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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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- Know your airline’s 24-hour cancellation policy
- AAdvantage® Aviator® Red World Elite Mastercard®
- The cheapest Southwest fares: Southwest Wanna Get Away fare vs. Anytime fare
- Emergency
- The cheapest best full coverage car insurance companies
- LendingClub Tailored Checking
- 3. Understand why an existing business is up for sale
- Or chat with friends and community members
- Index examples
- 2. Ask yourself why you received the check
- Broader rewards structure
- Look for the lowest HELOC rate cap
- Six months of Uber One membership
- Funding fee for Interest Rate Reduction Refinance Loans
- Oral antiviral drugs
- Why it’s the best
- Pros of tech stocks
- 2. Tax account transcript
- Settlement
- Step 3: Claim dependents, including children
- 5. E-book writing
- The penalty
- 5. Don't be afraid to ask for help.
- Be strategic about major purchases
- EBay
- What does Spirit consider a personal item vs. carry-on vs. checked bag?
- 2. Offer in compromise
- 2. JP Morgan Chase
- Bridge loans are generally used in one of two ways:
- 5. Texas Woman's University Veteran Woman Entrepreneur Grant
- The ideal choice
- 3. Choose how much you want to invest
- 3. Silver funds
- 20% of your income: savings and debt
- Preparation and packing
- Only certain types of transfers are allowed
- 4. Sell lemonade in the summer or hot cocoa in the winter
- Does basic economy get a carry-on on United?
- The takeaway
- 2. Choose a rollover IRA provider
- Downsides
- Fidelity Investments
- Building Facade & Sustainability Grants for Oxford Businesses
- Book a trip
- Look at the big picture
- From the manufacturer
- Quick service
- Do I have to use Capital One’s portal to use my miles?
- 2. Look into suburban venues
- Lower annual fee
- Annuities
- 3. Prove income or savings balance
- Our pick for: Speedy rewards
- HMBradley
- The Credit Card Competition Act
- Step 4: Adjust as needed
- DTI ratio examples
- 8. Cinnabon
- 5. Event planning
- UFB Direct: Best savings account
- 5. Purchase upgrades with the right credit card
- 4. Anytime Fitness
- EARN MORE POINTS WITH A MARRIOTT BONVOY CREDIT CARD
- 3. Active investing
- All-in-one exchanges: Trade more than crypto
- Credit Karma
- What the American Opportunity Credit is worth
- Trust Wallet
- Spacing out credit card applications
- 5. Get a founders agreement in writing.
- Senior miners
- Property tax deduction
- CD maturity date
- Chubb
- 3. There is more than one type of compensation
- What it is
- A credit score over 620
- Company assets
- JetBlue Airways
- Unlimited music streaming
- Disney California Adventure
- 2. Pass the exam
- Bank of America® Premium Rewards® Elite credit card
- Cheapest full coverage car insurance in Florida for 20-year-olds
- 7. Whip your neighbor's yard into shape
- More bonus categories
- Submit a paper FAFSA
- Conventional loans
- 4. $189 Clear Statement credit
- Get free checked bags
- What if you withdraw from your 401(k) early?
- Merchandise
- Sell your car to an individual or private party
- Use Schedule A
- 2. Document your charitable contributions
- Parents or grandparents with dependents
- What are Amazon’s seller fees?
