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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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- Credit card spending
- What do I need to pre-qualify for a personal loan?
- Why do my FICO scores vary?
- 3. Planet Fitness
- Travel benefits and protections
- 2. Choose your insurance deductible
- GET MORE MILES, MORE BENEFITS WITH A DELTA CARD
- 3. Its portfolio includes properties for all budgets
- Automatic enrollment
- Pay off debts in order of interest rate
- ANA Suite Lounge and ANA Lounge
- 4. Avoid a coverage gap
- 3. Auto repair
- Be on the lookout
- Professional liability insurance
- Traditional IRA income limits for 2023 and 2024
- Roth IRA income limits for 2023 and 2024
- Online retailers
- If you’re 59½ or older and the account is less than 5 years old
- 3. There are easy ways to earn Hilton Honors points
- 3. Gather the necessary documents
- Services provided by landlords
- Index examples
- Step 3: Claim dependents, including children
- What to do if the credit bureau made an error
- Lengthy intro APR period
- There are limits
- Discover it® Cash Back and the Discover it® Student Cash Back
- More paperwork
- Emergency
- Part-year resident status rules
- Be strategic about major purchases
- SBA tries to collect
- Pros
- Broader rewards structure
- Why it’s the best
- 4. Tax-loss harvesting is most useful if you’re investing in individual stocks, actively managed funds and/or exchange-traded funds
- You don't want to pay interest
- Telematics discount
- Winner: British Airways
- Average monthly car payment by credit score
- Find your NAICS code
- 4. You get two free checked bags
- 2. Choose an account that works toward your goals
- Cities with the top five highest annual rent increases:
- Funding fee for Interest Rate Reduction Refinance Loans
- Roll donations over to charity
- Delta Air Lines SkyMiles
- Annual fee
- Potential for high returns
- YNAB
- 3. Clean windows' exteriors
- Virgin Hotels Las Vegas, Curio Collection by Hilton
- Wells Fargo Autograph℠ Card
- Pack your own headphones
- FoundersCard
- Life insurance riders for people with HIV
- Stay on the beach or rent a car every day, but don’t do both
- Cash-out refinance
- Travel redemption and benefits
- Under 35
- Reward seat upgrades
- Build a business website
- 7. Brookfield, Wisconsin
- Double-check your paperwork
- Home equity loans pros and cons
- Prepaid debit card vs. debit card vs. credit card
- 2. Calculate your annual retirement spending
- Texas Job Creators Grant
- Business income insurance
- 5. Texas Woman's University Veteran Woman Entrepreneur Grant
- Work full time for a qualifying employer
- Needs
- 1. Get sponsored
- Variable universal life insurance
- EBay
- 5. Student loan interest deduction
- 2. Be aware of potential costs
- Does your budget need some attention?
- Nerd note
- USAA life insurance riders
- Bonus miles on Delta purchases
- Use a third-party expeditor
- 2. Book partner airline flights using Skypass miles
- C corporation
- 3. Understand why an existing business is up for sale
- 4. Apply for Global Entry or TSA PreCheck
- Coming up with inventory
- Want to compare the best of the best?
- Only certain types of transfers are allowed
- Mid-cap companies: $2 billion to $10 billion
- 3. Choose how much you want to invest
- 20% of your income: savings and debt
- Cash-out refinance
- 4. Monitor and adjust your spending
- What it is
- Itemizing
- An example of buying a call option
- 4. NDN Collective loans and grants
- 4. Sell lemonade in the summer or hot cocoa in the winter
- Founders First Job Creators Quest Grant
- Online business loans
- Avoid strapless tops or tank tops
- Authorized user bonuses
- 2. Decide how much help you want
- Lower per-night cleaning fees
- MyLowe’s Rewards Credit Card
- 2. Look into suburban venues
- 5. Purchase upgrades with the right credit card
- 2. If you have a 401(k), get your match
- Educational services
- 4. Be aware of limits
- Owner's title insurance
- 3. Silver funds
- Cash reserves
- See how APYs have moved at high-yield accounts versus regular accounts
- Invesco WilderHill Clean Energy ETF (PBW)
- Ongoing perks
- 2. Trust in diversification
- 3. Apply coupons
- 5. Event planning
- General obligation bond
- Eligibility
- 4. Anytime Fitness
- 8. Cinnabon
- 0% balance transfer credit card
- Cozumel
- Wellness Rewards
- Blanket coverage
- Where Exodus shines
- Sell stuff online
- Senior miners
- Cash flow from investing
- Your interest rate
- Don’t let the details drag you down
- 2. Document your charitable contributions
- 3. Stay invested with the "buy and hold" strategy
- What to consider when redeeming
- Dealer addendum sticker vs. MSRP
- What happens if I can't repay a payday loan?
- Credit Karma
- 5. Earn an associate degree
- Merchandise
- More space and privacy
- Unlimited music streaming
- Higher rewards on everyday spending
- EARN MORE POINTS WITH A MARRIOTT BONVOY CREDIT CARD
- Buy park-to-park tickets
- Access to DVC member lounges
- Property tax deduction
- Avis President's Club
- The right equipment
- Roth 401(k)
- For dining rewards
- Set expense limits and find ways to save
- Additional living expenses
- 3. Explore funds over individual stocks
- Should you gamble on meme coins?
- Own your car sooner
- Delta Sky Club
- Does basic economy get a carry-on on United?
- Submit an Experian dispute by mail
- Brand explorer award
- Where to get it
- 1. Nine Hours Capsule Hotels in Japan
- 5. Peer-to-peer money transfer apps
- 7. Curate subscription boxes
- DTI for VA loan
- Our tips
- If you're 59½ or older and the account is at least 5 years old
- 4. Consider your spouse
- Step 4: Refine your withholdings
- Chase Sapphire Reserve®
- 2. Choose an investment account
- A challenge for procrastinators (or last-minute travelers)
- How to change your Delta flight over the phone
- Nonresident status rules
- Cons
- How often you travel
- 4. Product reviewer
- Earning points
- What are my options for unfreezing credit?
- Step 1: Sign up at the TikTok Shop seller center
- Contributions are tax-free
- The bottom line
- 1. Multiply your income by 10
- Negative information, if any
- 3. Bermuda
- 3. Claiming too many charitable donations
- When the statement balance and current balance are different
- You have a lifelong dependent, such as a child with a disability
- 3. Check for United Airlines specials and deals
- 4. Tutor
- Formal two weeks’ notice template
- Location of your home
- Conventional mortgages: As low as 3% down payment
- Annual whole life insurance rates for nonsmokers
- Research top private equity firms
- Battleface
- biBERK business owner’s policy
- Pack a carry-on only
- Decide how you'll finance your second home
- Pro: It’s the key to income-contingent repayment for parent borrowers
- Wi-Fi
- No collateral required
- 3. Set up balance alerts to stay on top of spending
- Automobiles and components
- 25% back on inflight purchases
- 8. Saratoga Springs, New York
- There’s no competition
- Availability
- Value-Added Producer Grant
- How does FDIC insurance on prepaid cards work?
- You are new to credit and have a short credit history
- Center for Women Entrepreneurs StartHER Grant
- To achieve tax diversification
- 3. Mail the request and document copies
- EV subsidies and incentives can save you money
- Payment plans through your card issuer
- Ask why your car was repossessed
- Economic Development Administration
- 6. Adoption credit
- Fly on the holidays (or as far from it as possible)
- 3. Budget for taxes
- 2. Write a business plan
- Pros
- If the goal is to get cash: Do I have enough equity?
- 3. Take notes and pictures
- What you can do: Learn how to get started
- 3. Evaluate other factors
- 3. Choose a business entity structure
- 4. There are many ways to accumulate points
- 5. Change your ID cards
- Methodology
- 3. Learn to use AI tools
- Fast Break for Small Business
- 2. Take a cut with affiliate marketing
- Best insurance company overall: Travelers
- PenFed: Best for a seamless application process
- Determine if the car is selling for a fair price
- Services that charge renters
- Our pick for: Intro APR + high rewards on everyday spending
- What fees do Chase checking accounts have?
- Average 401(k) match
- A bonus isn't a sure thing
- Student loans
- Invoice financing
- 2. You must have owned the home for at least two years
- Opt for modest jewelry
- Referral bonuses
- Get Medigap coverage
- Is rental car coverage primary or secondary?
- Blue Cash Everyday® Card from American Express
- 3. Trim the guest list
- Smaller annual fee
- Animal care
- Bond ETFs
- 1. States with no income tax
- 5. You must keep your apples and oranges straight
- Bitcoin pros
- 3. Marriott Bonvoy Brilliant® American Express® Card
- Locate the corresponding size standards
- Robo-advisors
- 5. Snacks and nonalcoholic beverages are free
- 3. Budget for emergencies
- Cities with the top five annual rent price declines or smallest increases:
- Documentation
- Imposter scams
- Qualifying for a traditional IRA when you have a 401(k) or other employer plan
- 3. Affiliate marketing
- Perks that renew annually
- Travel bonus reward rates
- 4. Compare (and match) prices
- 6. Video production
- You can’t see the physical condition of the car
- Revenue bond
- Craigslist, Facebook Marketplace, Nextdoor, OfferUp
- 9. Cold Stone Creamery
- Personal loans
- 2. Pool your points
- Los Cabos
- ETF cons
- Buying a put example
- Check for existing protection
- Part-year resident status rules
- Pros
- Permanent life insurance: Other options
- 4. Do a background search
- The percentage method
- 4. Taco Bell
- Other permanent policies
- Whole Foods deals
- Figure out where you are and what you value
- Should you replace your car or maybe your loan?
- If you've owned your account for less than five years ...
- 4. Crunch Fitness
- AAA non-member rates
- Your car
- 4. Research stocks the right way
- 3. Bring your own amenities
- Take shorter showers
- 5. Bring extra luggage and get paid to have this card
- November: Veterans Day
- Can you travel domestically with an expired passport?
- How to dispute errors on your credit report
- Payday alternative loans vs. payday loans
- Fixing the price or letting people bid
- How to maximize your rewards
- Other fuel cards to consider
- There is a pro-rata rule for backdoor Roths
- Small-cap companies: $250 million to $2 billion
- 6. Wallet software
- Do tipped workers earn the minimum wage?
