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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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- If you’re booking vacation rentals
- ParkRideFly USA
- Pay off the loan faster
- From the manufacturer
- 1. Make dollar-cost averaging your friend
- 3. Prove income or savings balance
- Cash reserves
- Trust Wallet
- You often borrow other people’s cars
- Bank business loans and lines of credit
- You might miss out on annual rewards
- 4. A 25% boost when redeeming for travel via Chase
- The Credit Card Competition Act
- 2. Consider whether you should buy Netflix stock
- 2. Plan a trip to countries that don’t require coronavirus testing or self-quarantine
- As part of earning the Southwest Companion Pass
- Cash-out refinance
- Tesla car insurance rates by state for a Model 3
- Hyatt Regency
- 3. Determine how many points you'd like to spend
- Itemizing
- 3. Consider a brokerage account
- 4. $189 Clear Statement credit
- Hotel points work a little differently
- Book with points
- Bank of America® Premium Rewards® Elite credit card
- 2. Trust in diversification
- 2. Pass the exam
- Perks that are the same
- VA loans
- Sell your car to an individual or private party
- 3. Stay invested with the "buy and hold" strategy
- Average pay
- Chase 2020 bonus categories
- Blue Plus
- 3. Set up balance alerts to stay on top of spending
- Tax-advantaged investing
- Survivorship life insurance
- Decide how you'll finance your second home
- How to enroll in USPS Informed Delivery
- How much does an abortion pill cost?
- 1.Meet the requirements
- Adding a co-signer to your application
- Conventional mortgages: As low as 3% down payment
- Fly on the holidays (or as far from it as possible)
- Seek referrals
- Medicare Part D IRMAA in 2024
- Phase 3: Donut hole (coverage gap)
- Hold a co-branded credit card — or two
- DTI for VA loan
- 3. Get a decision and accept or decline the offer
- Owner-builder loan
- The Hartford professional liability insurance (errors and omissions insurance)
- When to get an unsecured loan
- 5. Delivering food, groceries or other items
- What does an FHA appraiser look at?
- Earning rates
- Platinum elite, Titanium elite and Ambassador elite
- 2. Shop around for the best loan
- Annual whole life insurance rates for nonsmokers
- FHA streamline refinance
- Do you file 2023 taxes in 2024?
- Automobiles and components
- Consider equity financing:
- 5. Art consultant
- Ownership and management team
- $27.5 billion in SBA 7(a) loans were provided to small businesses
- Step 4: Refine your withholdings
- Credits upon credits
- 5. Change your ID cards
- Workers’ compensation insurance
- Cost of paint and materials
- If you're 59½ or older and the account is at least 5 years old
- Down payment?
- Negative information, if any
- 4.5-star plans
- 7. Curate subscription boxes
- Chase Sapphire Reserve®
- 2. Fit4Mom
- How often you travel
- You have a lifelong dependent, such as a child with a disability
- Usury laws for payday lenders
- Get quotes from dealers
- 2. Choose an investment account
- When the statement balance and current balance are different
- An unsecured card for authorized users
- Videos
- Singapore Airlines credit cards
- 92% of loyal customers ranked price and value for the top reason why they stay loyal to brands
- Get or maintain good credit
- 3. Take notes and pictures
- 3. Decide where to buy mutual funds
- Fly from the U.S. to South America in business class
- Personal loans
- 7. You’ve reached a dead end
- 3. Choose a business entity structure
- Free fitness training
- 3. Child care
- Sponsored content
- 1. Online advice services
- American Express® Business Gold Card
- Chase 2019 bonus categories
- Improve your chance of loan approval
- PenFed: Best for a seamless application process
- 3. Learn to use AI tools
- Best insurance company overall: Travelers
- Airport lounge access
- How many credit card balances are you transferring?
- Directly from the U.S. government through the TreasuryDirect website
- 2. You must have owned the home for at least two years
- Signs of fraud
- What fees do Chase checking accounts have?
- 1. Make sure you’re eligible to get an EIN online
- Interchange
- Our pick for: Gas station spending
- 6. Video production
- Mutual funds
- The Denver Foundation grants
- Imposter scams
- 2. Verify their credentials
- 2. Take a cut with affiliate marketing
- Fast Break for Small Business
- Wedding loan
- 1. States with no income tax
- Reports for investment advisors
- Takeaway
- 3. Budget for emergencies
- 3. Book a Saver fare
- A bonus isn't a sure thing
- Managing multiple billing cycles
- You might have to pay fees
- 4. Crunch Fitness
- Uninsured and underinsured motorist coverage
- 2. Get an accountability partner
- 4. Pick a flight
- Include daily tasks in your calculations
- Bitcoin pros
- If your employer offers a 401(k) match
- Perks that renew annually
- Services that charge renters
- ✅ Fifth night free for award stays
- Progressive
- 2. Pool your points
- Delta credit cards with car rental insurance
- Lengthen the repayment term
- Bond ETFs
- 2. Points are easy to earn
- 2. Incorporation fees: Under $300
- Documentation
- AAA non-member rates
- 3. Motel 6
- Your strategy: Cast a wider net
- Marriott Bonvoy
- Whether your options have value
- Step 3: Obtain business licenses, permits, and insurance
- Pearl
- International, global and emerging market funds
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- 5. A $50 hotel credit
- Part-year resident status rules
- SALT deduction for property taxes
- Winner: Alaska Airlines
- 25% savings on in-flight food and beverage purchases
- Travel bonus reward rates
- How to dispute errors on your credit report
- Use your employer benefits
- Our pick for: Intro APR + high rewards on everyday spending
- 5. Travel coverage
- Establishing domicile
- Partner awards from other airlines
- Permanent life insurance: Other options
- 4. Do a background search
- 3. Gain professional experience
- 2. Create your envelope categories
- Benefits unique to the World of Hyatt Business Credit Card
- Checkout 51
- Chase 2018 bonus categories
- Other fuel cards to consider
- 3. Swagbucks
- Do tipped workers earn the minimum wage?
- Blue Extra
- 1. Derivatives
- There is a pro-rata rule for backdoor Roths
- Points are worth more when you book travel through Chase
- Reasons for unfreezing your credit
- Invest early and often
- If you are converting your 401(k) to an IRA
- If your tax rate is low now and you expect it to be higher in retirement
- Goodbudget
- Home supply is still limited
- 3. Pentagon Federal Credit Union (PenFed) Rewards
- Allow up to 50% of your income for needs
- 2.Pick your path
- Verizon
- FHA loans: As low as 3.5% down payment
- Learn more about Zelle
- Con: You’ll likely pay much more than you get
- Forgiveness comes sooner
- Premiums
- LifeLock pros
- Winner: Hyatt
- Explore online sales channels
- 1. You'll share responsibility for paying
- USDA guarantee fee
- Choosing corporate tax status for your LLC
- First Time Homebuyer Program
- Compare pricing models
- How much is Netflix a month?
- Other 100% mortgages
- 3. Prioritize your financial goals
- Zengo Wallet: 4.8 out of 5 stars
- 3. Don’t use the money
- 1. Making money
- Personal property coverage
- Your payments could increase
- Annual whole life insurance rates for smokers
- Members can redeem miles through partner airlines
- When do you need to file taxes in 2024?
- Customer acceptance
- 6. Graphic design
- Company history
- 50% of SBA microloans went to Black- and Latino-owned businesses
- Step 5: Sign and date your W-4
- Delta SkyMiles
- 6. Let your leasing company or lender know about your switch
- What to do if the debt collector made an error
- Commercial auto insurance
- 4. Robotics
- 4. Pay a few months’ rent upfront as a security deposit
- Scenario 2: A falling market
- Estate tax exemptions by state
- How long will it take to pre-qualify?
- Target Circle™ Credit Card
- 5. $300 a year in travel credit
- Wants
- 4. Personal business loans
- Bedding and kitchenware
- But wait, there’s more
- 4. Most small islands are uninhabited
- Integrated device manufacturers (IDMs)
- Applying for Total Disability Discharge
- Avoiding fuel surcharges
- 3. Review the investment choices
- Dispose of the expired card
- Q: How should consumers choose the right plan?
- An unsecured card backed by a co-signer
- 69% of consumers say choice of retailer is influenced by where they can earn customer loyalty/rewards program points
- International travel with an adult
- Book travel via the AmEx portal or Expedia
- 4. Personal trainers
- Fly within South American countries
- How this calculator works
- Traditionally better rates, more discipline required
- 4. Pet sitting or dog walker
- Distributions
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- Can I renew my passport?
- 4. Up to $200 in annual credit for airline incidental fees
- 3. You must have lived in the house for at least two years in the five-year period before you sold it
- 2. Get the required business insurance, licenses and EIN
- Example interest checking APYs at select institutions
- Does Chase have a free checking account?
