance
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- 1. Stocks
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- 7. Elite status can be hard to get except through a credit card
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- United credit cards with free baggage
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- You surrender the policy
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- Most tech-friendly: Geico
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- 6. Capital One Rewards
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- Carnegie Corporation
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- Chubb: Best for high-value homes
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- 1099-DIV
- Schedule 3: Additional credits and payments
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- The Club DFW
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- What happens if you are declined?
- Submit every year
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- Dave
- Which credit cards to use for primary coverage
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- Our pick for: Fixed monthly payments
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- 11. Cell phone protection
- 6. Take advantage where you can
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- 3. Japan Airlines
- 3. Pick your index funds
- 12. Chicagoland Job Creators Quest Grant
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- You sell the policy
- Plan G vs. Plan F
- 13. PR agency
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- Tactic 3: Use your military benefits
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- 6. Sell your wares on Etsy
- Ages 55-64
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- Stocks
- Third trimester
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- Consider vacation rentals
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- How much administrative complexity can you handle?
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- For booking travel experiences beyond the cruise: TripAdvisor
- Other general-purpose travel card reviews
- Check out peer-to-peer lending
- Cons
- 11. Snap-On Tools
- Automobile maintenance and repair
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- 15. Create custom clothing
- 4. The underwriter makes a decision based on your documentation
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- 4. Research your investments with care
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- Colorado earned income tax credit (COEITC)
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- 6. Mexico
- 3. Stay on top of things
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- 16. Health savings account contributions deduction
- Step 5: Register the business
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- Our pick for: Cell phone and internet bill payments
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- Appendix: How the math works in our examples
- The details
- Most Delta upgrades are from economy to premium economy
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- 5. Travel protections
- 7. Office furniture and supplies: 10% of your total budget
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- Amica
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- Chase Dining
- 8. You can status match
- 5. Kiwi
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- You regularly borrow the same car from someone you don’t live with
- 6. SuperGlass Windshield Repair
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- Home equity loan
- Winner for loyalty program: Delta SkyMiles
- Tracking account numbers, passwords and expiration dates can be a hassle
- 6. OfferUp
- Best insurance company for accident forgiveness: Geico
- Final expenses
- South Dakota
- 7. Citi ThankYou Points
- Rates may be higher than other financing options
- 6. Ease of redeeming miles
- Can you pay estimated taxes at any time?
- How to transfer from Chase Ultimate Rewards® to United
- 4. Determine the option time frame
- 2. Count your coins and bills
- RemodelNY
- Ford Foundation
- USAA vs. State Farm home insurance
- 3. 'I’m bored of this stock, so I’m selling.'
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- Chubb
- 3. William Penn Foundation Grants
- Trust Wallet: 4.3 out of 5 stars
- Apply for PSLF forgiveness
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- 6. PNC Bank
- 5. Buy your home insurance policy and read it closely
- 14. Professional organizing
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- Elite status
- How to protect a trademark
- 2. Make your fitness studio a place to hang out
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- 7. Separate your business finances
- Expense ratios
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- 3 disadvantages of sole proprietorship
- 17. Self-employment expenses deduction
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- 4. Contribute to a tax-advantaged account
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- Chase premium checking accounts
- 4. Set a budget for your stock market investment
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- 4. Earn badges through Live videos
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- Selling to Opendoor
- 9. Choose a real estate agent carefully
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- 16. Sell vintage clothing online
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- More ways to pay
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- 13. Beyond Open Small Business Grant Program
- 5. Enter a debt management plan
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- 9. Consider bridal consignment
- 14. Customer service without the wait
- You drive rarely or not at all
- 2. Delta
- The risks and rewards of each
- Diversification could make elite status harder to get
- 7. Outdoor guide
- M1
- 3. Which bonds are right for my portfolio?