- Policies available through partnerships
- 3. Swagbucks
- Home supply is still limited
- Pros
- In-flight seating
- Choosing corporate tax status for your LLC
- 4. You can earn Hilton Honors status without ever staying a night in a Hilton property
- 4. Prepare your car and complete the sale
- 3. Uber Cash benefit
- Other ways may require more patience
- Reasons for unfreezing your credit
- Step 5: Sign and date your W-4
- What to do if the debt collector made an error
- 3. Pentagon Federal Credit Union (PenFed) Rewards
- 5. Minnesota Indian Business Loan Program
- Be upfront, honest and specific
- 5. Teach others a skill
- 4. If your re-booked flight is at least three hours later, you’ll receive a meal voucher
- How to change your Delta flight online
- LifeLock pros
- You submit an offer in compromise
- Typical cost for a flagship family plan with unlimited data
- 3. Max out an IRA
- APR ranges for credit union lenders
- 3. Prioritize your financial goals
- Redeeming points
- How long should I lift the freeze?
- You're competing against other buyers
- Cons
- Account growth is tax-free
- Step 3: Buy the gold ETF
- Verizon
- 3. Choose your investments based on your risk tolerance
- Hotels in Hawaii
- 5. Ask a recruiter for advice
- 4. Repaint the front door
- FHA loans: As low as 3.5% down payment
- First Time Homebuyer Program
- Hilton Grand Vacations on the Las Vegas Strip
- Annual whole life insurance rates for smokers
- 5. Planet Fitness
- Target Circle™ Credit Card
- Pro: You can pick your federal loan servicer
- Rates can be lower than credit cards
- Global Entry or TSA PreCheck credit
- 3. The RealReal
- Personal property coverage
- 9. Bloomington, Minnesota
- Zengo Wallet: 4.8 out of 5 stars
- How to find an FHA Title 1 loan lender
- Estimate your ISA payments
- Crypto selection
- Interest rate
- 4. Wellness coach
- If you are converting your 401(k) to an IRA
- Wants
- Allow up to 50% of your income for needs
- Goodbudget
- Can I negotiate with Algo?
- Better on-the-ground perks
- Intuit TurboTax
- 1. Making money
- Stay on-site
- Members-only events and trips
- VA refinance loans
- 7. Earned income tax credit
- 4. Watch for scams
- Forgiveness comes sooner
- Win a gig and get to work
- Why are so many PSLF applications rejected?
- You want to transfer rewards to a domestic airline
- HELOC on your primary residence
- How long will it take to pre-qualify?
- FICO 8 is the most widely used among lenders
- 2. Organize your documents
- Owing a prepayment penalty
- Decrease the amount you owe
- Four Season Resort Lana’i Guest Lounge
- 6. Let your leasing company or lender know about your switch
- 4. Personal trainers
- 1. LIFELOCK ULTIMATE PLUS
- Fiddle with dates and times
- 4. Select a provider to open your Roth IRA
- 2. Evaluate add-ons and endorsements
- Traditional human financial advisors
- 3. Find the right location
- Stock mutual funds = higher potential returns (or losses)
- Does Chase have a free checking account?
- You may have to pay taxes
- Example interest checking APYs at select institutions
- Size of the AC system
- Merchant cash advances
- 3. You must have lived in the house for at least two years in the five-year period before you sold it
- Additional spending bonuses
- Autotrader
- What qualifies:
- Lesser (or no) taxes
- 2. Calculate the car loan amount you can afford
- Neu Credit Card
- How do I make sure coverage applies to my rental?
- 4. Seek an off-peak season
- Points worth 25% more
- 6. Use miles to upgrade
- Prepare for a future tax bomb
- 4. Up to $200 in annual credit for airline incidental fees
- Home services and repair
- 5. Photographer
- 5. Confirm that your money is federally insured.
- Step 2: Upload products
- 2. Buy 10 times your income, plus $100,000 per child for college expenses
- Why it’s the best
- Inquiries on your credit
- Crashes and car theft
- 4. Silver futures
- Appraisals
- Transfer credit card points to a KrisFlyer account
- 3. Consider buying the dip
- 5. Freelance writer or editor
- Penny stock investing example
- 7. Podcasting
- Lower risk
- LendingTree Spring
- Level of luxury
- Homeowners insurance
- Step 3: Get the proper licenses, permits, and insurance
- Look for private equity exchange-traded funds
- Fly Etihad economy with elite status
- Puerto Vallarta
- Scheduled personal property coverage
- Where Exodus falls short
- 15,000 miles to Peru in economy or 35,000 miles in business class
- Book with points
- Base features
- Best business expense tracker for transportation businesses
- Ages 35 to 44
- Personal loan calculator
- Create social media profiles
- Gold streaming companies
- Cash flow from financing
- Pros
- Bid and ask
- Workers’ compensation insurance
- Cons:
- 6. Michigan Veteran Entrepreneur-Lab
- Benefits at Six Senses
- Where to get auto insurance quotes
- 2. Convenient perks you can use at the airport
- Free games
- Find out if you can get your repossessed car back
- 2. Choose between the IVV, VOO or SPY ETF
- Grant databases
- What factors affect the amount you can borrow
- Mortgage interest deduction
- Use a discount real estate broker
- Premium tax credit eligibility
- If you’re traveling for an emergency
- AAA member rates
- Cash and valuable papers
- Replace your showerhead
- To review several cruise prices at once: CruiseDirect
- What’s your tolerance for risk to personal assets?
- 2. First Cabin Capsule Hotels in Japan
- 8. Create an airport-centric app
- Cons
- Cheap car insurance after a speeding ticket
- Ages 20-24
- Sign-up bonuses
- Citi Dividend
- 1. Cash dividends
- Grants.gov
- Apply natural makeup
- The pros
- Use a debt repayment method
- 5. Research first-time home buyer assistance programs
- Sam's Club® Mastercard®
- Family plans on a budget
- The problem
- Average annual full coverage car insurance premium by company
- International ETFs
- Status
- How do I refreeze my credit?
- Withdrawals are tax-free
- Bitcoin cons
- 4. U.S. Northeast-Canada
- 4. Reporting too many losses on a Schedule C
- 6. Entertainment is free
- You want to help your family pay estate taxes
- Mobile payment scams
- Traditional IRA limits in2024
- Give your retirement plan to charity
- 3. Bonds and bond index funds
- There’s less room for negotiation
- Estimate your potential refinance savings
- Jumbo loans: As low as 5%-10% down payment (varies)
- 10. Del Taco
- 4. Pay your bill before your issuer reports to the credit bureaus
- Consumer durables and apparel
- Know the code
- 10. Northampton, Massachusetts
- Consider do-it-yourself monitoring and recovery
- PHEV advantages
- Texas State Trade Expansion Program
- 5. Compare tax preparation fees
- 4. Wait for confirmation, then store it securely
- Submit PSLF employment certification forms
- 6. Reach out to your state transfer liaison
- Personal loans
- Will Algo buy my car if I owe on it?
- FHA rate and term refinance
- Average car insurance costs after a speeding ticket in California
- You value domestic transfer partners
- 8. Charitable donation deduction
- Decide how much effort you’re willing to devote
- Use your card when renting automobiles
- And when you retire ...
- Chairman's Club (invite only)
- Business insurance
- Our pick for: No credit check at all
- Free checked bags
- Step 3: Register your catering business and get an EIN
- 4. Contact your car rental company
- Travel perks at no cost
- Tactic 2: Use points or miles
- Delta premium economy luxury amenity kit
- Next: Best for getting general liability insurance fast
- 5. Check your emotions at the door
- Preventing better use of your money
- I.A.S.S. Hawaii Lounge
- 4. Narrow in on a business that aligns with your budget, goals and resources
- Can I dispute my Experian credit report by phone?
- Ameritas life insurance riders
- IFundWomen Universal Grant Application Database
- 3. Expedia
- Dun & Bradstreet business credit scores
- Navy Federal: Best for military members
- 4. Car rental loss and damage insurance
- Our pick for: Online purchases
- Tips for unfreezing your credit
- 5. Investigate divorced spouse benefits
- 6. SBA loans
- 1. Find a dividend-paying stock
- 3. Get free Wi-Fi (365 times)
- Seller concessions
- Medical expenses
- Installation and labor: $75 to $250 per hour
- 1. Consult an expert
- Get travel insurance
- 3. Pick an investment account
- What doesn't qualify:
- What coverage is included?
- Chase Freedom Flex℠
- 5. Move the special day
- The lottery annuity option
- 5. Up to $200 in Uber cash for rides
- Personal
- Why it’s the best
- 2. States with flat income tax rates
- 3. Use the DIME formula
- How to use Google Pay
- 4. Tackle high-interest debt
- 4. Book cheap United tickets with Money + Miles
- 5. Use shopping tools and apps
- Benefits of municipal bonds
- Equity REITs
- Crockfords Las Vegas, LXR Hotels and Resorts
- 6. Orangetheory Fitness
- Matching Wyndham to Caesars Rewards
- 35,000 miles to Colombia in business class
- Eat cheaper
- On-time payments help build credit
- Perks at Luxury Hotel & Resort Collection properties
- There’s no way to find deals
- Cons
- 3. Don’t miss out on tax deductions for volunteering
- Nonresident status rules
- Your credit profile is too one-dimensional
- Funeral insurance: Pays for your funeral only
- To benefit from special offerings or features
- EVs are better for the environment
- Cheapest full coverage car insurance in Texas for 20-year-olds
- 5. KFC
- Subscriptions
- Swagbucks
- Use Universal Express Passes
- Universal Studios Hollywood
- Sell your home yourself
- Service requirements
- FICO is the go-to for mortgage lenders
- 5. Pure Barre
- Revisit your spending
- Items in basements
- 4. Get your business licensed and permitted
- 5. You'll get immediate benefits just for signing up
- Wash clothes in warm or cold water
- American Express® Gold Card
- Can you fly with an expired passport to another country?
- Purchase a pass
- How to report fraud or identity theft
- Use transferable points currencies to shop around
- 9. Become a destination wedding planner
- Term life insurance rates for nonsmokers
- How to activate My Chase Loan
- Meet in a public place
- What is the Chase checking account minimum balance requirement?