- What buyers and sellers should ask real estate agents
- Size of the AC system
- Prepare for a future tax bomb
- 7. Podcasting
- What qualifies:
- Seek a pause in student loans, contact your college for aid
- Our pick for: Paying down medical debt
- Upsides
- 4. Select a provider to open your Roth IRA
- Gold streaming companies
- Personal loan calculator
- You may have to pay taxes
- 6. Shopping for groceries
- Instant deposit
- Timing credit applications with big future purchases
- Upgradeability
- You could wind up upside down
- Personal injury protection
- 2. Calculate the car loan amount you can afford
- 5. Business property rent
- 4. Review your beneficiaries
- The cons of Roth IRAs
- Take into account any workplace coverage
- Accessibility
- Where to get auto insurance quotes
- 3. Personal loan
- The best full coverage car insurance companies
- 3. Park Hyatt St. Kitts Christophe Harbour
- Find a car loan
- What factors affect the amount you can borrow
- Tap into equity
- Premiums
- Appraisals
- AAA member rates
- American Express® Green Card
- You rent cars frequently
- Online business loans and lines of credit
- Inquiries on your credit
- 6. Combine points from multiple cards
- 1. Stick to a list
- The federal student loan servicers
- It can give you a better track record
- Fresh Start for incarcerated student loan borrowers
- Book with points
- You spend a lot on travel, food and working out
- Arrive early to enjoy the lounge
- Autotrader
- Pros of brokerage DRIPs
- 3. Consider buying the dip
- 3. Turkish Airlines Miles&Smiles
- Buy it directly on an exchange
- Customized workout plan
- 4. Adhere to the ethical standard
- FHA loans
- Chase 2016 bonus categories
- Mint
- 4. Pay your bill before your issuer reports to the credit bureaus
- 3. Move the money
- FICO score ranges
- If your tax rate is higher now than you expect it to be in retirement
- Business insurance
- Our pick for: No credit check at all
- 1. Cash dividends
- Simpler
- 3.Network
- 3. Bonds and bond index funds
- Jumbo loans: As low as 5%-10% down payment (varies)
- Cheap car insurance after a speeding ticket
- Partner with other businesses
- 2. Book in Chase's travel portal
- Urgent travel passport appointments
- Mobile payment scams
- Delta premium economy luxury amenity kit
- Medi-Cal
- Use a debt repayment method
- 3. Pre-qualify
- 3. Set clear goals
- Things don’t always go as planned
- FHA cash-out refinance
- 5. Pay and book
- For nights out and nights in: the Capital One SavorOne Cash Rewards Credit Card
- Consumer durables and apparel
- Star Alliance
- Competitor practices
- 2023 credit card bonus categories
- The Platinum Card® from American Express
- 7. Calligraphy
- Bitcoin cons
- 4. FasTrak
- Mission statement
- Next: Best for getting general liability insurance fast
- You travel often and need the perks
- Tactic 2: Use points or miles
- Additional coverage add-ons
- The Parking Spot
- International ETFs
- 5. Customer experience management, or CXM
- 5. Provide reference letters
- 4. Consider how much to invest in Nvidia
- Exodus
- Claims-made vs. occurrence-based EPLI
- 6. TSA PreCheck/Global Entry/NEXUS credit
- Expand your reach
- Submit PSLF employment certification forms
- 5. Friends and family
- 8. Create an airport-centric app
- Campground
- Topping off your earnings from flying
- 3. Chem-Dry
- You want to help your family pay estate taxes
- Places with the highest median down payments (in dollars)
- Credit card pros and cons
- Choose an offer
- Pay with points and cash
- Hyatt Place
- Activate the new card
- 4. Narrow in on a business that aligns with your budget, goals and resources
- A student credit card
- Versatile redemptions
- Cathay Pacific credit cards
- Book Virgin Atlantic upper class with points
- 4. Align your investments with your values
- 4. Contact your car rental company
- Transfer points to travel partners
- Sam’s Club Business Mastercard
- How to contact AARP
- 5. Research first-time home buyer assistance programs
- 5. Compare tax preparation fees
- 3. Limit spending to the envelopes
- 5. Lawn care business
- Benefits unique to the World of Hyatt Credit Card
- Group life insurance through work
- Candidate pay expectations
- Chase 2015 bonus categories
- Navy Federal: Best for military members
- $300 annual travel credit
- Tips for unfreezing your credit
- Our pick for: Online purchases
- 1. Fill out a mortgage application
- Our pick for: Strategic shoppers
- Hotel elite status
- How large is the balance you are transferring?
- Eat cheaper
- 5. Up to $200 in Uber cash for rides
- How to protect yourself
- 1. Find a dividend-paying stock
- Copays, coinsurance and deductibles
- How to use Google Pay
- 2. Gather the necessary information
- 2. Your credit could suffer if the relationship changes
- Installation and labor: $75 to $250 per hour
- 2. Chase Sapphire Reserve®
- Phase 4: Catastrophic coverage
- What doesn't qualify:
- IFundWomen Universal Grant Application Database
- How much is YouTube TV?
- 2. States with flat income tax rates
- Takeaway
- 4. Tackle high-interest debt
- The Hartford workers’ comp insurance
- Tips for shopping for title and settlement companies:
- 3. Fewer business fees
- 3. Pick an investment account
- 5. Pure Barre
- 10.5 million-plus PPP loan recipients submitted forgiveness applications
- Step 3: Determine your target market
- ✅ Multiple airline transfer partners
- Terms
- 3. Open a brokerage account
- 3. Office space: $100 to $1,000 per employee per month
- How to contact Ethos
- Cheapest full coverage car insurance in Texas for 20-year-olds
- 3. Expedia
- 4. Hyatt Hotels & Resorts
- Dun & Bradstreet business credit scores
- Whether your company is public or private
- Gold
- Why it’s the best
- Nonresident status rules
- 2. Give yourself a pause
- First-Year Graduate School Fellowships in Pharmaceutical Science
- Debit card overdraft service
- Fabless semiconductor designers and GPU makers
- If your loans are transferred by the Department of Education
- 4. Compare investment fees
- SALT deduction for personal property taxes
- Reach elite status faster with 1 Loyalty Point per 1 mile earned
- Infographics and other types of written content
- Negotiate a lower interest rate with your issuer
- How to report fraud or identity theft
- Cost (and quality) of living
- Funeral insurance: Pays for your funeral only
- Cons of brokerage DRIPs
- Seller concessions
- 4. Get your business licensed and permitted
- Group training sessions and group classes
- How to get high returns on your cash
- Chase 2014 bonus categories
- DFW Terminal B
- Qualify for a second-home mortgage
- 2. Stock dividends
- When and how long can you request a mail hold?
- Do I need to update Global Entry when I get a new passport?
- Home study
- 4.Start applying for jobs or pitching your services
- 4. You cannot have claimed the home sale capital gains exclusion recently
- What is the Chase checking account minimum balance requirement?
- LifeLock cons
- Winner: Hilton, slightly
- Acquire a new business
- VA funding fee
- 8. IT consulting
- Grants.gov
- Term life insurance rates for nonsmokers
- Look for volume discounts
- Downsides
- 3. Obtain the necessary certification and licenses
- 4. Choose the best retirement plan for you
- 7. Selling clothes, books, electronics and more
- An FHA appraisal isn't an inspection
- Average rates from the biggest auto insurers after an at-fault crash
- 3. Register your business and get insured
- ARMs are complex
- 6. Auto expenses
- Enjoy added perks when you reach elite status
- What happens if you don't file your taxes?
- Unlimited cashback match
- 2022 credit card bonus categories
- 8. Tattoo artist
- If you’re buying gifts
- 3. Get a companion pass
- 1. Do all or some of the work yourself
- Get rid of FHA mortgage insurance
- Copays, coinsurance and deductibles
- 3. Points are easy to use
- 2. Diversify your holdings
- 6. Offer to start out month-to-month
- Scenario 3: In a flattish market
- What hotels will you actually stay at?
- 7. Extra points on Lyft rides
- Savings and debt repayment
- Follow the rules
- 7. Transfer points to airline and hotel partners
- 0% intro period + travel rewards
- 6. Self-funding
- 9. Become a destination wedding planner
- Your points earnings
- Places with the lowest median down payments (in dollars)
- Hyatt Regency
- 1. Find a dividend-paying stock
- It gives you more room on credit cards
- An alternative credit card
- Home equity lines of credit pros and cons
- Earn a companion ticket with your spending
- Take advantage of partner awards from other airlines
- 6. Purchase protections
- Consider 'fifth freedom' routes
- Emirates Skywards Premium World Elite Mastercard®
- Tax credits for people with kids
- Equity REITs
- The Plum Card® from American Express
- Sell to an online used car retailer
- 4. Check out dividend-paying stocks
- Accidental death and dismemberment insurance
- Expensify
- 3. Tap your home equity for a loan or line of credit
- VantageScore ranges
- Marketing and advertising
- Damage you do to others
- Price
- Leave 30% of your income for wants
- 6. Up to $200 in annual hotel credit
- 1. SoFi
- Should you invest in retail stocks in 2023?