- Be flexible with destination, airport and dates
- 4. One more thing to know about your tax refund
- Tennessee
- Cheapest auto insurance for poor credit
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- Capital One Savor Cash Rewards Credit Card*
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- Labor and delivery
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- 8. Utilities: Around $2 per square foot of office space
- 9. Shared home improvement equipment
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- 4. Decide where to buy your index funds
- 7. If a general rewards card would be a better fit
- You take out a loan against the cash value
- 15. Photography
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- 4. Set a budget for your stock market investment
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- Where is the best place to exchange currency?
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- 1. No liability protection
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- Corporate bonds
- Cons of a 203(k) loan
- Nonresident status rules
- Drawbacks
- What happens if I forget to pay my quarterly taxes?
- Allianz Global Assistance
- 3. Prep for grocery shopping
- Cheapest auto insurance in Florida for 20-year-olds after a DUI
- Call and ask
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- 3. Ongoing investment
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- 3. Find your vending machine
- 17. Begin niche blogging
- 3. Sukuks
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- Towing
- Reviews
- Asset-driven approach
- 9. Estate planning: Protect your financial well-being
- Manufactured home cons
- 10. Shop sample gowns
- 1. Choose to DIY or get some help
- It's great for adults
- Home equity line of credit
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- How to use a W-4 to owe nothing on a tax return
- Our pick for: An upgrade path
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- 10. Narrow down your ideal type of house and neighborhood
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- Hiscox
- 1. OnDeck
- MetaMask: 4.0 out of 5 stars
- 1099-K
- Cheapest auto insurance in California for 20-year-old drivers with one at-fault crash
- 14. Bizee Fresh Start Business Grant
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- How do you get a perfect credit score?
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- USAA vs. Allstate home insurance
- To match with a vacation planner: Avoya Travel
- Rethink your bank
- 9. Payroll: 25% to 50% of your total budget
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- 7. TD Bank
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- American Airlines credit cards
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- 7. Poshmark
- 2. See whether you qualify for an exception
- 8. Secure business funding
- 11. Monetize your social media accounts
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- 5. Build a community
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- SAVE benefit starting in February 2024
- 3. Incorporate data into your services
- It’s well connected to the other three parks
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- An example of buying a call
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- Book with points and miles if it’s a good deal
- 3. Keep the receipts for your home improvements
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- State Farm vs. USAA home insurance
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- 6. BookWithMatrix
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- SAVE benefits available by July 2024
- Other details you should know about Trust Wallet
- Cosmetic or elective surgeries
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- How it works
- Sure
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- Our pick for: Customizable bonus categories
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- Selling a put example
- Acorns
- Best insurance company for having few customer complaints: American Family
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- 9. Decide on your menu
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- Step 6: Find and maintain clients
- 1. Decide what type of investor you are.
- An example of buying a put
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- Delta has better lounges, more restrictions
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- 12. Ask about excess inventory
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- Our pick for: No security deposit, low annual fee
- 11. Stick to your budget
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- Work style questions
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- Personal loan
- Winner for credit card availability: Delta Air Lines
- Is Trust Wallet right for you?
- Best Western credit cards
- Hilton credit cards
- Hyatt credit cards
- IHG credit cards
- Marriott credit cards
- Wyndham credit cards
- Other hotel credit cards
- Travel insurance
- 3. It’s harder to sell your business
- California earned income tax credit (CalEITC)
- Where to get it
- FHA Plus Program
- The details
- America’s Seed Fund
- Flooding
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- Next
- State Farm vs. Progressive home insurance
- 18. Grants.gov
- Cryptocurrency cons
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- Retail trade
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- Discover it® Chrome
- 6. Manage your stock portfolio
- Paying for vacations, cars or other stuff
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- To book a vacation package with an airline or hotel
- 1. Access to capital
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- 1099-NEC
- Specialized guidance and/or want to meet with an advisor face-to-face
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- 4. Air Tahiti Nui
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- Albert
- 9. Become an Instagram influencer
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- California young child tax credit (YCTC)
- Varo Believe Secured Credit Card
- Financial assistance
- Our pick for: Maximized value
- Price clothes to sell
- Funding Circle
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- Chubb
- Improve your credit score
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- Avoid taking on more debt
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- How to compare life insurance quotes
- How we review crypto wallets
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- 19. GrantWatch
- Auto-Owners
- Cash advance apps
- 5. Get your studio on social media
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- When a Marriott transfer to United makes sense
- 12. Make the most of walk-throughs and open houses
- 6. Map out major purchases
- FHA loans
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- The Hartford
- Write a comprehensive business plan
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- 1099-OID
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- 21. Bed and breakfast
- Wait to apply
- Portfolio management only
- 15. Stick to in-season blooms
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- Other details you should know about Ledger
- 11. Insurance: Average of $1,200 per year
- 8. Hire staff
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- 1. What does "sole proprietor" mean?