- 3. Obtain the necessary certification and licenses
- 2. Stock dividends
- America’s Seed Fund
- 5. Verify whether you’re protected by your credit card
- 4. You cannot have claimed the home sale capital gains exclusion recently
- Choose a simple hairstyle
- LifeLock cons
- SBA transfers your account to the U.S. Treasury Department
- Zolve Credit Card
- Your points earnings
- Superior rewards-earnings
- Roll the dice with an upgrade hack
- 4. Choose the best retirement plan for you
- Price your towing services
- 6. Don’t sell your losers just to get the tax break
- Can I get approved with a freeze in place?
- Alumni or membership discounts
- Your employer can contribute
- 4. Marriott Bonvoy Boundless® Credit Card
- Outsized rewards through transfer partners
- 7. The Rapid Rewards program earns based on spending, not miles
- Gift tax exclusion
- British Airways Avios
- 6. Review commonly asked interview questions
- 6. Transcriptionist
- 8. IT consulting
- Renters insurance
- 11. Denny’s
- biBERK workers’ compensation insurance
- 3. Get a companion pass
- Qualify for a second-home mortgage
- Con: You might not save money
- Skip the extra legroom
- 4. Check out dividend-paying stocks
- Home equity lines of credit pros and cons
- Functionality
- State Departments of Agriculture
- Access federal student aid and other government loans
- Brunch at the Wrigley Mansion
- Volume, average volume and day’s range
- PHEV disadvantages
- Book cheap saver economy awards to Europe
- 7. National Association for Self-Employed (NASE) Growth Grants
- Savings and debt repayment
- Does Algo buy leased vehicles?
- FHA streamline refinance
- Average annual rates for women
- Prime Day and Prime Early Access
- 1. Find a dividend-paying stock
- 3. Decide how you'll invest in the SPY ETF
- 9. Medical expenses deduction
- Charitable contribution deduction
- 5. Watch for burnout symptoms
- Keep the no-annual-fee card active to build your length of credit
- 4. Consider flipping investment properties
- You’re looking for a lower annual fee
- Home equity loan
- A decent base rate on all purchases
- KAL Lounge
- Be honest about item condition
- 3. Consider insurance for flooding and earthquakes
- In-flight refreshments
- Earning as an elite member
- How to earn rewards…
- Chase Sapphire Preferred® Card
- 3. Tap your home equity for a loan or line of credit
- Pros
- Get a Medicare Advantage plan with a travel benefit
- Find preapproved auto loans
- What isn't covered?
- You want lounge access
- 7. Pay for a last-minute upgrade
- Average annual full coverage car insurance premium by age
- 6. Up to $200 in annual hotel credit
- Business support ideas for women
- Bitcoin or crypto ETFs
- 3. States with progressive tax structures
- You don't want to be at the mercy of an appraisal
- Damage you do to others
- Online financial planning services
- 5. Deducting too many business expenses
- Job scams
- 4. Sponsored content
- Hotels in the Bahamas
- Restaurant rewards
- 6. Buy online, pick up in store
- Expensify
- 5. Update the house numbers
- Mortgage REITs
- Poshmark
- Step 4: Decide where to sell your goods
- Should you invest in retail stocks in 2023?
- GoReady
- TIPS funds
- Redeem miles to fly with an infant
- What Exodus is best for
- 4. Grailed
- Research the people
- Making your choice
- Air Canada preferred seat cost
- 5. Nurse blogger
- Professional liability insurance
- Should you refinance your student loans?
- Leave 30% of your income for wants
- The aggregate method
- Price
- Virtual cheers
- Hyatt Hotels in Las Vegas
- DVC is way more expensive than most other timeshares
- How can I qualify to borrow more?
- Compare manual and digital budgeting options
- Home equity loans and lines of credit
- Marketing and advertising
- Credit score for VA refinance
- For dining/grocery/entertainment rewards, no annual fee
- 4. Consider extra coverage
- Other perks of Delta premium economy
- Adjust the temperature on your water heater
- 5. Newborn and post-pregnancy services
- Airfare deal alerts
- How it works
- Hot wallet
- Is it better to get a second mortgage or refinance?
- 10. Make local guides
- Term life insurance rates for smokers
- Amber Grant for Women
- 4. Fiverr
- 3. Land a brand deal and make sponsored content
- 4. Get the appropriate licenses and permits
- Do a visual inspection
- 5. The ability to transfer points
- Bond mutual funds = lower returns (but lower risk)
- What is the Chase direct deposit requirement for checking accounts?
- 2. Pick which options to buy or sell
- 3. Dividend reinvestment programs (DRIPs)
- Revocable life insurance trusts
- WomensNet Grants
- 5. You cannot have bought the house through a like-kind exchange
- The cons
- Andover Companies: Best coverage
- What if my mortgage closing is late and my credit refroze?
- Military and federal employees discount
- Who pays for title insurance
- You want to diversify your investment portfolio
- Estate tax exclusion
- 7. Blogger
- 9. Catering
- 7. Primrose Schools
- 12. Edible Arrangements
- Buyouts
- 80,000 miles in Emirates business class to the Middle East, Africa, Asia, Australia or New Zealand
- Book a Oneworld multi-carrier award flight
- Ages 45 to 54
- Travel protection and coverage
- Co-branded credit cards
- 4. Keep the deadline in mind
- Beta
- 6. Reconsider tax preparers who don't e-file
- 8. Small Business Innovation Research and Small Business Technology Transfer programs
- Switch to an income-driven repayment plan
- IHG Ambassador benefits at all the other IHG brands
- EV range can still be a sticking point
- Where does Algo buy cars?
- FHA cash-out refinance
- Average annual rates for men
- You prefer booking flights directly through the airline
- Walmart Foundation
- 10. Deduction for state and local taxes
- Unpaid interest is cancelled
- Step 4: Get all licenses and clearances needed to start a catering business
- Decrease your interest rate
- Ko Olina Lounge
- Traveling with expired passport rules during COVID
- Write a clear and detailed description
- 3. Book and Bed Capsule Hotels in Tokyo
- Micro- and mega-cap companies
- 4. Take surveys for money
- Home prices keep climbing
- Equifax business credit scores
- An example of buying a call option vs. buying the underlying stock
- 6. Add your minor child
- Ages 25-34
- 4. Barclays rewards
- Conventional loans
- 2. Evaluate the stock
- 6. Find local gigs through Nextdoor
- Other student loan calculators
- Seasonal Energy Efficiency Ratio (SEER) Rating
- Cons
- Make multiple credit card payments per month
- 6. Compare mortgage rates and fees
- PayPal Cashback Mastercard®
- What vehicle rentals are excluded?
- Chase Freedom Unlimited®
- The cash option
- The solution
- 7. Up to $300 Equinox credit
- 7. Put the cash from the sale to good use
- The details
- 4. Replace your income, plus add a cushion
- 5. Other Caribbean islands
- 6. Claiming a home office deduction
- 8. Your fare type will determine how many points you earn
- 5. Plan for retirement
- Pros
- Book a fifth freedom flight
- Aer Lingus
- 7. Decide what to wear
- 7. Get rewards
- 4. Real estate investment trusts (REITs)
- Ruby Lane
- Best Kauai Marriott hotels
- biBERK professional liability insurance
- Matching Hyatt to MGM Rewards
- 5. Monitor your total credit utilization
- Best low-cost business expense tracker
- High PE ratio
- Consumer services
- Loss of use coverage
- Pros of gold stocks
- Methodology
- Guarda: 4.6 out of 5 stars
- ARM caps
- Evaluate the risk
- 1099-A
- Identity theft or a mixed credit file is dragging your score down
- Open for Business Grant Program in Houston
- Fly business or first class to Europe
- 6. McDonald’s
- Free unlimited photo storage with Amazon Photos
- Redeeming beyond DVC properties is a terrible deal
- USDA streamlined assist refinance loans
- What are your options?
- You want to redeem points for travel directly
- Other ways to earn Choice Privileges points
- Delta Companion Certificate
- 6. The Bar Method
- 3. Take stock of your assets and liabilities
- 5. Contact your own insurance company about the rental car accident
- 6. Keep an investing journal
- When are taxes due in October?
- Lowering your credit score
- Purchase energy-efficient appliances
- 5. Do your due diligence
- 2. IDSHIELD
- Stay at a Universal resort
- How to freeze your credit
- Free online tax filing software compared
- How to maximize your rewards
- Test drive the car
- Cheap auto insurance after an accident
- Audi on Demand fair fueling promise
- Earning on partners
- Sample letter requesting a goodwill deletion
- 7. Microloans
- 4. Special dividends
- National Association for the Self-Employed (NASE) grant
- 2. Figure out whom and how much you owe
- 6. You cannot be subject to expatriate tax
- Carry your documents
- CarFax
- 3. Set a target purchase price
- How Marriott elites get access to United Silver status
- You like Capital One’s travel portal
- 5. Select your investments
- You find it hard or impossible to get a mortgage
- Why it’s the best
- Salary
- Injuries to you
- HSAs and FSAs
- Romance scams
- 5. Earn More United miles
- 4. Think about getting a second opinion
- 1. Penny stock scams abound
- 10. Social media management
- Hybrid REITs
- Choose the amount of coverage you need
- Step 5: Find small business funding
- 13. Firehouse Subs
- 4. Pledge loyalty to a single airline
- Con: A longer repayment term means you pay more interest over time
- Exodus at a glance
- Borrowers may need strong credit and income
- Become a social media influencer
- Launch email marketing campaigns
- When are taxes due in October?
- 5. Explore new industries
- Which is better when?
- No collections until Fresh Start expires
- EPS (TTM) and earnings date
- 7. Confirm they'll sign on the dotted line
- Payday loans and the Military Lending Act
- Cheapest minimum coverage car insurance in Texas for 20-year-olds
- 2. Promote your business
- Your money management style
- What if someone else’s name is on the title?
- USDA streamlined assist refinance
- 2. Evaluate the stock
- 11. Mortgage interest deduction
- Consider purchasing CFAR travel insurance coverage
- Current student loan interest rates
- Where to get preapproved for a car loan
- 5. Get a quote
- 5. Purchase the appropriate levels of insurance
- 6. Award stays include a 5th night free
- Qantas Business Lounge
- How do you want the IRS to tax your business profits?
- 1. Buy on your own terms
- Small bank loans
- United Airlines
- How to maximize your rewards
- 5. Gather your paperwork
- 11. Create a local grocery delivery service
- National Association for the Self-Employed Growth Grant
- 4. Capital One Travel
- Best insurance company for affordability: NJM
- Money market mutual funds = lowest returns, lowest risk
- 1. Have a goal for your index funds
- Our pick for: Everyday spending
- 4. Fly on holidays for free drinks
- 7. Freelance
- Pros
- Complicated spouses
- How to change your Delta flight in the app
- How long will the rental be covered?