- Job scams
- Emirates economy class checked baggage policy
- 401(k) loan
- 3. States with progressive tax structures
- Other perks of Delta premium economy
- Construction loans to build a house
- How do I access a HELOC?
- GET MORE MILES, MORE BENEFITS WITH A DELTA CARD
- 6. Conventional renovation loans
- Find preapproved auto loans
- 5. Note your state's estate tax laws
- Product/service and customer
- Honorable mentions
- How can I qualify to borrow more?
- Bitcoin or crypto ETFs
- 6. Influencer marketing
- You frequently use a car-sharing service
- Friend and family loans
- Chase Sapphire Preferred® Card
- 3. Take the convenience out of online shopping
- 4. Book a staycation
- Pre-Doctoral Fellowship in Pharmaceutical Science
- Application decision
- Update credit card information for bills
- White papers, e-books and presentations
- Restaurant rewards
- Apply for a credit card at a credit union
- Come up with an investing strategy
- 5. Newborn and post-pregnancy services
- Health care FSA
- Understanding your results
- 6. Housecleaning
- 2. Free or cheap financial apps
- Google Maps
- How to maximize your rewards
- 4. Fiverr
- Step 2: Choose a business entity
- 2. Pick which options to buy or sell
- Was the information in your balance transfer application accurate?
- 3. Dividend reinvestment programs (DRIPs)
- Net worth of U.S. families by income
- 5. You cannot have bought the house through a like-kind exchange
- What is the Chase direct deposit requirement for checking accounts?
- Revocable life insurance trusts
- Unpaid interest is cancelled
- Price
- Franchising
- Companies with equal rates
- 9. Catering
- Index funds
- National Association for the Self-Employed (NASE) Growth Grants
- 3. Make sure they’re a good fit
- 3. Land a brand deal and make sponsored content
- Term life insurance rates for smokers
- Consider adding a surcharge for credit card use
- Amber Grant for Women
- How much is Hulu?
- Your credit utilization
- 3. Turn to qualitative stock research
- 3. Emirates offers chauffeur service
- Andover Companies: Best coverage
- 4. Apply for the loan and receive funds
- Better cash back redemption value
- Your elite status carries over to Oneworld partners
- SkyTeam
- 2021 credit card bonus categories
- 5. ExpressToll
- $7.3 billion in bonded contracts were awarded to small businesses
- 4. Grand Hyatt Kauai Resort & Spa
- Geico
- 2. Consider premium paints
- Switch from an adjustable- to a fixed-rate loan
- 4. Inventory: 17% to 25% of your total budget
- 7. Get a co-signer or a roommate with strong credit
- 5. Hampton by Hilton
- 8. DoorDash discounts
- Whether it fits with your financial situation
- Switch to an income-driven repayment plan
- 7. Venture capital
- 3. Open a brokerage account
- 10. Make local guides
- Is it better to get a second mortgage or refinance?
- You want to diversify your investment portfolio
- Chubb
- Semiconductor foundries
- Transferring Avios
- It can create credit diversity
- A secured credit card
- More flexibility
- International travel as an unaccompanied minor
- 7. Payment flexibility
- Splurge for a suite
- Fly off-peak to Europe in economy on American Airlines
- Credit cards that earn IHG points
- Exchange another cryptocurrency for wrapped Bitcoin
- 6. Reconsider tax preparers who don't e-file
- Free Wi-Fi
- VA loans
- Mortgage REITs
- 5. Monitor your total credit utilization
- Cons
- Lounge access and other top-tier benefits
- 4. Take surveys for money
- Home prices keep climbing
- Getting your mail at the end of a mail hold
- When 2% cash back isn’t quite 2%
- 4. Barclays rewards
- 4. Real estate investment trusts (REITs)
- 7. Up to $300 Equinox credit
- If you’re victimized
- 2. Evaluate the stock
- 3. Submit your application and wait
- 3. You'll have fewer options
- Seasonal Energy Efficiency Ratio (SEER) Rating
- Conventional loans
- More about investment fees
- You don't want to risk sold-out cars
- 5. Plan for retirement
- Pros of gold stocks
- Guarda: 4.6 out of 5 stars
- 4. Use credit card benefits to your advantage
- 4. Alert authorities to fraud
- 1% match
- How much does a HELOC cost?
- 4. Straightforward banking
- Loss of use coverage
- Make multiple credit card payments per month
- 6. The Bar Method
- 4. Show up in other ways
- FHA 203(k) refinance
- 7. Rent and depreciation on equipment and machinery
- 1. Have your award number ready
- Consumer services
- Brief break from interest and late fees
- 9. Art director
- Cheap full coverage car insurance companies by state
- 1099-A
- Fast Park & Relax
- 4. Decide how much to invest in Google
- 4. You can exchange points for airline miles
- Pros
- Equifax business credit scores
- Platinum
- You drive a company car
- ARM caps
- High PE ratio
- 8. Worldwide acceptance
- 4. Reflect on why you shop
- Dr. Paul B. Myrdal Memorial Pre-Doctoral Fellowship in Pharmaceutics
- 5. The smallest islands only appear at low tide
- Private party
- 5. Consider contributing enough to get any employer match
- SALT tax deduction 2023
- 5. Do your due diligence
- How to freeze your credit
- Upgrade paid ticket to upper class
- 5. Contact your own insurance company about the rental car accident
- When are taxes due in October?
- Use points to upgrade your seat
- You stay often with IHG
- 4. Understand mutual fund fees
- 6. Compare mortgage rates and fees
- You might also like:
- 7. Housesitting
- Exempt vs. nonexempt employees
- Salary and distributions
- 1. You avoid having the IRS do it for you.
- Generational attitudes and comfort
- Give your savings rate regular bumps
- 2. Review your Loan Estimates
- Injuries to you
- Rental car elite status
- Your money management style
- 4. Special dividends
- Net worth of U.S. families by age
- 6. You cannot be subject to expatriate tax
- 3. Get employment law liability insurance before you scale
- Cheap auto insurance after an accident
- 2. Promote your business
- 10. Social media management
- America’s Seed Fund
- Romance scams
- Where to get preapproved for a car loan
- Takeaway
- 8. Tutoring
- 3. Set a target purchase price
- Choose the amount of coverage you need
- 6. Weigh the value of professional help
- For frequent or high-end travel: The Platinum Card® from American Express
- 2020 credit card bonus categories
- The Business Platinum Card® from American Express
- 6. Freedom Pass
- Future goals
- 4. Pledge loyalty to a single airline
- Sample letter requesting a goodwill deletion
- 3. Prep the space yourself
- 7. Content automation
- How to afford a premium seat
- Scenario 4: In a rising market
- Cheapest minimum coverage car insurance in Texas for 20-year-olds
- Your strategy: Make a budget and stick to it
- What hotels are transfer partners with your existing credit card points?
- Step 4: Choose the right truck
- Salary
- 4. Decide how much to invest in Netflix
- Earning at least a 2% return
- But wait, there’s more
- 4. Jazzercise
- What is Tesla Insurance?
- Hyatt Place
- 2. Evaluate the stock
- Podcasts
- Winner: Singapore Airlines
- Which is better when?
- Better perks for MileagePlus Premier members
- CarFax
- Dependent care FSA
- 4. Think about getting a second opinion
- Convert Bitcoin you already own
- Traditionally best rates, more commitment required
- 5. Purchase the appropriate levels of insurance
- 7. Confirm they'll sign on the dotted line
- Gym workouts via the Planet Fitness app
- Sell to a traditional car dealership
- 5. Explore new industries
- Rocket Money
- Pay bills on time
- Step 3: Write a detailed business plan
- Best insurance company for affordability: NJM
- Search fees
- Mint Mobile
- 8. $300 SoulCycle credit
- Research your competition
- 4. Review their fees
- National Association for the Self-Employed Growth Grant
- Renovation loans to buy and repair fixer-uppers
- 5. Gather your paperwork
- Cons of gold stocks
- Your payment history
- 5. Pay off lenders and begin repayment on your personal loan
- 2. Know how many miles you need
- 10. Photographer
- 22% of businesses are owned by women
- Nationwide: Best for cleaning businesses that need fidelity bonds
- If you only want to get one credit card
- You are a budget-conscious traveler
- 1099-B
- How many shares
- Sector ETFs
- 4. Capital One Travel
- 6. InterContinental Hotels Group or IHG
- The Platinum Card® from American Express
- How to lower the cost of employment practices liability insurance
- 9. No foreign transaction fees
- The right savings rate
- You need an SR-22 or FR-44 form
- Why it’s the best
- 8. Angel investors
- 11. Create a local grocery delivery service
- Herb and Nina Demuth Memorial Award
- Elite status benefits and goals (or lack thereof)
- Outsourced assembly and testing (OSAT)
- Unsecured funds
- Online marketplaces
- What is the Global Entry interview like?