- 2. What does it mean to be exempt from taxes?
- California adoption cost tax credit
- Our pick for: No security deposit, low annual fee, potentially high credit limit
- 2. Choose how much you want to invest.
- How it works
- Graduate to Homeownership Program
- NJM: Best small regional insurer
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- Hail
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- 10. Moving services
- Monzo
- 10. Monetize your Twitch channel
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- An existing relationship
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- If you're a Marriott Vacation Club owner
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- Amazon Web Services (AWS) Imagine Grant
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- Average car insurance costs after a DUI
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- 23. Restaurant or cafe
- 7. Hire excellent staff
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- Winner for premium seating classes: Etihad
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- Farmers
- 5. Stock your vending machine with inventory
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- Use American Express to maximize the conversion rate
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- 1099-S
- Which factors determine car insurance quotes?
- Dividends and preferred stock
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- 11. Sell your photography
- 12. Set the atmosphere
- 401(k) fees
- Our pick for: Average credit and rewards
- 4. Pick your investments.
- 14. Negotiate with the seller
- Cheapest auto insurance in Florida for 30-year-olds with one speeding ticket
- Pros
- The details
- 14. Business or marketing courses
- Note application deadlines and awards dates
- Strong revenue
- 17. Price out multiple meal options
- 11. Dream Vacations
- Allstate vs. Geico
- 4. Can I adjust my W-4 multiple times throughout the year?
- How it works
- 13. Travel: Variable
- Guaranteed issue life insurance
- Cheapest auto insurance in California for 30-year-olds with poor credit
- Service-Disabled Veteran-Owned Small Business Program
- 25. Ice cream shop
- 6. Evaluate the price of the business with the earnings, assets or market approach
- Home equity financing
- 9. Get creative with gifts
- SafePal: 3.8 out of 5 stars
- 6. Make the right investments
- 27. Create online courses
- 1099-SA
- Enough time in business
- Finance and insurance
- 18. Simplify your drink options
- Selling bonds
- 12. Bike rental business
- The bar
- Coverage limits
- Where to get it
- Our pick for: Prime gaming
- Our pick for: Paying rent
- USAA: Best for military and veterans
- Consider financing alternatives
- 7. Private equity
- 26. Personal chef
- Step
- 15. Buy adequate home insurance
- Cons
- 1. Loss of complete brand control
- 14. Shipping: Variable
- 15. Personal wellness
- Geico
- 28. Become a marketing consultant
- Most popular: HO-3 insurance
- Collateral
- Boots to Business
- The Hanover
- 12. Lil' Kickers
- Sinkholes
- What should you do if you’re invested in these REITs?
- Best insurance company for discounts: Amica
- Progressive vs. Allstate
- No-cost alternatives
- Cheapest auto insurance in Florida for 30-year-olds with one at-fault crash
- Manufactured Home Mortgage Program
- State Farm Good Neighbor Citizenship Company Grants
- 1. What is a service business?
- Chase Freedom Unlimited®
- 27. Landscape services
- 10. Lower your car costs
- Methodology
- Cheapest auto insurance in California for 30-year-old drivers with one speeding ticket
- Alternative investment pros
- 13. Canoe and kayak rental business
- Deductibles
- Our pick for: Average credit and no annual fee
- Apple Cash: digital card
- 2. Increased potential for legal disputes
- 2. How do you start a service business?