- What is the Global Entry interview like?
- Elite status benefits and goals (or lack thereof)
- 8. $300 SoulCycle credit
- Creative services and goods business ideas for women
- Sector ETFs
- 6. Photoshoot stylist
- Average online personal loan rates over time
- Why it’s the best
- Choose a business entity
- Step 3: Sell
- You must have a high-deductible health plan
- Mint Mobile
- Charitable remainder trusts
- Air France-KLM Flying Blue
- Redemption value
- 8. Score free stuff
- You can negotiate the price
- Rocket Money
- Construction loan financing
- 6. Clean or replace porch lights
- 2. Find the right location for your vending machine
- 8. Kiddie Academy
- Venture capital
- TreasuryDirect
- Jewelry warranties
- Ages 55 to 64
- Stay skeptical
- Cons of gold stocks
- Buying a put vs. shorting example
- Sustainable Agriculture Research and Education (SARE) Grants
- 3. Estimate your total savings needs
- 1099-B
- How renting from RVshare works
- 6. Freelance writer or editor
- Cybersecurity liability insurance
- Average monthly life insurance rates for senior women
- 9. Southern California Job Creators Grant
- Pay bills on time
- Hawaiian Airlines-JetBlue partnership
- Amazon Elements
- You enjoy squeezing value out of travel credits and benefits
- Pay the security deposit upfront in cash
- Points expire
- See how APYs have moved at high-yield accounts versus regular accounts
- Perkins loans
- 1. Figure out your gross income
- Debt-to-income requirements
- Cash-out refinance
- Nationwide: Best for cleaning businesses that need fidelity bonds
- Ask about discounted rates
- 6. Enrichment activities for children
- Where to get it
- Include a few high-quality photos
- 4. The O Pod Hotel in Tel Aviv, Israel
- Cold wallet
- Whole life insurance rates for nonsmokers
- Disability housing grants
- 4. Register for taxes and obtain an EIN
- Make Money
- 4. Find a (safe) day care facility
- 3. Decide how much stock you want to buy
- 5. Preferred dividends
- Irrevocable life insurance trusts (ILITs)
- Program for Investors in Microentrepreneurs
- Rotating spending categories
- 5. Southwest Rapid Rewards® Plus Credit Card
- Employment status
- Extra perks
- Leverage elite status
- Traditional financial advisors
- 7. Using nice, neat, round numbers
- Debt scams
- 8. Graphic designer
- Etsy
- Examine riders
- 14. IHop
- Debt management plan
- Other insurance available from biBERK
- What's next?
- 80,000 miles to Maldives in business class
- Consider a condo
- Compare car insurance rates for 35-year-olds
- Dinner at Renata’s Hearth
- Ex-dividend date
- Verizon Small Business Digital Ready Community Grant
- Pros
- 8. Check if they would have your back
- Commit 20% of your income to savings and debt paydown
- Bonus features
- VA Interest Rate Reduction Refinance Loan
- 4. Decide where to buy the SPY ETF
- Bank of America Charitable Foundation
- 12. Gambling loss deduction
- Book one to three months in advance
- Our pick for: Beginner-friendly features
- REITs and dividends
- Additional standard deduction 2023 (taxes due 2024)
- What is the Buffett indicator?
- United Club
- For budget-friendly options: Priceline
- Break down your results
- American Airlines
- Google Flights Explore
- 4. Get quotes from at least three companies
- 12. Start a virtual event planning company
- Bizee’s Fresh Start Business Grant
- 4. Sell some merch
- Experian business credit scores
- Have the car inspected by a mechanic
- 7. Suspend your benefit
- How much does it cost?
- 3. Learn the difference between investing in stocks and funds
- Itemize your deductions using credit card tools
- Cons
- 1. Examine your cooling needs
- 3. Know your budget
- Tap into savings to pay down debt
- What if I don’t have personal auto insurance?
- You want trusted traveler program credit
- 9. Up to $240 in digital entertainment credit
- Average bank personal loan rates over time
- 6. Optimize your finances with tax planning
- Earned Income tax credit
- The key to making money from blogging
- Hawaii weather and terrain
- Charitable lead trusts
- 8. Test your tech and set up your space
- 9. Leave items in your cart
- 11. Business planning service
- Publicly-traded REITs
- How much dwelling coverage do I have?
- 1. Check out CDs at online banks or credit unions.
- 5. Split the family into different itineraries
- Con: Consolidating privately means you give up federal loan benefits
- Full details about Exodus' ratings
- Universal life vs. whole life insurance rates for men
- Increase your debt load
- Safety ratings
- Retailing
- 5. Vestiaire Collective
- Exodus: 4.5 out of 5 stars
- Bask Bank
- A second shot for borrowers who rehabilitated and defaulted
- Average monthly life insurance rates for senior men
- Buy it
- Keep credit utilization below 30%
- 7. Dunkin’
- California car insurance rates after a speeding ticket by company: 35-year-old drivers
- Amazon Family
- 3. Decide how much stock you want to buy
- Opt for the single-rider line
- 5. Rent out a room
- HEAL loans
- 3. Choose a name and business entity
- 2. Find your adjusted gross income
- What do I need for my loan application?
- 7. UFC Gym
- Step 5: Determine your pricing
- How to contact AAA
- American Express
- 7. Know your strategy
- 2. Compare prices
- You can use credit card benefits to travel in basic economy
- Equity funding
- How to request a copy of your credit report
- How to maximize your rewards
- Whole life insurance rates for smokers
- 6. You’re not paying for superfluous benefits
- You and your things
- 2. Research index funds
- Ages 35-44
- 5. American Express Membership Rewards
- 8. Short-term business loans
- U.S. Bank Altitude™ Reserve Visa Infinite® Card
- 8. Tutor your peers
- 6. Dividend funds
- Reevaluate your business finances
- 7. Gather your loan paperwork
- Venmo Credit Card
- Citi Custom Cash® Card
- After you're approved for Global Entry
- Leveraged ETFs
- 7. Videographer
- Secure a unique business name
- 2023 tax rates by state
- You'll come out ahead by investing the money
- Alternative energy discount
- Marital status and spouse’s credit history
- Your stolen stuff
- Pros of mailing a credit dispute letter
- 4. Determine the best asset allocation for you
- The premiums are expensive
- 5. Focus on the long term
- Emirates Skywards
- Potentially more incentives
- Step 6: Find and manage candle supplies
- 9. Kumon Math and Reading Centers
- 15. Melting Pot
- Capital One® Walmart Rewards™ Mastercard®
- Bankruptcy
- Tin Leg
- Work with a real estate agent to find your ideal second home
- Ages 65 to 74
- Complimentary DashPass membership
- Liability coverage
- 1099-C
- Purchasing a Plumeria Lounge day pass
- 1-year target estimate
- Gusto Impact Award
- Cons
- Add a stopover with the Excursionist Perk
- 10. Stephen L. Tadlock Veteran Grant
- Nationwide the EV infrastructure is in its infancy
- 3. No foreign transaction fees
- Account linking
- VA cash-out refinance
- You’re committed for decades
- 13. IRA contributions deduction
- Average cost of renters insurance in California by city
- Cash-out refinance
- Other VA refinance requirements
- 6. Find out who's responsible for paying what in a claim
- Additional standard deduction 2024 (taxes due 2025)
- What you can do: Research the impact of your investments
- What you need to get preapproved for a car loan
- 6. Invest in the right equipment
- 7. It's free
- How formal do you want your management structure to be?
- Small online loans
- 5. Make money from your blog with affiliate links
- Native American Direct Loan
- 5. Upwork
- Competition remains steady
- Eureka
- Government-backed loans
- 5. Get insured
- Example CD APYs at select institutions
- 5. Watch for sales (They happen frequently)
- 4. Borrow from your 401(k)
- FedEx Small Business Grant Contest
- 2. Time it right
- Limited-time additional perks
- How does coverage vary for international rentals?
- How United elites get access to Marriott status
- Upside
- 10. $189 Clear credit
- Average credit union personal loan rates over time
- Student loan scams
- Add a stopover (or two)
- 9. Video producer
- 10. Sign up for the mailing list
- 2. Penny stocks are hard to vet
- 12. Tax consulting
- 5. Money market funds
- Look at the rate of return on cash value
- 2. Consider longer CD terms or a CD ladder.
- Jewelry service plans
- Universal life vs. whole life insurance rates for women
- No continual borrowing
- Best business expense tracker for travel-related expenses
- Reliability
- Consider paid advertising
- Bilt
- 7. Hospice caregiver
- You applied for new credit recently
- Commercial auto insurance
- 1. Think long term versus short term
- Use credit card perks, maybe
- 1. Review your W-4
- Keep credit accounts open
- Cheapest auto insurance in Texas for 20-year-olds with poor credit
- California car insurance rates after a speeding ticket by company: 20-year-old drivers
- If the car is sold, ask if you still owe money
- 2. Managing money
- Plan G vs. Plan N
- Place a debit card hold
- During booking
- The following Southwest credit cards include upgraded boardings:
- Airport lounge access
- Unsecured personal loan
- For everyday spending
- 4. Research your industry
- Make a lump sum payment
- Capital One SavorOne Cash Rewards Credit Card
- 7. Mobile apps and entertainment for children
- 3. Have funds ready
- How to maximize your rewards
- 5. Petra Capsule Hostel Near Petra, Jordan
- 6. Pick your investments
- Which is easiest to qualify for?
- 13. Sell zero-waste products
- 6. Brand your bakery
- 9. Business credit cards
- Know what’s inside
- Bars
- CarGurus
- Filing status
- Consider a personal loan
- Whether it might be better to earn points instead
- Government bonds
- Technology business ideas for women
- 8. E-commerce seller on Instagram
- 5. Select your retirement investments
- Anti-theft devices discount
- Assets
- Visible by Verizon
- 9. Elite status members will earn more points and get more perks
- Etihad Guest
- 9. Follow up after your interview
- Reading candlestick charts
- Money Manager
- Public non-traded REITs
- Swappa, Gazelle
- 16. Moe’s Southwest Grill
- Illiquidity
- Debt settlement
- 6. Book hotel suites
- Individual gold stocks
- 1. 'I’ll wait until the stock market is safe to invest.'