- Perkins loans
- Redemption value
- Putting it all together
- Our pick for: Everyday spending
- Cover your card charges
- Alaska
- 6. Enrichment activities for children
- Average monthly life insurance rates for senior women
- UBS Visa Infinite Card
- 8. Errand-running
- FHA loans
- Hybrid REITs
- JetBlue Card
- 1. How long you have to rollover a 401(k): The 60-day rule
- 2. You can pay your tax bill in installments.
- Our pick for: Beginner-friendly features
- Bonus features
- 5. Preferred dividends
- Net worth of U.S. families by race or ethnicity
- Commit 20% of your income to savings and debt paydown
- Consider a condo
- Book one to three months in advance
- 3. Decide how much stock you want to buy
- Irrevocable life insurance trusts (ILITs)
- Stay during promotions
- WomensNet Grants
- Debt scams
- Make Money
- Whole life insurance rates for nonsmokers
- Disability housing grants
- How much is Disney+?
- 4. Find a (safe) day care facility
- Compare car insurance rates for 35-year-olds
- Annual grocery spend is less than $6,000
- Examine riders
- 8. Office supplies
- 2019 credit card bonus categories
- 5. Alila Villas Uluwatu
- ❌ There’s no guarantee you’ll find a room for points
- 5. If you have high-tier Marriott status, you get free United Airlines Premier Silver Status
- 5. Marketing: Below 10% of your total budget (even 0%)
- 3. Invest in sectors that perform well in recessions
- Trezor
- Employment status
- 5. Replace emotional shopping with a free activity
- The Hartford
- Hyatt Regency
- Why is there a SALT cap?
- Webinars
- Singapore Airlines loyalty program
- Be consistent
- 8. Exclusive entertainment access
- Charity Charge Nonprofit Business Card
- What's next?
- FSA balances will expire
- 4. Air France-KLM Flying Blue
- 8. Check if they would have your back
- Referral program
- Marriott Bonvoy Business® American Express® Card
- 1. Understand the difference between active and passive funds
- Carfax Car Care
- How to maximize your rewards
- Keep credit utilization below 30%
- 2. Digital assets
- DFW Terminal C
- How to hold mail at the post office
- Birthing parent expenses
- 9. Up to $240 in digital entertainment credit
- In network
- 1. Examine your cooling needs
- Emergency passport appointments
- 3. Southwest® Rapid Rewards® Performance Business Credit Card
- Our pick for: Simple cash back
- 11. Business planning service
- 4. Sell some merch
- You might be able to reserve a car now — and rebook the same one later at a discount
- Bizee’s Fresh Start Business Grant
- 6. Optimize your finances with tax planning
- Exodus: 4.5 out of 5 stars
- 9. Working as a resident advisor
- Your credit age
- Fare flexibility/ticket changes
- 5. Simplified business ownership
- 4. Dining on your flight is on demand
- Tap into savings to pay down debt
- 7. UFC Gym
- You can use credit card benefits to travel in basic economy
- 4. Choose your bookkeeping software
- 7. Plan to reassess
- 3. Know your travel dates and flexibility
- Retailing
- Learn how to become:
- 11. Branding consultant
- 21% of businesses are minority-owned
- If your employer doesn’t offer a 401(k) match
- 5. Split the family into different itineraries
- How to contact New York Life
- 4. Get competing bids
- 8. Artificial intelligence
- Cons
- What do I need for my loan application?
- How to contact AAA
- 10. Airport lounge access
- Experian business credit scores
- Whether it makes sense for your taxes
- Noir
- 9. Coverage if your trip is canceled or delayed
- 9. Small-business grants
- 12. Start a virtual event planning company
- Underrepresented Minority Award
- 3. Invest in companies that financially support racial justice
- 6. New islands are still forming
- Semiconductor distributors
- 3. Learn the difference between investing in stocks and funds
- Bronze (requires 300 tier points):
- 3. Decide how much stock you want to buy
- HEAL loans
- Winner: Alaska
- NerdWallet's List of Best QuickBooks Alternatives
- How to request a copy of your credit report
- Bundled cost
- Book an upper class chauffeur
- Arrive early to enjoy the lounge
- Shop with points via the American Express site
- Average monthly life insurance rates for senior men
- 9. Seasonal chores
- 2. Taxes are withheld
- 3. The government might owe you money.
- Work with a real estate agent to find your ideal second home
- Your stolen stuff
- Statement credits
- Account linking
- 6. Dividend funds
- Cell phone insurance
- Net worth of U.S. families by education
- 5. American Express Membership Rewards
- Even if you lack good credit, you may still have other options
- 2. LendingClub
- Exchange-traded funds
- What you need to get preapproved for a car loan
- Whole life insurance rates for smokers
- Honorable mention: Wellcare
- 2023 tax rates by state
- Medicare
- Liability coverage
- Lower annual fee
- Miles are earned based on the ticket price, not distance flown
- Find the most cost-effective processor for your business
- 2018 credit card bonus categories
- Cheap full coverage auto insurance for drivers with an accident or DUI
- 1099-C
- One Stop Parking
- What type of order
- Leveraged ETFs
- What brands (and perks) align with your travel style?
- Capital One® Walmart Rewards™ Mastercard®
- Purchasing a Plumeria Lounge day pass
- You want to maintain continuous coverage
- Marital status and spouse’s credit history
- U.S. Bank Altitude™ Reserve Visa Infinite® Card
- Spending on other Chase cards
- 5. Stratus Building Solutions
- The premiums are expensive
- Low-down-payment mortgages
- After you're approved for Global Entry
- Travel
- 6. Decide whether you want to supplement your savings outside of a 401(k)
- 6. Find out who's responsible for paying what in a claim
- Florida
- Fly Qatar Airways’ luxurious Qsuite to Africa
- 7. Gather your loan paperwork
- 5. Focus on the long term
- 6. Invest in the right equipment
- Publicly-traded REITs
- Labor laws
- 5. Upwork
- Keep credit accounts open
- 4. Borrow from your 401(k)
- 5. Make money from your blog with affiliate links
- Competition remains steady
- Legal fees
- 5. Money market funds
- 10. $189 Clear credit
- Example CD APYs at select institutions
- Out of network
- 2. Time it right
- Government-backed loans
- 12. Tax consulting
- Program for Investors in Microentrepreneurs
- Student loan scams
- Eureka
- Native American Direct Loan
- Our pick for: Flexibility
- How much is Max?
- 5. Get insured
- Credit cards for earning American AAdvantage miles
- 2. Managing money
- Baggage and boarding
- Look at the rate of return on cash value
- 9. Office furniture
- 12. Art teacher
- 21.7% of business owners are immigrants
- You are strategic with rewards
- 6. You can give yourself a ‘points advance’
- Cheapest auto insurance in Texas for 20-year-olds with poor credit
- 7. Sheraton
- The magic of compound growth
- Index funds
- 10. Baggage delay insurance
- 10. Crowdfunding
- Silver (requires 600 tier points):
- Plan G vs. Plan N
- Hurricanes, tropical storms and tornadoes
- During booking
- Behavioral questions
- Use points toward online purchases elsewhere
- You spend a lot on the card, especially on gas
- 9. Complimentary Shoprunner membership
- 7. Mobile apps and entertainment for children
- 10. Selling handmade crafts
- Money Manager
- JetBlue Plus Card
- Step 4: Get an EIN
- Government bonds
- 4. You can avoid problems getting a loan.
- Showers
- Visible by Verizon
- 4. Develop a marketing plan and decide on prices
- Plan group events or meetings
- Resident status rules
- Filing status
- Get your finances in order
- 6. Pick your investments
- 5. Select your retirement investments
- Individual gold stocks
- Communicate with your lender
- 10. Selling course notes
- Recommended portfolios
- Consider a personal loan
- 8. Jazzercise Inc.
- 5. Set up your business infrastructure
- Oneworld
- 2017 credit card bonus categories
- Marriott Bonvoy Brilliant® American Express® Card
- Start with the elevator pitch
- ❌ Resort fees aren’t waived when you pay with points
- 6. Book hotel suites
- 1099-CAP
- 5. Trim the scope of the job
- 6. Website: Around $40 per month
- 4. Focus on the long-term
- 9. Podcasting
- Assets
- Payday alternative loans
- Make 10 years' worth of payments
- 13. Sell zero-waste products
- Which is easiest to qualify for?