- 29. Develop an app
- Institute for Veterans and Military Families
- 28. Pet grooming
- Real estate, rental and leasing
- Winner for lowest fees: Spirit
- 12. Become a dog walker with Rover or Wag
- Your house
- Look up the insurer’s financial strength
- 5. Maximizing your credit cards
- Broadest coverage: HO-5 insurance
- Community banks
- 19. Go for a shorter cake
- Majority
- Progressive vs. State Farm
- 11. Reduce your gas usage
- Google Ad Grants
- Logistical questions
- 16. Courses in hobbies or interests
- 3. How do you calculate the break-even point for service businesses?
- 29. Florist
- Refreshment stations
- Reimbursement amounts
- Your location
- How it works
- Cheapest auto insurance in Florida for 30-year-olds after a DUI
- 3. Initial investment
- Average annual car insurance costs for drivers with good vs. poor credit
- 30. Make a smart appliance
- Online lenders
- Veteran Women Igniting the Spirit of Entrepreneurship
- 20. Dress up a store-bought cake
- 14. Miniature golf course
- Give Us Credit
- Cash App debit card
- Secure funding
- 4. Do service businesses charge sales tax?
- Cheapest auto insurance in California for 30-year-old drivers with one at-fault crash
- Ink Business Preferred® Credit Card
- Alternative investment cons
- Nationwide
- You and your stuff
- Research the insurer’s reputation for customer service
- Liberty Mutual
- 31. Tap into virtual reality experiences
- Limited coverage: HO-1 and HO-2 insurance
- 30. Massage therapist
- Professional, scientific and technical services
- 21. Pick a nontraditional dessert
- Comun
- 13. Sell unused gift cards
- 1. Look at customer satisfaction scores
- 12. Bundle cable and internet
- 4. Federal and state regulation
- Winner for lowest fees: Tie
- 17. Bookkeeping and accounting
- Microlenders
- Veteran Institute for Procurement
- Friends and family loan
- Who are the top five insurance companies?
- Individual stocks
- Our pick for: Limited credit
- Where to get it
- The Unless Project
- 32. Make a niche dating site
- 2. Consider financial strength
- Roth IRA withdrawal rules
- Erie: Most generous coverage
- 15. Pedicab
- Which insurance company is best at paying claims?
- 13. Switch your cell phone plan
- Get a business credit card
- 33. Develop a chatbot
- Cheapest auto insurance in California for 30-year-old drivers after a DUI
- Office of Small & Disadvantaged Business Utilization
- 31. Nutritionist
- Franchisor financing
- Best insurance company for customer satisfaction: State Farm
- 3. Evaluate the policy options
- Roth IRA withdrawal penalty
- Our pick for: Target gaming purchases
- Cheapest full coverage car insurance in Florida for 40-year-olds
- 6. Borrowing money
- 18. Consulting
- Pros
- Ink Business Cash® Credit Card
- Management of companies and enterprises
- 7. Secure capital to make the purchase
- 22. Keep things intimate
- Bunq
- Compare insurance rates for drivers with an accident
- Is State Farm cheaper than Geico?
- 14. List your spare bedroom on Airbnb
- 34. Offer matchmaking skills
- 32. Personal trainer or fitness instructor
- State Farm
- Dividend stocks
- For cruise package deals: Costco Travel
- Cons
- Replacement cost vs. actual cash value
- State and local governments
- 23. Choose a charitable favor
- 16. Farmers market
- Is Geico a good insurance company?
- 4. Get prices from a handful of companies
- 14. Reduce your electric bill
- Aldi Cares Community Grants
- Nationwide
- 35. Be a virtual assistant
- Traditional term loan
- Our pick for: Good credit
- How much is auto insurance for young drivers?
- 33. Beauty services
- 24. Limit photographer and videographer hours
- Totem
- Cheapest minimum coverage car insurance in Florida for 40-year-olds
- Administrative and waste services
- 15. Lower your student loan payments
- 1. What is the average cost to start a small business?