- 1. Multiply your income by 10
- 2. Find and compare ETFs with screening tools
- Formal two weeks’ notice template
- 5. StockFetcher
- Airline partners
- 7. Curate subscription boxes
- Where MetaMask shines
- 5. Peer-to-peer money transfer apps
- Conventional mortgages: As low as 3% down payment
- Fly on the holidays (or as far from it as possible)
- Credit union financing
- Valuable sign-up bonus
- California
- Average annual life insurance rates for women
- Pros
- 2. Choose an investment account
- Start with a budget
- 3. Evaluate other factors
- Lower fees
- Our tips
- Considerations
- Costs that are not included in DTI
- Travel with your points
- 6. Adoption credit
- 3. Claiming too many charitable donations
- 2. Research Reddit's fundamentals
- Owner-builder loan
- Workers’ compensation insurance
- 5. Art consultant
- 3. Set up balance alerts to stay on top of spending
- Usury laws for payday lenders
- Location of your home
- Diversification through index funds and ETFs
- Apply for a balance transfer card
- 1. Use Star Alliance partner miles
- Wi-Fi
- 4. Open a brokerage account
- Help you choose or switch repayment plans
- Other ways to build credit
- 5. Change your ID cards
- Negative information, if any
- Earn by flying
- 1. Can the borrower pay its bonds?
- 1. With more time for interest to accrue, you will pay more
- Cost
- 5. Recalculated refund scam
- Travel
- Monoclonal antibody treatments
- 3. Record of account transcript
- Step 4: Refine your withholdings
- Southwest flights to Central America
- 3. Decide how many shares to buy
- SBA business acquisition loan requirements
- Do you file 2023 taxes in 2024?
- 4. Be smart about how you ask
- Your strategy: Cast a wider net
- Locate the corresponding size standards
- 1. States with no income tax
- PenFed: Best for a seamless application process
- 3. Budget for emergencies
- Our pick for: Intro APR + high rewards on everyday spending
- 1. Make sure you’re eligible to get an EIN online
- Best insurance company overall: Travelers
- 3. Learn to use AI tools
- 2. You must have owned the home for at least two years
- 2. Take a cut with affiliate marketing
- 2. Pool your points
- Interact with the community
- Checkout 51
- City of Lorain Non-profit Capital & Critical Improvement Fund (NCCIF) Program
- Resident status rules
- Directly from the U.S. government through the TreasuryDirect website
- Equity vs. debt
- Expect to see the effects of rising rates
- Mortgage insurance
- Craigslist, Facebook Marketplace, Nextdoor, OfferUp
- Proof of age
- Is there a minimum amount of miles required for statement credit?
- 4. Social media manager
- 3. Trim the guest list
- Hire an advisor
- Step 2: Choose your market
- Cost of whole life insurance
- What is the difference between a wealth manager and a financial advisor?
- Serving parents, babies, and small children
- CalHFA Zero Interest Program
- Establishing domicile
- Royal Caribbean and Celebrity
- ETF cons
- Step 2: Pick the right kind of entrepreneur salary
- 9. Cold Stone Creamery
- 6. Video production
- Earn by transferring
- Vio Bank: Best money market account
- Bitcoin pros
- Pearl
- How to avoid it
- Better ability to rack up loyalty rewards
- Decentralized exchanges: Competitive prices, but more complex
- Uses for secured loans
- 2. Pay in local currency
- First class airfares
- Is the American Opportunity Tax Credit refundable?
- Managing multiple billing cycles
- Silver elite status
- Travel bonus reward rates
- Don’t assume award redemption rates mirror cash rates
- 4. Do a background search
- 6. Set a vesting schedule for all founders and early employees.
- CD penalty
- Smaller annual fee
- Where Ledger shines
- 3. Flights to Hawaii from 26,000 points round-trip
- 2. Score sponsorships
- 3. Marriott Bonvoy Brilliant® American Express® Card
- Choosing more than one trademark class
- Additional financing
- Whole Foods deals
- 3. Gain professional experience
- Figure out where you are and what you value
- Coverage for accidents and illnesses
- 2. Incorporation fees: Under $300
- Fast Break for Small Business
- 4. Buy your way to Oneworld elite status
- Use your employer benefits
- 4. Use miles for partner award tickets
- Wyndham Grand Clearwater Beach Resort
- Bring a bigger down payment to the table
- JetBlue Airways
- Jumbo loans
- Park hop
- Cons of tech stocks
- 5. Travel coverage
- Visit the United Club
- 6. Translation
- CHFA Down Payment Assistance Grant
- 3. Third-party P2P apps: Free or fast
- Is it worth claiming medical expenses on taxes? Consider your filing status
- 3. Swagbucks
- If you are converting your 401(k) to an IRA
- 4. Robotics
- Allow up to 50% of your income for needs
- 3. Pentagon Federal Credit Union (PenFed) Rewards
- There is a pro-rata rule for backdoor Roths
- 5. Teach others a skill
- Do tipped workers earn the minimum wage?