- Whether it might be better to earn points instead
- biBERK
- How Tesla Insurance works
- Goals: Keep them realistic
- Cathay Pacific loyalty program
- Liberty Mutual vs. State Farm home insurance
- Combine points and cash to book your flight
- CarGurus
- Short domestic flights in the U.S.
- VA loans
- 2. Decide where you want to have an impact
- 1. 'I’ll wait until the stock market is safe to invest.'
- How to maximize your rewards
- Fleet expense management tools
- Space out credit applications
- Resident status rules
- 3. Predict the option strike price
- 3. Loan processing takes over
- Security
- Study methodology
- 11. Reimbursement of application fees for TSA Precheck or Global Entry
- Cheapest car insurance after a DUI
- Theme parks
- 3. Look for equipment rebates and tax credits
- Cash back or gift cards
- FedEx Small Business Grant Contest
- Social Security scams
- 5. Do a final check
- 5. Offer memberships
- Venmo Small Business Grant
- 1. Avoid filing your tax return on paper
- FHA loans
- Coinbase Wallet: 4.4 out of 5 stars
- Watch the calendar
- 4. Put your stock research into context
- 4. Open your account
- Miles are worth 1.7 cents each
- For Apple Pay users: The Apple Card
- Average annual car insurance costs from large companies
- 6. Andaz Mayakoba Resort Riviera Maya
- Ledger
- 11. Luxury hotel benefits
- 11. Rental car coverage
- The top reason millennials buy life insurance is to leave an inheritance
- 11. Business credit cards
- Presidential Scholarships
- Gold (requires 1,500 tier points):
- Parent PLUS loans
- Travel credits
- Statement credits
- Redeem for gift cards
- Nevada
- Appraisal fee
- 11. Making greeting cards
- Public non-traded REITs
- How does TrueCar's True Cash Offer work?
- 5. Safeguard your Social Security.
- 6. Capital One Rewards
- Travel
- Set a price alert
- 1. Automate transfers
- How to use Samsung Pay
- Free night when redeeming points
- A note: Birthday elite night credits are on pause
- Earned income
- InboxDollars Surveys
- How much is Apple TV+?
- Shop around for lenders
- 7. Invest to build your future goals
- Request a new payment date
- Seat selection
- 5. You get complimentary spa treatments in the Emirates First Class Lounge in Dubai
- Chubb: Best for high-value homes
- Perks await when you fly economy with elite status
- Streaming perks
- 10. Software subscription
- 2016 credit card bonus categories
- Small businesses in the leisure and hospitality industry experienced a 9.6% loss in establishments
- Huckleberry: Best for buying cleaning business insurance online
- 1099-DIV
- 6. Time your project
- 7. Stay for five, pay for four
- 8. W Hotels Worldwide
- Step 5: Secure startup funding
- Non-gambling resort goers
- 401(k) loans
- Specialty or alternative funds
- Low PE ratio
- Cash back sign-up bonus
- 14. Make products for pets
- The cash value is slow to grow
- Down payment assistance programs
- What happens if you are declined?
- Budget: Factor in all the costs
- 8. Shared accessories and attire
- 5. Manage your mutual fund portfolio
- 8. Get a preapproval letter
- 5. Aegean Airlines Miles+Bonus
- Tax credits for low-to-middle-income households
- FHA loans
- Reimbursement
- Monitor your credit reports
- JetBlue Business Card
- Step 5: Get a business bank account and business credit card
- Our pick for: The well-timed buy
- Our pick for: Fixed monthly payments
- Dividend per share (DPS)
- 12. Up to $100 in statement credits annually at Saks Fifth Avenue
- Water parks
- 3. Sell your castoffs
- 13. PR agency
- 2. Get direct deposit
- 6. Get a business checking account and credit card
- What does P2P mean?
- 11. Working as a lifeguard or swim instructor
- Set cash aside
- Medi-Cal
- Medical payments coverage
- Stick to the basics
- Step 4: Calculate market value
- Tactic 3: Use your military benefits
- 10. Streaming service
- You typically borrow a car from someone in your household
- 12. Travel assistance
- J.C. & Rheba Cobb Memorial Scholarship
- Pros of investing in semiconductor stocks
- Plan G vs. Plan F
- Transfer to airlines
- Sinkholes
- Have an estate plan in place
- Donate to charity
- New Hampshire
- Determine if you need a rider
- Discount points
- The insurer of last resort: Citizens Property Insurance Corporation
- 6. Take advantage where you can
- 12. Art teacher
- 2. 'I’ll buy back in next week when it’s lower.'
- AndroMoney
- DFW Terminal D
- 6. Sell your wares on Etsy
- 4. The underwriter makes a decision based on your documentation
- Customer support
- Transfer partners
- Pay with points and miles
- Rebook if you find a cheaper price
- How quickly could the IRS implement the child tax credit expansion?
- Amazon or Apple purchases
- Compare rates from multiple companies
- 4. United Club℠ Infinite Card
- Options
- Expenses
- Medicare scams
- Stocks
- No-exam life insurance rates for nonsmokers
- Gold stock ETFs
- Seek credit counseling
- Earning rates
- 9. Gold’s Gym
- Be aware of surrender charges
- File taxes online with tax software
- 2015 credit card bonus categories
- Retail business applications increased by 87%
- How to have more taxes taken out of your paycheck
- ❌ Points can expire
- Cheapest auto insurance in Texas for 20-year-old drivers with one speeding ticket
- Lemonade vs. Geico renters insurance
- AIG
- 12. Cardholder hotline
- 15. Create custom clothing
- Check out peer-to-peer lending
- Hiscox
- 3. Consider your existing investments
- Our pick for: Cell phone and internet bill payments
- Dividend yield
- Cricket Wireless
- 6. High-yield savings accounts
- 13. Walmart+ Monthly Membership Credit
- 3. Upgrade
- Example money market account APYs at select institutions
- Prudence's policy:
- Other attractions
- Home equity loan
- Part-year resident status rules
- Google Opinion Rewards
- The Amplifier Grant
- 3. Stay on top of things
- HomeReady and Home Possible loans
- Get prequalified
- 8. Grow your financial well-being
- What is P2P payment?
- 11. Advertising and marketing
- Individual consumer discretionary stocks
- The Hilton Honors American Express Business Card
- Appendix: How the math works in our examples
- 1099-G
- 7. Office furniture and supplies: 10% of your total budget
- 5. Kiwi
- Your strategy: Use leverage where you have it
- You regularly borrow the same car from someone you don’t live with
- 13. Purchase protections
- Citi Prestige® Card
- Willard B. Simmons Memorial Scholarship
- 6. SuperGlass Windshield Repair
- The cash value rate of return can be low
- Cons of investing in semiconductor stocks
- Audience: Review your target audience
- Liberty Mutual vs. Progressive home insurance
- After booking
- Our pick for: Flat-rate travel rewards
- 7. Don’t neglect your finances
- 13. Musician
- Private REITs
- 6. OfferUp
- Step 6: Get any funding you need
- Part-year resident status rules
- 4. Determine the option time frame
- Best insurance company for accident forgiveness: Geico
- Prepared to put down roots?
- 7. Citi ThankYou Points
- Raising a child
- AKC
- 5. Get your business financials in order
- 2. Count your coins and bills
- 14. Professional organizing
- Tax scams
- No-exam life insurance rates for smokers
- Can you pay estimated taxes at any time?
- How much is Peacock?
- Trust Wallet: 4.3 out of 5 stars
- Ask for help
- 12. Participating in research studies
- Consider using a retirement account
- Upgradeability
- 2014 credit card bonus categories
- Zero-interest credit card
- Be passionate
- Floods
- Cheap full coverage car insurance for drivers with poor credit
- 7. Hôtel Du Palais Biarritz
- 11. 3D printing
- Chubb
- 13. Access to unique, cardmember-only events
- World of Hyatt members who want to match status
- 401(k) hardship withdrawals
- Apply for PSLF forgiveness
- Resident status rules
- Book a trip
- South Dakota
- Cars.com
- Escrow account funds
- Selling a car to TrueCar
- 3. 'I’m bored of this stock, so I’m selling.'
- Benefits
- 5. Enter a debt management plan
- User experience
- Scenario: Doctor visits and an MRI
- Chase premium checking accounts
- 4. Earn badges through Live videos
- Remember that gender isn’t a big factor
- Use companion tickets for flights
- Narrow your search
- Bonds
- Use the Best Fare Finder and pay in cash
- 7. Get financing
- Hire a builder
- 3 disadvantages of sole proprietorship
- Understand the different approval processes
- You can’t use your miles to book free stopovers
- Transportation and warehousing business applications grew by 100.7%
- How to have less taxes taken out of your paycheck
- 1099-INT
- Assess your finances
- You drive rarely or not at all
- 14. Customer service without the wait
- 16. Sell vintage clothing online
- Partners in Pharmacy
- How much can you borrow?