- 19. IT support
- 36. Reinvent exercising
- Cheapest full coverage car insurance in California for 40-year-olds
- Ink Business Unlimited® Credit Card
- 34. Life coach
- How to maximize your rewards
- Zendesk Tech for Good Impact Awards
- SBA 7(a) loan
- 17. Summer camp
- Nationwide: Best online experience
- 2. How do you calculate startup costs?
- 37. Create eco-friendly, health-friendly makeup and beauty products
- Travelers
- Best insurance company for military members: USAA
- 15. Sell your gently used clothes
- 16. Cancel unnecessary subscriptions
- Directly with the Cruise Line
- Cheapest auto insurance in Florida for 40-year-olds with poor credit
- What is a prepaid debit card?
- 20. Graphic design
- 38. Open a food truck or restaurant pop-up
- 35. Tutor
- Educational services
- Our pick for: Travel
- The Audacious Project
- 3. Are business startup costs tax-deductible?
- Progressive
- Cheapest minimum coverage car insurance in California for 40-year-olds
- Homeowners insurance deductibles
- Equipment financing
- 17. Refinance your mortgage
- 39. Start an organization business
- 36. Daycare provider
- 18. Surf school
- What is a prepaid credit card?
- Average annual car insurance costs for young drivers by company
- Standard (nonbank) neobanks
- Our pick for: Walmart gaming purchases
- 4. What is considered a startup cost?
- 40. Do interior design for young professionals
- 16. Trade in old phones, electronics for cash
- 18. Set savings goals
- Cheapest auto insurance in Florida for 40-year-olds with one speeding ticket
- Where can you get a prepaid card?
- Wells Fargo nonprofit grants
- 21. Social media management
- 37. Senior care provider
- Health care and social assistance
- Cheapest auto insurance in California for 40-year-olds with poor credit
- How to compare renters insurance
- How do you add money to a prepaid card?
- Openly: Fewest consumer complaints
- 38. Interpreter or translator
- 19. Horseback riding lessons
- Neobanks that are online banks
- Our pick for: Instant gratification
- USAA
- Which prepaid card is best?
- 39. Housecleaning
- 17. Get a babysitting gig
- 19. Track spending
- Cheapest auto insurance in Florida for 40-year-olds with one at-fault crash
- 22. Marketing copywriter
- Arts, entertainment and recreation
- 1. Review your mission
- Cheapest auto insurance in California for 40-year-old drivers with one speeding ticket
- Digital wallets with banking services
- 7. Your credit score
- 40. Automotive repair
- 1. Gather your information
- 20. Pay off high-interest debt
- 2. Refine your search with keywords
- 23. Virtual assistant services
- 20. Challenge course
- 41. Handyman services
- 18. Rent out your car
- Our pick for: PlayStation purchases
- Cheapest auto insurance in Florida for 40-year-olds after a DUI
- Accommodation and food services
- Fintech firms with cash management accounts
- Our pick for: Personalized rewards
- 21. Keep savings in a high-yield savings account
- Cheapest auto insurance in California for 40-year-old drivers with one at-fault crash
- You have a roommate
- 3. Narrow down based on location
- 42. Dry cleaners
- 8. Close the deal with the appropriate documents
- State Farm: Best perks
- 2. Choose the right liability car insurance coverage levels
- 22. Create a 50/30/20 budget
- 43. Hardware store
- 4. Look for organizations with similar values
- 1. Do your research
- Other services (except public administration)
- You’re on a tight budget
- 19. Sign up for TaskRabbit
- Cheapest auto insurance in California for 40-year-old drivers after a DUI
- 44. Self-storage business
- Cheapest full coverage car insurance in Florida for 50-year-olds
- 2. Get organized and make it official
- 5. Consider hiring a grant writer
- 45. Freelance copywriting and content creation
- You would want new items if your belongings were destroyed
- 23. Shop consignment and thrift stores
- 46. Rideshare driver
- 20. Become a private tutor
- 3. Find the right financing
- You own expensive jewelry or electronics
- Cheapest minimum coverage car insurance in Florida for 50-year-olds
- 47. Website development and design