- Estate tax exemptions by state
- 2. Set a target for future earnings growth rate
- 4. Personal business loans
- 6. Wallet software
- Cover your purchases
- Decrease the amount you owe
- FHA loans: As low as 3.5% down payment
- Reasons for unfreezing your credit
- Choosing corporate tax status for your LLC
- Forgiveness comes sooner
- Other options
- Cons
- Other fuel cards to consider
- 4. Personal trainers
- Step 3: Buy the gold ETF
- Points are worth more when you book travel through Chase
- Win a gig and get to work
- Wants
- 4. Pay a few months’ rent upfront as a security deposit
- 4. If your re-booked flight is at least three hours later, you’ll receive a meal voucher
- Book travel via the AmEx portal or Expedia
- Target Circle™ Credit Card
- Average annual life insurance rates for men
- APR ranges for credit union lenders
- 4. Repaint the front door
- 1. All Nippon Airways
- Pros
- 5. Planet Fitness
- Insurance for the removed driver
- 7. Earned income tax credit
- 4. Home health services
- Hotel award charts make planning high-value redemptions easier
- Personal property coverage
- LifeLock pros
- Goodbudget
- Commercial auto insurance
- 6. Graphic design
- Marriott hotels
- Delta SkyMiles
- USDA guarantee fee
- Book Emirates business class from Dubai to Asia
- 6. Let your leasing company or lender know about your switch
- Cincinnati Insurance
- 4. The DOT dashboard outlines your rights
- 4. Your credit score needs to be strong
- Existing life insurance policies
- Southwest Airlines
- 3. Don’t use the money
- Step 3: Buy the China ETF
- Integrated device manufacturers (IDMs)
- How long will it take to pre-qualify?
- 5. $300 a year in travel credit
- You want to transfer rewards to a domestic airline
- 2. Verify its condition
- 6. IRS account sign-up scam
- Square
- How much is Netflix a month?
- 4. Wage and income transcript
- Step 5: Sign and date your W-4
- 2. Organize your documents
- Scenario 2: A falling market
- Adult children
- You live near a U.S.-Mexico border and cross frequently
- When do you need to file taxes in 2024?
- 2. Determine distribution
- Personal loan calculator
- 5. Leave room for surprises
- 4. Select a provider to open your Roth IRA
- LendingTree Spring
- 4. Silver futures
- 2. Buy 10 times your income, plus $100,000 per child for college expenses
- To review several cruise prices at once: CruiseDirect
- Example interest checking APYs at select institutions
- Premium tax credit eligibility
- Autotrader
- 3. You must have lived in the house for at least two years in the five-year period before you sold it
- Hotel partners
- Upsides
- Michael Novogratz
- 1. Make payments on time
- Stock mutual funds = higher potential returns (or losses)
- Find a car loan
- International travel
- Do Capital One miles expire?