- 1099-CAP
- Moving averages
- Amegy Bank Small Business Boost Program
- Resident status rules
- 11. Feed the Soul Foundation's Restaurant Business Development Program
- Make 10 years' worth of payments
- Selling your contract typically comes at a loss
- 14. 401(k) contributions deduction
- Other sources for Choice Privileges points
- 8. Jazzercise Inc.
- Request an accessible seat
- Showers
- 3. IDENTITYFORCE ULTRASECURE+CREDIT
- Delta Air Lines
- Fleet expense management tools
- Venmo Small Business Grant
- 5. Offer memberships
- In-flight entertainment
- Cheapest car insurance after a DUI
- Resident status rules
- 8. Use a do-over
- Ages 45-54
- … And how to redeem them
- 9. Take surveys
- 3. Predict the option strike price
- Appraisal fee
- Think twice before paying taxes with a credit card
- 3. Look for equipment rebates and tax credits
- What’s next?
- 4. Open your account
- Reach out to your lender
- Capital One SavorOne Cash Rewards Credit Card
- 11. Reimbursement of application fees for TSA Precheck or Global Entry
- Register for an employer identification number
- 6. United℠ Explorer Card
- Winner: Virgin Atlantic
- Consider paying with miles
- Cons of mailing a credit dispute letter
- Social Security scams
- Travel credits
- 10. Photographer
- 11. Use referral programs
- Risks of municipal bonds
- 10. Ace Hardware
- Customer satisfaction
- Average annual car insurance costs from large companies
- Coinbase Wallet: 4.4 out of 5 stars
- 2. Look into tax-loss harvesting
- There are upfront costs to charge at home
- Space out credit applications
- Security
- 1. Avoid filing your tax return on paper
- 8. Pizza Hut
- You enjoy the red carpet treatment
- Two-day ticket deals
- Parent PLUS loans
- Credit cards
- Akko
- Is the Buffett indicator high or low right now?
- Switch to LED lighting
- Ship items on time and be nice
- 14. Make products for pets
- InboxDollars Surveys
- Calculating miles you’ll earn on an Alaska flight
- 6. Capital One Rewards
- 4. Get organized
- Earned income
- 8. Get a preapproval letter
- Verizon Visa® Card
- What is the procedure for filing a claim?
- What happens if you are declined?
- Which credit cards to use for primary coverage
- Downside
- A word about IRA eligibility
- Inexpensive
- Chubb: Best for high-value homes
- New car discount
- 401(k) loans
- How to use Samsung Pay
- 1. Automate transfers
- 7. Invest to build your future goals
- The cash value is slow to grow
- Weather in the Bahamas
- Iberia Plus Avios
- How are my belongings covered?
- Step 7: Start marketing your candles
- 17. P.F. Chang’s
- Lenders may charge origination fees
- Low PE ratio
- SimplyMiles
- The FruitGuys Community Fund
- 1099-DIV
- Other meals
- 4. 25% back on United in-flight purchases
- FHA home improvement loans
- Look at nonchain hotels
- Carnegie Corporation
- Set a price alert
- The following Southwest credit cards offer EarlyBird Check-In perks:
- 3. Add back certain deductions particular to MAGI
- Step 6: Hire, train, and outfit your staff
- Scout out service dog relief areas
- Huckleberry: Best for buying cleaning business insurance online
- Make biweekly payments
- 8. Shared accessories and attire
- Perks await when you fly economy with elite status
- How it works
- 3. Pick your index funds
- Cell phone insurance deductible
- 6. Get a business checking account and credit card
- Discount points
- Dividend per share (DPS)
- 12. Up to $100 in statement credits annually at Saks Fifth Avenue
- 9. Digital product salesperson
- 6. Take advantage where you can
- 12. Write a review
- 3. Penny stocks can be difficult to sell
- 13. PR agency
- Best Maui Marriott hotels
- Medical payments coverage
- 2. 'I’ll buy back in next week when it’s lower.'
- 4. Invest for growth
- The fresh start will be reflected on credit reports
- 8. Childbirth education or doula
- Dayton Community Development Corporation grant programs
- Determine if you need a rider
- 12. Chicagoland Job Creators Quest Grant
- 2. Make sure your bonus is actually taxable
- Monitor your credit reports
- 3. Sell your castoffs
- 2. Get direct deposit
- JetBlue-Qatar Airways partnership
- Plan G vs. Plan F
- Renting Disney Vacation Club points can be complicated
- 15. Saver’s credit
- Do Choice Privileges points expire?
- Our pick for: Fixed monthly payments
- Methodology
- Tactic 3: Use your military benefits
- Install dimmer switches
- The insurer of last resort: Citizens Property Insurance Corporation
- Points and miles
- 6. Pod Hotels in New York City
- 6. Sell your wares on Etsy
- 15. Create custom clothing
- No-exam life insurance rates for nonsmokers
- Other people and their things
- How quickly could the IRS implement the child tax credit expansion?
- How to have more taxes taken out of your paycheck
- Ages 55-64
- Don't just forget about it
- 10. Search for regular jobs for kids
- Identify grants that are suited to your business
- Expenses
- Get professional assistance
- Wash sale rules
- You'll need the cash for other things
- Safety equipment discount
- 6. Mexico
- Medicare scams
- Qantas Airways
- 11. Podcast host
- Pressure to make a purchase
- AndroMoney
- Private REITs
- Be aware of surrender charges
- 3. Consider step-up or bump-up CDs.
- 11. Snap-On Tools
- 18. Pinkberry
- Transparency, regulation and data
- Pay with points and miles
- General cost
- Gold stock ETFs
- Support and resistance
- Commercial umbrella insurance
- 3. Hold the shares inside an IRA, a 401(k) or other tax-advantaged account
- Book a Saver Award to Northern South America
- Cheapest auto insurance in Texas for 20-year-old drivers with one speeding ticket
- Customer support
- Marriott Hotels in Las Vegas
- Visit during the low season
- Consider vacation rentals
- Rebook if you find a cheaper price
- Wildfires
- 9. Gold’s Gym
- For booking travel experiences beyond the cruise: TripAdvisor
- How much administrative complexity can you handle?
- Aeroplan
- How to maximize your rewards
- The Amplifier Grant
- 5. Kiwi
- Our pick for: Cell phone and internet bill payments
- Google Opinion Rewards
- Our pick for: Flat-rate travel rewards
- Citi Prestige® Card
- Example money market account APYs at select institutions
- Use your refund to pay down debt
- Dividend yield
- Farmers vs. State Farm home insurance
- Home equity loan
- Sources
- Blue Cash Preferred® Card from American Express
- Saves you time
- 13. Walmart+ Monthly Membership Credit
- 10. Foodie
- Apply for a business loan
- The details
- Upgrading to Main Plus
- Cricket Wireless
- 8. Grow your financial well-being
- The cash value rate of return can be low
- 13. Dispute charges
- 6. High-yield savings accounts
- Is there enough liability coverage?
- Individual consumer discretionary stocks
- Traditional marketing
- 1099-G
- Part-year resident status rules
- EVs come with an element of the unknown
- 5. Travel protections
- 3. Use tax deductions
- 3. Stay on top of things
- 9. Denny’s
- VA supplemental loans
- 16. Health savings account contributions deduction
- After booking
- Income approach
- 7. Don’t neglect your finances
- Preboard
- Pay extra on your monthly car payment
- Use smart power strips
- 5. Buy your home insurance policy and read it closely
- No-exam life insurance rates for smokers
- 6. OfferUp
- Resident status rules
- Prepared to put down roots?
- Best insurance company for accident forgiveness: Geico
- AKC
- Paying with a private-party auto loan
- An example of selling a call option
- Part-year resident status rules
- Long-term care insurance deductible
- 7. Citi ThankYou Points
- 4. Determine the option time frame
- Escrow account funds
- Cars.com
- Examples of other Synchrony co-branded cards:
- 7. Delta SkyMiles® Gold American Express Card
- 2. Count your coins and bills
- Tax scams
- Can you pay estimated taxes at any time?
- Singapore Airlines
- 14. Professional organizing
- Less financing flexibility
- 19. Pizza Hut
- USI Affinity Travel Insurance Services
- Rates may be higher than other financing options
- Trust Wallet: 4.3 out of 5 stars
- 3. 'I’m bored of this stock, so I’m selling.'
- Farm Bureau Ag Innovation Challenge
- San Antonio Economic Development Department grant programs
- Apply for PSLF forgiveness
- Your heirs are likely saddled with paperwork when you die
- Ford Foundation
- Three-day ticket deals
- Government assistance
- For seasonal spending
- Allstate Protection Plans
- How should investors use the Buffett indicator?
- China Airlines
- Benefits
- How much can you borrow?
- 16. Sell vintage clothing online
- 7. Separate your business finances
- Chase premium checking accounts
- How to have less taxes taken out of your paycheck
- 7. Get financing
- 4. Set a budget for your stock market investment
- 5. Enter a debt management plan
- Confirm grant details
- 9. Choose a real estate agent carefully
- 11. Personal stylist
- Cost basis calculations
- Experian
- 5. Rebalance your investment portfolio as needed
- You can’t control your portfolio
- 12. Social media consultant
- Understand the different approval processes
- 12. Pillar to Post Home Inspectors
- 1099-INT
- 4. Call in a pro
- Pros
- 13. Beyond Open Small Business Grant Program
- 6. No blackout dates
- 4. Contribute to a tax-advantaged account
- 4. Earn badges through Live videos
- User experience
- FHA and VA energy-efficient loans
- Other airline partners
- Compare Medigap plan types
- 17. Self-employment expenses deduction
- Capital One
- What are your long-term goals for the business?
- 4. ID WATCHDOG PREMIUM
- Where to get it
- FedEx Small Business Grant Contest
- Embrace
- Paying with a personal loan
- Cheapest auto insurance for poor credit
- Swagbucks
- Just the car
- 4. Decide where to buy your index funds
- Earning as a Mileage Plan elite
- Pet insurance deductible
- 5. Choose investments that match your tolerance for risk
- Capital One Savor Cash Rewards Credit Card*
- How to transfer Marriott points to United miles
- Privacy
- Self-finance your business
- 10. Rapid Rewards points never expire
- Investment scams
- Virgin Atlantic Flying Club
- 15. Photography
- 1Money
- What are the deductibles?