- Cheapest full coverage car insurance in California for 50-year-olds
- 48. Sell clothes online
- 3. Decide if you need full coverage car insurance
- Our pick for: Best Buy purchases
- 24. Join initiatives to get free items
- You’re a first-time home buyer
- You have a dog
- 21. Drive for Uber, Lyft
- 8. Taxes
- 49. SEO consultant
- Cheapest auto insurance in Florida for 50-year-olds with poor credit
- Cheapest minimum coverage car insurance in California for 50-year-olds
- 50. App development
- Trip cancellation
- 25. Use car sharing services
- You live in a high-risk area
- Trip interruption
- 22. Make deliveries for Amazon, Uber Eats
- Cheapest auto insurance in Florida for 50-year-olds with one speeding ticket
- 26. Stock up on household supplies when they’re cheap
- You have a dog
- 9. Paying off debt
- Cheapest auto insurance in California for 50-year-olds with poor credit
- Trip delay
- 4. Collect and compare car insurance quotes
- 23. Find work as a housesitter
- Cancel For Any Reason
- 27. Enjoy community events
- Cheapest auto insurance in Florida for 50-year-olds with one at-fault crash
- You own valuable items
- Cheapest auto insurance in California for 50-year-old drivers with one speeding ticket
- Our pick for: Digital Microsoft Store purchases
- Pros of buying a business
- Baggage delay
- 24. Sign up to be a mystery shopper
- 28. Cash in on your birthday
- You own an older home
- Cheapest auto insurance in Florida for 50-year-olds after a DUI
- Lost baggage
- United’s hotel partners
- Cheapest auto insurance in California for 50-year-old drivers with one at-fault crash
- Travel medical insurance
- 25. Put your drone to work
- Rocketmiles
- 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
- United Hotels
- Cheapest minimum coverage car insurance in Florida for 60-year-olds
- Cons of buying a business
- Cheapest full coverage car insurance in California for 60-year-olds
- 10. Insurance
- Cheapest auto insurance in Florida for 60-year-olds with poor credit
- Cheapest minimum coverage car insurance in California for 60-year-olds
- 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
- 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
- Cheapest auto insurance in Florida for 60-year-olds after a DUI
- 11. Investing
- Cheapest auto insurance in California for 60-year-old drivers with one at-fault crash
- Cheapest auto insurance in California for 60-year-old drivers after a DUI
- Cheapest full coverage car insurance in Florida for 70-year-olds
- Cheapest minimum coverage car insurance in Florida for 70-year-olds
- Cheapest full coverage car insurance in California for 70-year-olds
- Cheapest auto insurance in Florida for 70-year-olds with poor credit
- Cheapest minimum coverage car insurance in California for 70-year-olds
- 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
- 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
- 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
- The NerdWallet Smart Money podcast
- Cheapest auto insurance in California for 70-year-old drivers after a DUI
- Auto insurance laws in California
- Low-income car insurance in California
1. Roll your debts onto a balance transfer credit card
0% introductory APR period.
A year or more to pay off debt without interest.
Requires good to excellent credit to qualify.
Usually carries a balance transfer fee.
Higher APR kicks in after the introductory period.
Also called credit card refinancing, this option transfers credit card debt to a balance transfer credit card that charges no interest for a promotional period, typically 15 to 21 months. You’ll need good to excellent credit (690 credit score or higher) to qualify for most balance transfer cards.
A good balance transfer card will not charge an annual fee, but many issuers charge a one-time balance transfer fee of 3% to 5% of the amount transferred. Use NerdWallet’s balance transfer savings calculator to see whether the interest you save over time will wipe out the cost of the fee.
Aim to pay your balance down completely before the 0% intro APR period is over. Any remaining balance after that time will have a regular credit card interest rate.