- You can’t control your portfolio
- Content: Focus on quality
- Compare Medigap plan types
- Winner: Tie
- 9. Choose a real estate agent carefully
- 14. Music lessons
- VA loans
- 1Money
- Spa
- Embrace
- Cheapest auto insurance for poor credit
- Be flexible with destination, airport and dates
- 15. Photography
- Investment scams
- Swagbucks
- FedEx Small Business Grant Contest
- How much is Prime Video?
- 4. One more thing to know about your tax refund
- 5. Choose investments that match your tolerance for risk
- 12. Business entertainment
- U.S. Bank Altitude® Connect Visa Signature® Card
- Hurricanes, tropical storms and tornadoes
- 8. Utilities: Around $2 per square foot of office space
- Tax-efficient strategies
- When to choose a debt consolidation loan
- 4. Set a budget for your stock market investment
- Tennessee
- 9. Shared home improvement equipment
- 4. Understand your ESG fund’s impact
- Drawbacks
- Step 7: Market your services and start doing business
- Corporate bonds
- 7. Self-publish an e-book
- Vanguard 500 Index Fund (VFIAX)
- 5. Your loan is cleared to close
- Allianz Global Assistance
- Reviews
- 14. Access to the American Express Global Lounge Collection at airports
- 3. Prep for grocery shopping
- Home equity line of credit
- Where is the best place to exchange currency?
- Our pick for: Flexible rewards and a bonus
- Nonresident status rules
- What happens if I forget to pay my quarterly taxes?
- Past years' state tax rates
- Get preapproved
- 9. Estate planning: Protect your financial well-being
- 13. Freelancing online
- 1. No liability protection
- 6. There's no overhead space to store luggage
- Consumer discretionary ETFs
- Home equity financing
- Keep it succinct
- Step 5: Get to know your competition
- Hiscox: Best for buying commercial crime insurance online
- 12. E-commerce
- Cheapest auto insurance in Texas for 20-year-old drivers with one at-fault crash
- Nationwide
- Travel rewards sign-up bonus
- 17. Begin niche blogging
- Neil Pruitt Sr. Memorial Scholarship
- Explore startups
- Tracking: Identify key metrics
- Singapore Airlines
- Your credit
- Flood determination and monitoring fees
- 15. Farmers market vendor
- Tax credits for investing in retirement
- FHA loans
- Methodology
- How do you get a perfect credit score?
- Nonresident status rules
- Our pick for: An upgrade path
- Dividend payout ratio
- 8. Bank of America® rewards
- Figo
- 7. CDs
- 1. Live in the house for at least two years
- SAVE benefits available by October 2023
- Price
- Mutual funds
- Our pick for: Drugstores
- Tory Burch Foundation Fellows Program
- Good Neighbor Next Door
- MetaMask: 4.0 out of 5 stars
- Hire and work with a tax preparer or another tax pro
- 23% of business owners cite inflation as their single most important problem
- How to use a W-4 to owe nothing on a tax return
- How much is auto insurance after an at-fault accident?
- 1099-K
- Lemonade vs. State Farm renters insurance
- Research hotel franchises
- Gap Good Rewards Mastercard® Credit Card
- There can be tax implications if you withdraw cash from your policy
- Individual semiconductor stocks
- When to choose a balance transfer credit card
- Is Tesla Insurance worth it?
- Winner: American Airlines
- Texas
- 10. Narrow down your ideal type of house and neighborhood
- 3. Precious metals
- Quiet room
- Vanguard Total Stock Market Index Fund (VTSAX)
- Bonzah
- How's your job security?
- 15. Centurion Lounge Complimentary Guest Access
- How do I find a currency exchange near me?
- 16. Event space
- Manage your time to meet deadlines
- Book Emirates economy fares on points
- How much is Sling TV?
- 6. Price your services
- 13. Travel expenses
- Miles expire after 24 months of inactivity
- 9. Payroll: 25% to 50% of your total budget
- Rethink your bank
- When do you have to pay it back?
- 7. Mosquito Squad
- Airport lounge access
- Amex EveryDay® Credit Card
- Government recording fees
- 16. Candle maker
- 7. Poshmark
- DFW Terminal E
- Wells Fargo's reputation
- MetLife
- 2. See whether you qualify for an exception
- 4. Universal Credit
- Scenario: Trip to the ER
- SAVE benefit starting in February 2024
- 5. Build a community
- Cost
- 5. United℠ Explorer Card
- Bonus points for travel purchases
- How can I make paying quarterly taxes easier?
- Get final approval
- 14. Cleaning, yardwork and other odd jobs
- Country Financial: Best for using an agent
- Star Alliance
- 401(k) loan
- Have structure
- Wildfires
- 40% of small-business owners note trouble filling jobs
- Travelers Insurance
- Part-year resident status rules
- 18. Become an e-book writer
- Cathay Pacific
- Where you live
- Edmunds
- How to maximize your rewards
- Vanguard Total Bond Market Index Fund (VBTLX)
- An example of buying a call
- Rental Cover
- Property-based passive income ideas
- Cash-out refinance
- Make choices that lower your rates
- Where can you exchange currency for free?
- 17. Interior decorating
- Exchange-traded funds
- Pros
- 2. Harder to get financing and business credit
- Compare whole life insurance quotes
- 1. Become a World of Hyatt member to earn Hyatt points for your stay
- 13. Portable charging devices
- Home equity loans and lines of credit
- Capital One Venture X Rewards Credit Card
- Preparatory Scholarship
- Washington
- 10. Vacation rentals
- Loan-origination charges
- 17. Retail arbitrage
- Service
- 8. Get advertising revenue from your blog or YouTube channel
- 16. Upgrade to Marriott Bonvoy Gold Elite status
- 3. Keep the receipts for your home improvements
- SAVE benefits available by July 2024
- Features
- Understand your eligibility
- How much is Fubo TV?
- 14. Interest
- 1099-LTC
- Cheapest auto insurance in Texas for 20-year-old drivers after a DUI
- 6. BookWithMatrix
- Match your skills (and finances) to the right hotel franchise
- 14. Purchase protection
- Premium travel rewards sign-up bonus
- Semiconductor stock ETFs
- Your claims history
- Tax credits for education
- Vanguard Balanced Index Fund (VBIAX)
- Sure
- Are you financially prepared?
- Nationwide
- Consumer Cellular
- 4. Minimize restaurant spending
- 18. Woodworking or furniture building
- U.S. Bank Altitude™ Reserve Visa Infinite® Card
- Electrum: 2.5 out of 5 stars
- 15. Working in retail or food service
- Cons
- 3. Building a budget
- Expand your coverage with endorsements
- 7. Find your customers
- Check the insurer’s financial strength
- 73% of business owners feel the impact of supply chain issues
- 2. Use a Hyatt credit card during your stay to earn even more points
- CoverWallet
- 19. Start ghostwriting
- Pre-Graduate Scholarship
- Get excited about a minority-owned stock exchange
- 5. Focus on investing for the long-term
- Stay true to your brand
- Hotel status
- CREDIT CARD RENTAL BENEFITS CAN TAKE YOU FARTHER
- Our pick for: Customizable bonus categories
- Pumpkin vs. Lemonade
- Mortgage insurance or fees for government-backed loans
- 18. Graphic designer
- 4. Collectibles
- An example of buying a put
- Best insurance company for having few customer complaints: American Family
- Gifting large sums of money to family
- Our pick for: Interest-free financing with cash back
- 8. Buy a rental property
- 17. Upgrade to Hilton Honors Gold status
- Reporting and analytics
- Compare flexible points options
- Nationwide vs. Allstate home insurance
- Complete financial plan and investment advice
- Compare car insurance rates for drivers with a DUI
- SkyTeam
- Write it later
- Step 6: Identify your barriers
- Hurricanes
- 1099-MISC
- 10. Professional consultants: Between $1,000 and $5,000 per year
- 15. Return protection
- Nonresident status rules
- Are the proceeds taxable?
- 8. Pillar to Post Home Inspectors
- How much is a Tesla?