- 20. Red Robin
- Potentially high monthly payments
- Experiential marketing
- 9. Fitness nurse
- Key person insurance
- 4. One more thing to know about your tax refund
- Be flexible with destination, airport and dates
- 4. Register your home business
- Redeem points for hotel stays
- Spa
- 9. Shared home improvement equipment
- Learn more about SBA loans:
- Drawbacks
- 7. Self-publish an e-book
- 17. Begin niche blogging
- Where is the best place to exchange currency?
- Flood determination and monitoring fees
- Farmers vs. Allstate home insurance
- Home equity line of credit
- 5. Make the call
- Vanguard 500 Index Fund (VFIAX)
- Coffee and nonalcoholic options
- Methodology
- Corporate bonds
- Aim to save at least 10% to 15% of your pretax income
- 14. Access to the American Express Global Lounge Collection at airports
- 12. Professional organizer
- Past years' state tax rates
- Allianz Global Assistance
- 3. Prep for grocery shopping
- 9. Estate planning: Protect your financial well-being
- What happens if I forget to pay my quarterly taxes?
- 1. Choose to DIY or get some help
- 3. Find your vending machine
- Consumer discretionary ETFs
- 5. Keep your expenses in check
- How does RVshare insurance work?
- Lubbock Economic Development Alliance grants
- Nonresident status rules
- Cheapest auto insurance in Texas for 20-year-old drivers with one at-fault crash
- Reviews
- 10. Ben & Jerry’s
- Call and ask
- Coca‑Cola Foundation
- 18. Home office deduction
- Earn Medallion Qualifying Dollars through credit card spend
- Asset-driven approach
- Hiscox: Best for buying commercial crime insurance online
- Japan Airlines
- Tory Burch Foundation Fellows Program
- Be flexible about travel dates
- Figo
- Paying by cash or check
- Nonresident status rules
- How to use a W-4 to owe nothing on a tax return
- 8. Bank of America® rewards
- Create a business plan
- Dividend payout ratio
- Prepare and submit applications
- 1. Live in the house for at least two years
- 10. Narrow down your ideal type of house and neighborhood
- Organization
- Friends and family
- 11. Earning a Companion Pass is a big money saver
- There can be tax implications if you withdraw cash from your policy
- 13. Dropshipper
- 7. CDs
- 13. Keller Williams
- 21. Starbucks
- Gap Good Rewards Mastercard® Credit Card
- How much is auto insurance after an at-fault accident?
- MetaMask: 4.0 out of 5 stars
- Young Farmer Grant Program
- 1099-K
- 14. Bizee Fresh Start Business Grant
- How do you get a perfect credit score?
- Rural housing repair loans and grants
- Multiple people per contract can get messy
- SAVE benefits available by October 2023
- Earthquakes
- Our pick for: An upgrade path
- Step 7: Market during your own events
- Asurion
- Prime Visa
- When do you have to pay it back?
- How's your job security?
- How do I find a currency exchange near me?
- Enroll in the Always Audi program
- Earning on partners
- Travel insurance deductible
- Government recording fees
- Vanguard Total Stock Market Index Fund (VTSAX)
- 15. Centurion Lounge Complimentary Guest Access
- Good student discount
- Bonzah
- Airport lounge access
- 16. Event space
- Missed payments negatively impact credit
- Freshen up your merchandise
- Access to repayment options and forgiveness is restored
- Golden crosses and death crosses
- 10. Medical product sales
- Cons
- 5. Defer your bonus
- 19. Educator expenses deduction
- Emirates Lounge day passes
- Quiet room
- To match with a vacation planner: Avoya Travel
- Singapore Airlines
- How to maximize your rewards
- 18. Become an e-book writer
- 7. Poshmark
- 8. Secure business funding
- Part-year resident status rules
- MetLife
- Build your credit score
- 11. Monetize your social media accounts
- 2. See whether you qualify for an exception
- Edmunds
- Wildfires
- 13. Baking or cooking expert
- Country Financial: Best for using an agent
- How can I make paying quarterly taxes easier?
- AeroMexico
- 22. Wingstop
- BriteCo
- State Farm vs. Allstate home insurance
- The Alamo Small Business Grant Program
- Directors and officers insurance
- 15. Venmo Small Business Grant
- 5. Build a community
- SAVE benefit starting in February 2024
- Free business capital
- How to maximize your rewards
- Where can you exchange currency for free?
- 5. Buy index funds
- Capital One Venture X Rewards Credit Card
- An example of buying a call
- Loan-origination charges
- Spring road trip? Save money at the pump
- Consider backup funding options
- Cash-out refinance
- Vanguard Total Bond Market Index Fund (VBTLX)
- How much will you really need to retire?
- Pre-qualify to compare offers
- Homeowner discount
- Rental Cover
- Winner: Virgin Atlantic
- 14. Consultant
- 17. Interior decorating
- Property-based passive income ideas
- Compare whole life insurance quotes
- 14. FastSigns
- 11. Edible Arrangements
- Home loans for Native American veterans
- Hilton Hotels in Las Vegas
- Home Depot Foundation Veteran Housing Grants Program
- 20. Solar tax credit
- 5. Get a business license
- Floods
- Global Entry or TSA PreCheck credit
- Market approach
- Economic events
- 10. Vacation rentals
- 8. Get advertising revenue from your blog or YouTube channel
- 6. BookWithMatrix
- Increase business revenue
- 12. Get paid to stream on Twitch
- 5. Focus on investing for the long-term
- 3. Keep the receipts for your home improvements
- 16. Upgrade to Marriott Bonvoy Gold Elite status
- 14. DIY and craft expert
- 8. The Platinum Card® from American Express
- Equifax
- 12. There are no blackout dates
- Cathay Pacific
- 23. Red Lobster
- Seven Corners
- Take clear photos
- 1099-LTC
- Why we love RVshare
- State Farm vs. USAA home insurance
- 16. U.S. Chamber of Commerce America's Top Small Business Awards
- Cheapest auto insurance in Texas for 20-year-old drivers after a DUI
- SAVE benefits available by July 2024
- Service
- How to maximize your rewards
- 19. Start ghostwriting
- Are you financially prepared?
- Nationwide
- Our pick for: Customizable bonus categories
- Cryptocurrency pros
- Mortgage insurance or fees for government-backed loans
- Renting a car? Take advantage of rental insurance benefits
- Vanguard Balanced Index Fund (VBIAX)
- Design
- Discover it® Cash Back
- Purchase tow truck insurance
- Student away-at-school discount
- Sure
- 4. Minimize restaurant spending
- Consumer Cellular
- Hotel status
- 15. Event or wedding planner
- 18. Woodworking or furniture building
- Best Big Island Marriott hotels
- Flooding
- Check the insurer’s financial strength
- Other details you should know about Exodus
- Expand your coverage with endorsements
- Electrum: 2.5 out of 5 stars
- Selling a put example
- Fund-a-Farmer Grants
- 11. Telehealth consulting
- Section 184 Indian home loan
- 3. Building a budget
- 21. Energy efficient home improvement tax credit
- Which one should I take?
- For general travel
- Step 8: Get funding
- CREDIT CARD RENTAL BENEFITS CAN TAKE YOU FARTHER
- Earnings
- How it works
- Are the proceeds taxable?
- 9. Decide on your menu
- Nonresident status rules
- Best insurance company for having few customer complaints: American Family
- Look beyond United
- Use Audi on Demand rewards points
- An example of buying a put
- Hurricanes
- 6. Get the agreement in writing
- More from NerdWallet
- Earthquakes
- 17. Upgrade to Hilton Honors Gold status
- 15. Slime or ASMR maker
- How to Start Investing: A Guide for Beginners
- Gifting large sums of money to family
- Complete financial plan and investment advice
- 8. Buy a rental property
- 15. Merry Maids
- Compare car insurance rates for drivers with a DUI
- 1099-MISC
- Access to short-term relief
- 17. EBay Up & Running Grants
- 8. Establish a marketing plan for growth
- 11. Electronics repair
- 20. Become a resume writer
- Pets Best
- 6. Keep an eye on your index funds
- Traveling abroad? Watch for foreign transaction fees
- Personal loan
- Vanguard Growth Index Fund (VIGAX)
- 11. Stick to your budget
- Best Robo-Advisors
- Choice Hotels
- 4. Explore your financing options
- Write an honest description
- 12. Cinnabon
- Clif Family Foundation
- 22. Electric vehicle tax credit
- Sample rates for return-of-premium life insurance
- Transfer points to other loyalty programs
- Our pick for: No security deposit, low annual fee
- Cell phone protection coverage
- Bootstrapping
- Be careful when booking Hyatt free nights
- Is the interest paid tax-deductible?
- Cryptocurrency cons
- Pest inspection
- How to transfer United miles to Marriott points
- The 10 largest lottery jackpots
- Flooding
- 18. Money-saving perks for stays booked through The Hotel Collection
- 16. Travel ambassador
- The details
- Best Online Stock Brokers for Beginners
- Transfer partners
- 16. Ecommerce reseller
- 19. Graphic design
- 24. American Eagle
- GemShield
- Testing a resistance level
- State Farm vs. Progressive home insurance
- America’s Seed Fund
- California earned income tax credit (CalEITC)
- 18. Grants.gov
- Home and property disaster loans
- Where you live
- Upsie
- Where to get it
- 21. Open a coworking space
- Spot
- Cheapest car insurance for young drivers
- California earned income tax credit (CalEITC)
- Pay with a Visa Infinite card
- Earning as a Mosaic elite
- 6. Manage your stock portfolio
- Vanguard Small Cap Index Fund (VSMAX)
- Seating areas
- Used Car Search Pro by iSeeCars
- Discover it® Chrome
- 5. Get discounts on entertainment
- How Asset Allocation Impacts Your Portfolio
- Paying for vacations, cars or other stuff
- Specialized guidance and/or want to meet with an advisor face-to-face
- Hawaiian Airlines Hawaiian Miles
- 9. Rent out your own house
- Winter storms
- Research the insurer’s reputation for customer service
- Is Exodus right for you?