» COMPARE: Best balance transfer credit cards
2. Apply for a credit card consolidation loan
Fixed interest rate means your monthly payment won’t change.
Low APRs for good to excellent credit.
Direct payment to creditors offered by some lenders.
Hard to get a low rate with bad credit.
Some loans carry an origination fee.
Credit card consolidation loans, also called debt consolidation loans, are fixed-rate loans that come in a lump-sum, ranging from $1,000 to $50,000, with terms up to seven years. You can apply for a consolidation loan at your local credit union, bank or through an online lender.
Credit unions are not-for-profit lenders that may offer their members more flexible loan terms and lower rates than other lenders, especially for borrowers with fair or bad credit (689 credit score or lower). The maximum APR charged at federal credit unions is 18%. You’ll need to become a member before you apply for a consolidation loan, but membership is typically quick and affordable.
Bank loans provide competitive APRs for good-credit borrowers, and benefits for existing bank customers may include larger loan amounts and rate discounts. If you have a good relationship with your bank, ask what their consolidation options are before committing to another lender.
Online lenders offer debt consolidation loans for borrowers across the credit spectrum, so they’re a good option if you can’t qualify through a credit union or bank. Most online lenders also let you pre-qualify without affecting your credit score, which is less common among banks and credit unions. Pre-qualifying gives you a preview of the rate, loan amount and term you may get once you formally apply.
Look for lenders that offer special features for debt consolidation. Some lenders, for example, will discount the rate on a debt consolidation loan or send the loan funds directly to your creditors, simplifying the process.
Use NerdWallet’s debt consolidation calculator to enter all of your debts in one place, see typical rates from lenders and calculate savings.
» COMPARE: Best credit card consolidation loans
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3. Tap your home equity for a loan or line of credit
Typically lower interest rates than personal loans.
May not require good credit to qualify.
Long repayment period keeps payments lower.
You need equity in your home to qualify, and a home appraisal is usually required.
Secured with your home, which you can lose if you default.
If you’re a homeowner, you may be able to take out a loan or line of credit on the equity in your home and use it to pay off your credit cards or other debts. This is an option for borrowers who can’t qualify for credit elsewhere.
A home equity loan is a lump-sum loan that you pay back with a fixed interest rate, meaning you’ll have predictable monthly payments and a clear finish line. However, these loans are less flexible than a line of credit, which works like a credit card with a variable interest rate.
A HELOC, or home equity line of credit, often requires interest-only payments during the draw period, which is usually the first 10 years. That means you’ll need to pay more than the minimum payment due to reduce the principal and make a dent in your overall debt during that time.
Since both of these types of credit are secured by your house, you’re likely to get a lower rate than what you would find on a personal loan or balance transfer credit card. However, you can also lose your home if you don’t keep up with payments.
4. Borrow from your 401(k)
Lower interest rates than unsecured loans.
No impact on your credit score.
Reduces your retirement fund.
Heavy penalty and fees if you can't repay.
If you lose or leave your job, you may have to quickly pay back your loan.
If you have an employer-sponsored retirement account like a 401(k) plan, you can typically borrow up to half the amount (with a $50,000 maximum), for a term up to five years, to help pay off your debts. These loans usually come with single-digit interest rates, so they’re much cheaper than credit cards, and any interest you pay goes back into your account. Another benefit is this loan won’t show up on your credit report, so there’s no impact on your score.
But taking out a 401(k) loan is very risky. Not only can it significantly impact your retirement savings, if you can’t repay, you’ll owe a hefty penalty plus taxes on the unpaid balance, and you may be left struggling with more debt.
Plus, if you lose your job or quit, the loan is automatically due on tax day of the next year.
Consider a 401(k) loan only after you’ve ruled out balance transfer cards and other types of loans.
5. Enter a debt management plan
Fixed monthly payments.
May cut your interest rate by half.
Doesn't hurt your credit score.
Startup fees and monthly fees are common.
It may take three to five years to repay your debt.