- Your home’s features
- Wyoming
- 11. Electronics repair
- 8. Establish a marketing plan for growth
- Vanguard Growth Index Fund (VIGAX)
- Our pick for: No security deposit, low annual fee
- Pets Best
- Personal loan
- Don’t forget the fifth-freedom flights
- 15. Bad debt
- Your location
- 65% of small-business owners expect revenue to increase
- 14. Publishing e-books
- 20. Become a resume writer
- Health Professions Scholarship
- Keep it relevant, useful and authentic
- Winner: Singapore Airlines
- Work style questions
- American Express® Green Card
- 11. Stick to your budget
- 19. Technology tutor
- 18. Money-saving perks for stays booked through The Hotel Collection
- Ongoing support
- 19. Graphic design
- California earned income tax credit (CalEITC)
- Be realistic about the process
- 3. It’s harder to sell your business
- Tips on booking premium class
- Consider a loan
- 16. Extended warranty
- Lean FIRE
- Is the interest paid tax-deductible?
- Transfer partners
- Your deductible
- Pest inspection
- California earned income tax credit (CalEITC)
- Vanguard Small Cap Index Fund (VSMAX)
- Paying for vacations, cars or other stuff
- Spot
- 9. Rent out your own house
- 5. Oportun
- Cheapest car insurance for young drivers
- 5. Get discounts on entertainment
- 6. United Quest℠ Card
- Wildfires
- Specialized guidance and/or want to meet with an advisor face-to-face
- Research the insurer’s reputation for customer service
- Figo vs. Healthy Paws
- Get a test reader
- Your credit
- 55% of business owners expect all accepted payment methods to eventually become digital
- 1099-NEC
- 21. Open a coworking space
- Customize your content for each channel
- Singapore Airlines
- Used Car Search Pro by iSeeCars
- 20. Blogger
- How to compare life insurance quotes
- 5. Commodities
- Skylink and Terminal Link
- 9. Become an Instagram influencer
- Our pick for: Maximized value
- 19. Complimentary benefits through Fine Hotels & Resorts
- 20. Clothing boutique
- California young child tax credit (YCTC)
- Nationwide vs. Geico home insurance
- 8. Understand your funding options
- 15. Fitness tech
- 9. Property Management Inc.
- 6. Manage your stock portfolio
- Your coverage limits
- Pumpkin vs. Spot
- Prepaid expenses
- California young child tax credit (YCTC)
- Vanguard Total International Stock Index Fund (VTIAX)
- Giving a laid-back loan
- Trupanion
- Bring the kids
- Our pick for: Walgreens
- 4. Saving money
- Proofread
- 21.6% of small businesses cite a large negative effect on business due to the pandemic
- 1. Has the W-4 form changed?
- Average car insurance costs after a speeding ticket
- ETFs vs. mutual funds
- Cheapest full coverage car insurance in Texas for 30-year-olds
- Request a hotel franchise questionnaire
- MyLowe’s Rewards Credit Card
- Fat FIRE
- Cash advance apps
- Capital One Venture Rewards Credit Card
- Tesla repair costs
- Fully utilize content
- 21. Podcaster
- Life insurance quotes vs. rates
- 10. Get a roommate
- 6. Map out major purchases
- Our pick for: Worldwide acceptance
- 21. Bed and breakfast
- California child and dependent care tax credit
- Fidelity® Rewards Visa Signature® Card
- Flooding
- Portfolio management only
- 16. Taxes
- If you owe taxes
- Oneworld
- Your claims history
- Hail
- 1099-OID
- 17. Rental car coverage
- 1. There’s a major shortage of drivers
- 22. Become an online coach
- Winner: Alaska Airlines
- Cathay Pacific
- 12. Academics courses
- 12. Make the most of walk-throughs and open houses
- Tax credits for green purchases
- California child and dependent care tax credit
- 6. Real estate
- Setting up joint bank accounts
- 8. Hire staff
- Step 7: Know the regulations
- 11. Insurance: Average of $1,200 per year
- 16. Online teaching
- Barista FIRE
- Card ecosystem
- Other policies
- American Express® Gold Card
- Tax monitoring and research fees
- 22. Social media influencer
- Airport parking at DFW
- Our pick for: No security deposit, low annual fee, potentially high credit limit
- Alternative investment passive income ideas
- 20. Free shipping with ShopRunner
- 22. Food truck
- California adoption cost tax credit
- 1. What does "sole proprietor" mean?
- NJM: Best small regional insurer
- How much are car insurance quotes?
- Figo vs. Trupanion
- Your coverage limits
- 2. What does it mean to be exempt from taxes?
- 1099-PATR
- 18. Trip cancellation or interruption insurance
- 2. There’s a need for innovation in the industry
- 23. Flip failing websites
- California adoption cost tax credit
- 10. Monetize your Twitch channel
- Ledger: 5.0 out of 5 stars
- If you’re getting a tax refund
- ETFs vs. stocks
- 17. Mobile application development
- Obtain hotel franchise disclosure documents
- Your dog
- Our pick for: Bank of America® customers
- Title-related costs
- 23. Live-streaming gamer
- Best insurance company for financial strength: Auto-Owners
- 21. Concierge service
- 6. Capital Good Fund
- Cheapest auto insurance for senior drivers
- 7. Restrict online shopping
- California nonrefundable renters tax credit
- 2. Can a sole proprietor have employees?
- 17. Employee salaries
- Your deductible
- 96% of small-business owners have business bank accounts
- Comparing full coverage car insurance quotes
- Tornadoes
- 1099-Q
- Cheapest minimum coverage car insurance in Texas for 30-year-olds
- 3. It's recession-proof
- S&P 500 PE ratio
- NYC tax rate schedule
- 24. Become a web developer
- 10. Soccer Shots
- 13. Language courses
- TrueCar
- Hurricanes and tropical storms
- California nonrefundable renters tax credit
- 11. Peer-to-peer lending
- 23. Restaurant or cafe
- Earthquakes
- Average car insurance costs after a DUI
- 19. Trip delay reimbursement
- 13. Don’t skip the home inspections
- 24. Photographer or videographer
- Pros
- DFW rental car center
- Our pick for: Online Shopping
- 22. Low fares through the International Airline Program
- 9. Write your day care contract and policies
- 3. Does a sole proprietor need an EIN?
- Other policies
- 1099-R
- 12. Taxes: Variable, but 21% corporate tax rate
- 18. Search engine optimization consultant
- 4. It’s easy to start small (and scale)
- Buy now, pay later
- 25. Start a podcast
- Ultra Mobile
- 24. Craft brewery
- Trezor: 4 out of 5 stars
- 18. Employee benefits programs
- 60% reported no impact from recent bank failures
- 3. When should I review my W-4?
- Use visual aids
- Wildfires
- Consult with a hotel franchise attorney
- 20. Lost luggage reimbursement
- The Platinum Card® from American Express
- 25. Web designer
- 23. Savings with the Cruise Privileges Program
- 8. Delay purchases with the 30-day rule
- Windstorms
- 4. How do you change from sole proprietor to LLC?
- Which factors determine car insurance quotes?
- Figo vs. Nationwide
- Your home’s features
- 1099-S
- 19. Social media consultant
- Shiller PE ratio
- 26. Be a social media influencer
- American Express® Gold Card
- 11. Sell your photography
- Our pick for: Average credit and rewards
- 12. Private equity
- Pros
- Compare auto insurance rates for drivers with poor credit
- Include a summary
- Cheapest auto insurance in Texas for 30-year-olds with poor credit
- Review the hotel franchise agreement
- 21. Medical emergencies during travel
- 11. Dream Vacations
- Credit required
- 14. Business or marketing courses
- 14. Negotiate with the seller
- 26. Transcription
- Cons
- Public transportation options
- 24. Car Rental Privileges
- 25. Ice cream shop
- 19. Employee gifts
- Your dog
- 4. Can I adjust my W-4 multiple times throughout the year?
- 13. Travel: Variable
- 6. Evaluate the price of the business with the earnings, assets or market approach
- Real estate agent commissions
- 9. Get creative with gifts
- SafePal: 3.8 out of 5 stars
- 1099-SA
- 20. Drone videography
- TJX Rewards® Platinum Mastercard®
- 27. Create online courses
- 7. Private equity
- Our pick for: Prime gaming
- Tracfone
- 25. Deals through the Amex Auto Purchasing Program
- 26. Personal chef
- USAA: Best for military and veterans
- Over half of small businesses have $50,000 or more in their business banking accounts
- Get to the point
- Our pick for: Paying rent
- Property and transfer taxes
- 27. Data entry
- Taxis and rideshare at DFW
- Cons
- Most popular: HO-3 insurance
- 20. Contracted labor
- 14. Shipping: Variable
- 21. Cybersecurity or IT consulting
- Finalize the details
- 28. Become a marketing consultant
- 12. Lil' Kickers
- Overseas acceptance
- What should you do if you’re invested in these REITs?