- Brighter Future Fund
- 1099-NEC
- 12. Education specialist or course creator
- 6. Separate your business and personal finances
- Perks that are the same across cards
- To book a vacation package with an airline or hotel
- Instacart Mastercard®
- 9. Become an Instagram influencer
- 10. Obtain bakery equipment
- Our pick for: Maximized value
- Prepaid expenses
- 7. Honor the settlement agreement
- 19. Complimentary benefits through Fine Hotels & Resorts
- Rank for local SEO
- 9. Capital One Venture Rewards Credit Card
- What Is Socially Responsible Investing and How to Get Started
- TransUnion
- 20. Clothing boutique
- 2. Know your own ESG criteria
- 25. Anthropologie
- Price clothes to sell
- California young child tax credit (YCTC)
- Pros
- FHA loans for disaster victims
- How to compare life insurance quotes
- Your coverage limits
- Other ways to redeem your points
- Other disasters
- Trupanion
- California young child tax credit (YCTC)
- 1. Has the W-4 form changed?
- Capital One Venture Rewards Credit Card
- Vanguard Total International Stock Index Fund (VTIAX)
- ETFs vs. mutual funds
- 17. Makeup artist
- Giving a laid-back loan
- 17. Gig worker
- MyLowe’s Rewards Credit Card
- Average car insurance costs after a speeding ticket
- Amber Grants
- 19. GrantWatch
- Cheapest full coverage car insurance in Texas for 30-year-olds
- 13. Dairy Queen
- 4. Saving money
- 22. Become an online coach
- Hail
- Work spaces
- 12. Make the most of walk-throughs and open houses
- Loyalty discount
- 6. Map out major purchases
- Portfolio management only
- Hilton Honors
- 21. Bed and breakfast
- 10. Get a roommate
- 26. Banana Republic
- How we review crypto wallets
- 1099-OID
- California child and dependent care tax credit
- Cons
- Life insurance quotes vs. rates
- Your deductible
- 12. Academics courses
- California child and dependent care tax credit
- 8. Hire staff
- Tax monitoring and research fees
- Ink Business Unlimited® Credit Card
- 18. Cosplay designer
- Setting up joint bank accounts
- Card ecosystem
- 3. Choose ESG investments
- John Hancock
- Reasons to take pause before renting from RVshare
- 13. Medical billing and coding contractor
- Kubota Hometown Proud Grant Program
- Step 9: Plan for emergencies — both financial and others
- 23. Flip failing websites
- 11. Price your products
- Use a credit card with rental car collision damage waiver
- 2. What does it mean to be exempt from taxes?
- 20. Free shipping with ShopRunner
- NJM: Best small regional insurer
- Become a AAA contractor
- Multiple cars discount
- 18. Life coach
- 22. Food truck
- Alternative investment passive income ideas
- Tropical storms and tornadoes
- 27. DSW
- Jewelers Mutual
- 1099-PATR
- NASE Growth Grant
- California adoption cost tax credit
- How much are car insurance quotes?
- Tiers
- Our pick for: No security deposit, low annual fee, potentially high credit limit
- For Hilton lovers
- How it works
- 10. Monetize your Twitch channel
- California adoption cost tax credit
- Our pick for: Bank of America® customers
- Title-related costs
- Bathrooms
- ETFs vs. stocks
- 19. Hair stylist
- Winner: Virgin Atlantic
- JetBlue TrueBlue
- Ledger: 5.0 out of 5 stars
- Farmer Veteran Fellowship Fund
- 14. Cold Stone Creamery
- Your claims history
- Fully underwritten life insurance
- 24. Become a web developer
- NYC tax rate schedule
- Best insurance company for financial strength: Auto-Owners
- Cheapest auto insurance for senior drivers
- Tornadoes
- TrueCar
- Ink Business Cash® Credit Card
- 21. Concierge service
- Multiple policy (bundling) discount
- 10. Hilton Honors American Express Aspire Card
- 7. Restrict online shopping
- 28. J. Crew Factory
- S&P 500 PE ratio
- 1099-Q
- California nonrefundable renters tax credit
- Cheapest minimum coverage car insurance in Texas for 30-year-olds
- Above-the-line deductions
- 13. Language courses
- Hurricanes and tropical storms
- Where to get it
- California nonrefundable renters tax credit
- 13. Don’t skip the home inspections
- Hire more employees
- Marriott Bonvoy
- 19. Virtual assistant
- 23. Restaurant or cafe
- 11. Peer-to-peer lending
- Buy now, pay later apps
- Average car insurance costs after a DUI
- 14. Career coach
- Amazon Web Services (AWS) Imagine Grant
- The features of your home
- 25. Start a podcast
- Pets
- Earning as an A-List elite
- 9. Write your day care contract and policies
- 22. Low fares through the International Airline Program
- 20. Artist
- 5. Stock your vending machine with inventory
- 29. Journeys
- 1099-R
- Understand your eligibility
- Veteran Business Outreach Centers
- 3. When should I review my W-4?
- Wildfires
- Ultra Mobile
- 24. Craft brewery
- Trezor: 4 out of 5 stars
- Below-the-line deductions
- Other policies
- Simplified issue life insurance
- 26. Be a social media influencer
- Luggage restrictions
- American Express® Gold Card
- 23. Savings with the Cruise Privileges Program
- 21. Graphic designer
- 8. Delay purchases with the 30-day rule
- 20. Pet sitter and dog walker
- 30. Madewell
- Lavalier
- Zero-interest credit card
- Shiller PE ratio
- 1099-S
- Which factors determine car insurance quotes?
- 11. Sell your photography
- Where you live
- 12. Set the atmosphere
- Pros
- 14. Negotiate with the seller
- The details
- Credit required
- 12. Private equity
- Compare auto insurance rates for drivers with poor credit
- 15. Child care provider
- Note application deadlines and awards dates
- Cheapest auto insurance in Texas for 30-year-olds with poor credit
- Your dog
- Our pick for: Average credit and rewards
- For Amazon and Whole Foods devotees
- 14. Business or marketing courses
- 4. Can I adjust my W-4 multiple times throughout the year?
- Real estate agent commissions
- 24. Car Rental Privileges
- 22. Entertainer
- Automatic payments discount
- 25. Ice cream shop
- 31. Old Navy
- Travel Insured International
- How renting from Cruise America works
- Service-Disabled Veteran-Owned Small Business Program
- 6. Evaluate the price of the business with the earnings, assets or market approach
- Bank of America® Customized Cash Rewards credit card
- Guaranteed issue life insurance
- How it works
- 27. Create online courses
- Your credit history
- 9. Get creative with gifts
- 21. Remote travel agent
- 6. Make the right investments
- TJX Rewards® Platinum Mastercard®
- Home equity financing
- SafePal: 3.8 out of 5 stars
- 1099-SA
- Does Choice Privileges match elite status?
- Our pick for: Prime gaming
- Our pick for: Paying rent
- Property and transfer taxes
- 25. Deals through the Amex Auto Purchasing Program
- USAA: Best for military and veterans
- Tracfone
- 26. Personal chef
- 32. Target Circle
- Consider financing alternatives
- 7. Secure funding
- Where to get it
- 28. Become a marketing consultant
- The coverage you need
- Cons
- 15. Buy adequate home insurance
- 23. Dropshipper
- Early shopper discount
- Overseas acceptance
- Most popular: HO-3 insurance
- Boots to Business
- What should you do if you’re invested in these REITs?
- 15. Personal wellness
- Sinkholes
- Best insurance company for discounts: Amica
- Title insurance
- 26. An extra point when booking Platinum Destinations Vacations
- 22. Tour guide
- 27. Landscape services
- 13. Crypto staking
- No-cost alternatives
- Cheapest auto insurance in Texas for 30-year-old drivers with one speeding ticket
- State Farm Good Neighbor Citizenship Company Grants
- Your deductible
- Capital One Savor Cash Rewards Credit Card*
- Paid-in-full discount
- 10. Lower your car costs
- Methodology
- Assess your skills
- 29. Develop an app
- 27. Additional value through the InCircle rewards program
- 24. Data analyst and infographic designer
- 23. Bookkeeper
- 28. Pet grooming
- 33. Aveda
- Institute for Veterans and Military Families
- Our pick for: Average credit and no annual fee
- Apple Cash: digital card
- 12. Become a dog walker with Rover or Wag
- Your claims history
- Paperless discount
- Boost Mobile
- Your house
- Look up the insurer’s financial strength
- Broadest coverage: HO-5 insurance
- How does Cruise America insurance work?
- 5. Maximizing your credit cards
- For devoted Walmart fans
- 28. AmEx Carbon Emissions Tracker
- 25. Online educator
- 11. Reduce your gas usage
- 24. Personal trainer
- 29. Florist
- 34. BareMinerals
- Google Ad Grants
- 8. Set up your office
- 16. Courses in hobbies or interests
- 30. Make a smart appliance
- Your other policies
- 1. Open a brokerage account
- Your location
- Average annual car insurance costs for drivers with good vs. poor credit
- Align your schedule
- Veteran Women Igniting the Spirit of Entrepreneurship
- Cheapest auto insurance in Texas for 30-year-old drivers with one at-fault crash
- How it works
- 26. Pet personality
- Product creation passive income ideas
- 35. Clinique
- Why we love Cruise America
- Cash App debit card
- 31. Tap into virtual reality experiences
- Your home’s features
- 30. Massage therapist
- You and your stuff
- Research the insurer’s reputation for customer service
- Limited coverage: HO-1 and HO-2 insurance
- 13. Sell unused gift cards
- Citi® / AAdvantage® Executive World Elite Mastercard®
- 29. The Global Dining Access by Resy
- 27. Coach
- 12. Bundle cable and internet
- 25. Baker
- 36. CVS
- Costco Anywhere Visa® Card by Citi
- Veteran Institute for Procurement
- 17. Bookkeeping and accounting
- 32. Make a niche dating site
- Your dog
- Individual stocks
- 2. Find the ETFs you want to invest in
- 14. Write content
- Feed your passion
- The Unless Project
- Our pick for: Limited credit
- Where to get it
- Hold the right cards
- 30. Exclusive events
- Erie: Most generous coverage
- 37. e.l.f. Cosmetics
- Reasons to take pause before renting from Cruise America
- Cheapest auto insurance in Texas for 30-year-old drivers after a DUI
- For Target loyalists
- 33. Develop a chatbot
- 28. Calligrapher
- 13. Switch your cell phone plan
- 31. Nutritionist
- Office of Small & Disadvantaged Business Utilization
- U.S. Bank Altitude® Go Visa Signature® Card
- Best insurance company for customer satisfaction: State Farm
- Our pick for: Target gaming purchases
- 31. An open invitation to events with Membership Experiences
- 3. Buy the ETF
- Pros
- 38. Lancome
- 6. Borrowing money
- 9. Set up tax accounts and learn about deductions
- 7. Secure capital to make the purchase
- 18. Consulting
- 14. List your spare bedroom on Airbnb
- 34. Offer matchmaking skills
- Ask about discounts
- 32. Personal trainer or fitness instructor
- Compare insurance rates for drivers with an accident
- Dividend stocks
- 32. A better view with American Express Preferred Access
- 4. Hold onto the ETF
- 29. Meme maker
- Ting
- Cons
- 39. Sephora
- Replacement cost vs. actual cash value
- State and local governments
- For cruise package deals: Costco Travel
- 35. Be a virtual assistant
- Delta SkyMiles® Platinum Business American Express Card
- Consider overall premium cost, not just discounts
- 14. Reduce your electric bill
- Aldi Cares Community Grants
- Play by the rules
- 30. Topic expert
- 33. Beauty services
- 15. Publish a digital course
- 40. SmashBox
- How much is auto insurance for young drivers?