Debt management plans roll your credit card balances into one monthly payment at a reduced interest rate. You then pay it off over three to five years. These plans work best for those who are struggling to pay off credit card debt but don’t qualify for other options because of a low credit score.
Unlike other credit card consolidation options, opting into a debt management plan won’t hurt your credit score, and if you’re able to make payments on time, it should help.
But debt management plans typically come with fees, so you’ll want to verify the fee amounts and how they affect your overall payoff plan before making a commitment. Going through a nonprofit credit counseling agency is a good way to find an affordable debt management plan.
If your credit card debt is more than 40% of your income and can’t be repaid within five years, bankruptcy may be a better option than a debt management plan.
» MORE: Compare debt payoff strategies
What is credit card consolidation?
Credit card consolidation is when you use another credit product to pay off your credit card balances in one fell swoop. You’re then left with only one payment on your new debt.
For consolidation to make sense, the new debt should have a lower annual percentage rate than your credit cards, so you save money on interest. You can even apply that savings back to your debt, which will shorten the payoff period and get you out of debt faster.
How does credit card consolidation work?
Credit card consolidation works by using a different credit product to pay off your credit card balances at a lower interest rate. The logistics depend on which product you choose.
For example, if you go with a credit card consolidation loan, you’ll need to apply for the loan with a bank, credit union or online lender. Once approved, you’ll receive the money in your account, which you can use to pay off your credit cards.
If you have $10,000 in debt across four credit cards, you’d apply for a $10,000 loan then individually pay off each of the four cards (some lenders offer to pay off your cards for you). You’re then left with one fixed payment on the consolidation loan, which you make monthly, until the loan is paid off in full.
» MORE: How do consolidation loans work?
Is consolidating credit card debt a good idea?
Consolidating credit card debt is a good idea if you can qualify for a low enough interest rate and pay off the debt during the allotted time period, which will vary based on the consolidation product you choose.
You’ll also want to be certain you can keep your credit card balances at or near zero while you pay off the new debt. For example, if you take out a consolidation loan to pay off your credit cards, but then accumulate a balance on your credit cards again, you’ll be in a worse position than when you started.
Can I still use my credit card after debt consolidation?
If you consolidate your credit cards, you can still use them. Consolidating just means you’re paying them off, so your balances will be at zero, but the cards themselves will remain open unless you take the step of closing them.
Closing a credit card can hurt your credit score. Financial experts often suggest tieing a small recurring expense, like your monthly phone bill, to the card to keep it active. Avoid paying for nonessential expenses with your credit card, since this could delay getting out of debt.
Debt consolidation rolls multiple debts, like high-interest credit cards or loans, into a single payment.
The best way to consolidate credit card debt depends on how much debt you have, your credit score and what existing financial resources you can pull from, but popular options include balance transfer cards and consolidation loans.
A consolidation loan might be better than paying off credit cards on your own if you can qualify for a lower interest rate than the average rate on your cards. This would reduce interest costs, lower your monthly payment and potentially get you out of debt faster.
Consolidating debt affects your credit in a few ways. Your credit score may temporarily dip when a lender or card issuer does a hard credit inquiry. Making a late payment on your consolidation product can also hurt your credit. But if you pay on time and stay out of debt in the future, the overall effect could be positive.
rolls multiple debts, like high-interest credit cards or loans, into a single payment.
The best
way to consolidate credit card debt
depends on how much debt you have, your credit score and what existing financial resources you can pull from, but popular options include balance transfer cards and consolidation loans.
A
consolidation loan
might be better than paying off credit cards on your own if you can qualify for a lower interest rate than the average rate on your cards. This would reduce interest costs, lower your monthly payment and potentially get you out of debt faster.
Consolidating debt affects your credit
in a few ways. Your credit score may temporarily dip when a lender or card issuer does a hard credit inquiry. Making a late payment on your consolidation product can also hurt your credit. But if you pay on time and stay out of debt in the future, the overall effect could be positive.
on NerdWallet