- American Express® Business Gold Card
- 15. Personal wellness
- 15. Buy adequate home insurance
- Sinkholes
- Best insurance company for discounts: Amica
- 13. Crypto staking
- 26. An extra point when booking Platinum Destinations Vacations
- 27. Landscape services
- Revisit your market analysis regularly
- Cheapest auto insurance in Texas for 30-year-old drivers with one speeding ticket
- Title insurance
- 28. Create an app or online game
- Alternative investment pros
- 10. Lower your car costs
- Methodology
- Capital One Savor Cash Rewards Credit Card*
- Our pick for: Average credit and no annual fee
- 27. Additional value through the InCircle rewards program
- 28. Pet grooming
- 21. Legal and professional fees
- 22. Venture capitalist
- 29. Develop an app
- Apple Cash: digital card
- 12. Become a dog walker with Rover or Wag
- Boost Mobile
- 5. Maximizing your credit cards
- Broadest coverage: HO-5 insurance
- Look up the insurer’s financial strength
- 28. AmEx Carbon Emissions Tracker
- 11. Reduce your gas usage
- 29. Florist
- 1. Learn how to analyze the market need
- Winner: American Airlines
- Logistical questions
- 16. Courses in hobbies or interests
- Our pick for: Financing a large purchase
- Average annual car insurance costs for drivers with good vs. poor credit
- 1. Open a brokerage account
- Cheapest auto insurance in Texas for 30-year-old drivers with one at-fault crash
- 30. Make a smart appliance
- Alternative investment cons
- Product creation passive income ideas
- 2. Learn about your customers
- Secure funding
- 23. Startup incubator
- The Business Platinum Card® from American Express
- Cash App debit card
- 30. Massage therapist
- Limited coverage: HO-1 and HO-2 insurance
- Research the insurer’s reputation for customer service
- 31. Tap into virtual reality experiences
- 13. Sell unused gift cards
- 29. The Global Dining Access by Resy
- 12. Bundle cable and internet
- 1. Look at customer satisfaction scores
- 3. Get approved for a business loan
- Costco Anywhere Visa® Card by Citi
- Citi® / AAdvantage® Executive World Elite Mastercard®
- Friends and family loan
- 17. Bookkeeping and accounting
- Individual stocks
- Our pick for: Limited credit
- 14. Write content
- 2. Find the ETFs you want to invest in
- 24. Antivirus developer
- 32. Make a niche dating site
- 30. Exclusive events
- 2. Consider financial strength
- Erie: Most generous coverage
- Cheapest auto insurance in Texas for 30-year-old drivers after a DUI
- 13. Switch your cell phone plan
- 31. Nutritionist
- 4. Beat the competition
- Get a business credit card
- 25. Domain name broker
- 33. Develop a chatbot
- Franchisor financing
- Our pick for: Target gaming purchases
- Best insurance company for customer satisfaction: State Farm
- 31. An open invitation to events with Membership Experiences
- 3. Evaluate the policy options
- 6. Borrowing money
- 3. Buy the ETF
- 7. Secure capital to make the purchase
- 18. Consulting
- 14. List your spare bedroom on Airbnb
- 32. Personal trainer or fitness instructor
- Compare insurance rates for drivers with an accident
- 34. Offer matchmaking skills
- Dividend stocks
- Ting
- 32. A better view with American Express Preferred Access
- Replacement cost vs. actual cash value
- 4. Hold onto the ETF
- 14. Reduce your electric bill
- 4. Get prices from a handful of companies
- 35. Be a virtual assistant
- Delta SkyMiles® Platinum Business American Express Card
- Traditional term loan
- Our pick for: Good credit
- 15. Publish a digital course
- 33. Beauty services
- How much is auto insurance for young drivers?
- Cheapest full coverage car insurance in Texas for 40-year-olds
- 15. Lower your student loan payments
- 34. Life coach
- 1. What is the average cost to start a small business?
- 36. Reinvent exercising
- 19. IT support
- Car-related passive income ideas
- 33. No foreign transaction fees
- Verizon Visa® Card
- SBA 7(a) loan
- Nationwide: Best online experience
- 2. How do you calculate startup costs?
- 37. Create eco-friendly, health-friendly makeup and beauty products
- 15. Sell your gently used clothes
- Best insurance company for military members: USAA
- 34. Upgrade with points
- 16. Cancel unnecessary subscriptions
- 16. Wrap your car with ads
- 35. Tutor
- Cheapest minimum coverage car insurance in Texas for 40-year-olds
- 38. Open a food truck or restaurant pop-up
- United Club℠ Infinite Card
- What is a prepaid debit card?
- 20. Graphic design
- Our pick for: Travel
- Lively
- 35. No preset spending limit
- Homeowners insurance deductibles
- 3. Are business startup costs tax-deductible?
- Equipment financing
- 17. Refinance your mortgage
- 36. Daycare provider
- 39. Start an organization business
- 17. Rent out a parking space
- 36. A lower annual fee on additional cards
- Average annual car insurance costs for young drivers by company
- What is a prepaid credit card?
- 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
- 37. CreditSecure
- 18. Set savings goals
- 37. Senior care provider
- Cheapest auto insurance in Texas for 40-year-olds with poor credit
- Where can you get a prepaid card?
- 21. Social media management
- 38. Interpreter or translator
- Openly: Fewest consumer complaints
- How do you add money to a prepaid card?
- Our pick for: Instant gratification
- Marriott Bonvoy Brilliant® American Express® Card
- 39. Housecleaning
- Chase Freedom Flex℠
- Which prepaid card is best?
- 17. Get a babysitting gig
- 38. Cell phone protection
- 19. Track spending
- Cheapest auto insurance in Texas for 40-year-old drivers with one speeding ticket
- 22. Marketing copywriter
- 39. Purchase protection
- 40. Automotive repair
- 7. Your credit score
- 20. Pay off high-interest debt
- 1. Gather your information
- 23. Virtual assistant services
- 40. Return protection
- 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
- Our pick for: Personalized rewards
- 41. Extended warranty
- 21. Keep savings in a high-yield savings account
- Prime Visa
- 42. Dry cleaners
- 8. Close the deal with the appropriate documents
- 42. Baggage insurance plan
- State Farm: Best perks
- 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
- Cheapest auto insurance in Texas for 40-year-old drivers after a DUI
- Discover it® Cash Back
- 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
- 45. Freelance copywriting and content creation
- Verizon Visa® Card
- 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
- 24. Join initiatives to get free items
- You’re a first-time home buyer
- 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
- Trip cancellation
- 50. App development
- 25. Use car sharing services
- You live in a high-risk area
- Trip interruption
- Cell phone protection
- 22. Make deliveries for Amazon, Uber Eats
- Purchase protection
- Cheapest auto insurance in Texas for 50-year-olds with poor credit
- Trip delay
- 26. Stock up on household supplies when they’re cheap
- 9. Paying off debt
- You have a dog
- Return protection
- 4. Collect and compare car insurance quotes
- 23. Find work as a housesitter
- Cancel For Any Reason
- Extended warranty
- 27. Enjoy community events
- You own valuable items
- Cheapest auto insurance in Texas for 50-year-old drivers with one speeding ticket
- Baggage insurance plan
- Our pick for: Digital Microsoft Store purchases
- Baggage delay
- Pros of buying a business
- Car rental loss and damage insurance
- 24. Sign up to be a mystery shopper
- 28. Cash in on your birthday
- You own an older home
- Lost baggage
- Trip delay insurance
- Cheapest auto insurance in Texas for 50-year-old drivers with one at-fault crash
- Trip cancellation and interruption insurance
- Travel medical insurance
- 25. Put your drone to work
- Cheapest auto insurance in Texas for 50-year-old drivers after a DUI
- Compare car insurance companies
- Conditions common to your dog’s breed
- Cheapest full coverage car insurance in Texas for 60-year-olds
- Cons of buying a business
- 10. Insurance
- Your dog’s energy and activities
- Cheapest minimum coverage car insurance in Texas for 60-year-olds
- Wellness expenses
- Cheapest auto insurance in Texas for 60-year-olds with poor credit
- Decide whether your cat needs insurance
- Cheapest auto insurance in Texas for 60-year-old drivers with one speeding ticket
- Wellness expenses
- Cheapest auto insurance in Texas for 60-year-old drivers with one at-fault crash
- 11. Investing
- 1. Check whether your pet is eligible
- 2. Research what’s covered
- Cheapest auto insurance in Texas for 60-year-old drivers after a DUI
- 3. Decide how much coverage you want
- Cheapest full coverage car insurance in Texas for 70-year-olds
- 4. Understand reimbursements and deductibles
- Cheapest minimum coverage car insurance in Texas for 70-year-olds
- 5. Check waiting periods
- 12. Starting or running a business
- Cheapest auto insurance in Texas for 70-year-olds with poor credit
- 6. Examine extra costs
- Cheapest auto insurance in Texas for 70-year-old drivers with one speeding ticket
- 7. Compare quotes
- 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
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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