- Our pick for: Good credit
- Shop around
- Cheapest full coverage car insurance in Texas for 40-year-olds
- For Costco customers
- 36. Reinvent exercising
- 15. Lower your student loan payments
- 34. Life coach
- 41. The Body Shop
- How renting from Outdoorsy works
- 19. IT support
- Understand the guest policy
- 33. No foreign transaction fees
- Car-related passive income ideas
- Verizon Visa® Card
- Zendesk Tech for Good Impact Awards
- 37. Create eco-friendly, health-friendly makeup and beauty products
- Nationwide: Best online experience
- 42. Ulta
- 15. Sell your gently used clothes
- Best insurance company for military members: USAA
- 34. Upgrade with points
- Keep it honest
- 16. Cancel unnecessary subscriptions
- Directly with the Cruise Line
- 38. Open a food truck or restaurant pop-up
- United Club℠ Infinite Card
- 35. Tutor
- 16. Wrap your car with ads
- Cheapest minimum coverage car insurance in Texas for 40-year-olds
- What is a prepaid debit card?
- 20. Graphic design
- 35. No preset spending limit
- Offer giveaways
- Lively
- Homeowners insurance deductibles
- The Audacious Project
- Our pick for: Travel
- 39. Start an organization business
- 17. Refinance your mortgage
- 36. Daycare provider
- 43. AMC Theatres
- Know how to navigate the SFO airport (to literally get inside)
- 36. A lower annual fee on additional cards
- 17. Rent out a parking space
- Average annual car insurance costs for young drivers by company
- How does Outdoorsy insurance work?
- What is a prepaid credit card?
- 40. Do interior design for young professionals
- Our pick for: Walmart gaming purchases
- 44. Barnes & Noble
- 16. Trade in old phones, electronics for cash
- 37. CreditSecure
- Provide inspiration
- 18. Set savings goals
- 37. Senior care provider
- Cheapest auto insurance in Texas for 40-year-olds with poor credit
- Wells Fargo nonprofit grants
- Where can you get a prepaid card?
- 21. Social media management
- 45. Redbox
- Share your expertise
- Openly: Fewest consumer complaints
- 38. Interpreter or translator
- Reasons to love Outdoorsy
- How do you add money to a prepaid card?
- Marriott Bonvoy Brilliant® American Express® Card
- Our pick for: Instant gratification
- Make posts shoppable
- 39. Housecleaning
- Chase Freedom Flex℠
- Which prepaid card is best?
- 17. Get a babysitting gig
- 38. Cell phone protection
- 19. Track spending
- Reasons to take pause before renting from Outdoorsy
- Cheapest auto insurance in Texas for 40-year-old drivers with one speeding ticket
- 22. Marketing copywriter
- Create opportunities for interaction
- 1. Review your mission
- 39. Purchase protection
- 40. Automotive repair
- 7. Your credit score
- 20. Pay off high-interest debt
- 1. Gather your information
- 2. Refine your search with keywords
- 23. Virtual assistant services
- 40. Return protection
- Be personable
- 41. Handyman services
- 18. Rent out your car
- Our pick for: PlayStation purchases
- Cheapest auto insurance in Texas for 40-year-old drivers with one at-fault crash
- Prime Visa
- 41. Extended warranty
- 21. Keep savings in a high-yield savings account
- Our pick for: Personalized rewards
- Give advice
- 42. Dry cleaners
- 3. Narrow down based on location
- 8. Close the deal with the appropriate documents
- 42. Baggage insurance plan
- State Farm: Best perks
- Let your customer speak
- 22. Create a 50/30/20 budget
- 43. Hardware store
- 2. Choose the right liability car insurance coverage levels
- 43. Car rental loss and damage insurance
- Discover it® Cash Back
- Cheapest auto insurance in Texas for 40-year-old drivers after a DUI
- 4. Look for organizations with similar values
- 1. Do your research
- 19. Sign up for TaskRabbit
- 44. Self-storage business
- 44. Premium Car Rental Protection
- 2. Get organized and make it official
- Verizon Visa® Card
- 45. Freelance copywriting and content creation
- 5. Consider hiring a grant writer
- 45. Trip delay insurance
- 23. Shop consignment and thrift stores
- 46. Rideshare driver
- 20. Become a private tutor
- 46. Trip cancellation and interruption insurance
- 3. Find the right financing
- 47. Website development and design
- Cheapest full coverage car insurance in Texas for 50-year-olds
- 47. Premium Global Assist Hotline
- 48. Sell clothes online
- Our pick for: Best Buy purchases
- You’re a first-time home buyer
- 24. Join initiatives to get free items
- 3. Decide if you need full coverage car insurance
- 21. Drive for Uber, Lyft
- 49. SEO consultant
- 8. Taxes
- Cheapest minimum coverage car insurance in Texas for 50-year-olds
- 50. App development
- You live in a high-risk area
- 25. Use car sharing services
- Cell phone protection
- 22. Make deliveries for Amazon, Uber Eats
- Purchase protection
- Cheapest auto insurance in Texas for 50-year-olds with poor credit
- You have a dog
- 26. Stock up on household supplies when they’re cheap
- 9. Paying off debt
- Return protection
- 4. Collect and compare car insurance quotes
- 23. Find work as a housesitter
- Extended warranty
- You own valuable items
- 27. Enjoy community events
- Cheapest auto insurance in Texas for 50-year-old drivers with one speeding ticket
- Baggage insurance plan
- Our pick for: Digital Microsoft Store purchases
- Pros of buying a business
- 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 Texas for 50-year-old drivers with one at-fault crash
- Trip cancellation and interruption insurance
- 25. Put your drone to work
- Cheapest auto insurance in Texas for 50-year-old drivers after a DUI
- Compare car insurance companies
- Cheapest full coverage car insurance in Texas for 60-year-olds
- Cons of buying a business
- 10. Insurance
- Cheapest minimum coverage car insurance in Texas for 60-year-olds
- Cheapest auto insurance in Texas for 60-year-olds with poor credit
- Cheapest auto insurance in Texas for 60-year-old drivers with one speeding ticket
- Cheapest auto insurance in Texas for 60-year-old drivers with one at-fault crash
- 11. Investing
- Cheapest auto insurance in Texas for 60-year-old drivers after a DUI
- Cheapest full coverage car insurance in Texas for 70-year-olds
- Cheapest minimum coverage car insurance in Texas for 70-year-olds
- Cheapest auto insurance in Texas for 70-year-olds with poor credit
- 12. Starting or running a business
- Cheapest auto insurance in Texas for 70-year-old drivers with one speeding ticket
- 13. Travel
- Cheapest auto insurance in Texas for 70-year-old drivers with one at-fault crash
- Cheapest auto insurance in Texas for 70-year-old drivers after a DUI
- The NerdWallet Smart Money podcast
1. Roll your debts onto a balance transfer credit card
0% introductory APR period.
A year or more to pay off debt without interest.
Requires good to excellent credit to qualify.
Usually carries a balance transfer fee.
Higher APR kicks in after the introductory period.
Also called credit card refinancing, this option transfers credit card debt to a balance transfer credit card that charges no interest for a promotional period, typically 15 to 21 months. You’ll need good to excellent credit (690 credit score or higher) to qualify for most balance transfer cards.
A good balance transfer card will not charge an annual fee, but many issuers charge a one-time balance transfer fee of 3% to 5% of the amount transferred. Use NerdWallet’s balance transfer savings calculator to see whether the interest you save over time will wipe out the cost of the fee.
Aim to pay your balance down completely before the 0% intro APR period is over. Any remaining balance after that time will have a regular credit card interest rate.
» COMPARE: Best balance transfer credit cards
2. Apply for a credit card consolidation loan
Fixed interest rate means your monthly payment won’t change.
Low APRs for good to excellent credit.
Direct payment to creditors offered by some lenders.
Hard to get a low rate with bad credit.
Some loans carry an origination fee.
Credit card consolidation loans, also called debt consolidation loans, are fixed-rate loans that come in a lump-sum, ranging from $1,000 to $50,000, with terms up to seven years. You can apply for a consolidation loan at your local credit union, bank or through an online lender.
Credit unions are not-for-profit lenders that may offer their members more flexible loan terms and lower rates than other lenders, especially for borrowers with fair or bad credit (689 credit score or lower). The maximum APR charged at federal credit unions is 18%. You’ll need to become a member before you apply for a consolidation loan, but membership is typically quick and affordable.
Bank loans provide competitive APRs for good-credit borrowers, and benefits for existing bank customers may include larger loan amounts and rate discounts. If you have a good relationship with your bank, ask what their consolidation options are before committing to another lender.
Online lenders offer debt consolidation loans for borrowers across the credit spectrum, so they’re a good option if you can’t qualify through a credit union or bank. Most online lenders also let you pre-qualify without affecting your credit score, which is less common among banks and credit unions. Pre-qualifying gives you a preview of the rate, loan amount and term you may get once you formally apply.
Look for lenders that offer special features for debt consolidation. Some lenders, for example, will discount the rate on a debt consolidation loan or send the loan funds directly to your creditors, simplifying the process.
Use NerdWallet’s debt consolidation calculator to enter all of your debts in one place, see typical rates from lenders and calculate savings.
» COMPARE: Best credit card consolidation loans
Upgrade
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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