- Seek a pause in student loans, contact your college for aid
- 4. Seek an off-peak season
- Oportun
- Workers’ compensation insurance
- More credit union topics
- Best business expense tracker for transportation businesses
- Track your spending
- Lower pricing
- 7. Podcasting
- 6. Use miles to upgrade
- 2. Evaluate add-ons and endorsements
- 4. Dollar-cost averaging
- Transfer credit card points to a KrisFlyer account
- Size of the AC system
- You prefer the benefits of ISAs
- Where to get auto insurance quotes
- 4. Up to $200 in annual credit for airline incidental fees
- 3. Reduce ATM usage
- Refundable fares
- Discover it® Secured Credit Card
- Timing credit applications with big future purchases
- Look at seating charts, available rooms and car rental options
- Level of luxury
- Gold streaming companies
- Travel benefits
- Mortgage interest deduction
- CDs at a bank vs. credit union
- Book with points
- The best full coverage car insurance companies
- A strong history of paying bills on time
- Inquiries on your credit
- Capital One Business Basic Checking
- Free games
- Points worth 25% more
- Prepare for a future tax bomb
- 4. Adhere to the ethical standard
- 3. The Platinum Card® from American Express
- Stay at a Hilton hotel
- You want to earn travel rewards
- Dimensions and size
- Bring documents showing financial stability
- Earn cash (or pennies) back with rewards apps, in time
- Simplicity
- What factors affect the amount you can borrow
- Hardware
- Use the 'trusted traveler' credit
- Southwest flights to the Caribbean
- 1. Do I need more distance from some savings?
- SBA loan underwriting requirements
- 6. Michigan Veteran Entrepreneur-Lab
- Cheap car insurance after a speeding ticket
- 5. You may be able to switch airlines
- 5. Customer experience management, or CXM
- 1. Cash dividends
- 3. Upgrade your seats
- Step 4: Register your business
- How to contact AARP
- 3. Move the money
- 8. Create an airport-centric app
- 5. Friends and family
- Average car insurance costs after a speeding ticket in California
- Expand your reach
- Montgomery County Economic Development/Government Equity Grant
- Transfer your rewards
- Jumbo loans: As low as 5%-10% down payment (varies)
- Capital gains vs. fixed income
- What are maintenance requirements and margin calls?
- Budget more for necessary goods and services, temporarily
- 5. Blogger and affiliate marketer
- Our pick for: No credit check at all
- 5. Provide reference letters
- Transfer points to travel partners
- Zero-debt financing
- You'd rather not pay an annual fee
- Colorado
- Citi Dividend
- Average annual full coverage car insurance premium by company
- 3. Bonds and bond index funds
- 10. Del Taco
- Submit PSLF employment certification forms
- Bitcoin cons
- 8. Charitable donation deduction
- 4. Reporting too many losses on a Schedule C
- 3. Decide how much to invest
- 1. Locking up savings for a near-future purchase
- Prices likely won’t rise significantly
- Additional coverage add-ons
- Fare flexibility/ticket changes
- 7. Calligraphy
- 4. Pay your bill before your issuer reports to the credit bureaus
- Exodus
- Step 3: Register your catering business and get an EIN
- Gold elite status
- The Platinum Card® from American Express
- Book ANA business class from Japan to India
- 5. Compare tax preparation fees
- 7. Get your employer identification number (EIN).
- Take out a debt consolidation loan
- 2. Select TAP + Star Alliance flights to save
- Customize your loan payments
- Farmers
- Cons
- Drawing your trademark
- 4. Narrow in on a business that aligns with your budget, goals and resources
- Traditional savings account
- Try quizzes, apps and spreadsheets
- United Airlines
- Decide how much effort you’re willing to devote
- 6. TSA PreCheck/Global Entry/NEXUS credit
- Farm Service Agency
- FICO score ranges
- Cheapest minimum coverage car insurance in Florida for 20-year-olds
- 7. Casualty loss scams
- Hospitalization for COVID-19
- Submit the form online, once glitch is fixed
- VA loans
- 5. Verification of non-filing letter
- 7. Editing
- Tactic 2: Use points or miles
- 4. Transfers between prepaid debit cards: Fast
- Use a debt repayment method
- Food and drinks
- 5. Research first-time home buyer assistance programs
- 1. Find a dividend-paying stock
- Our pick for: Online purchases
- 2. States with flat income tax rates
- Navy Federal: Best for military members
- 3. Use the DIME formula
- 4. Tackle high-interest debt
- 2. Gather the necessary information
- Where MetaMask falls short
- 2. Dispute credit reporting errors
- Equity REITs
- Same term: If you refinance at 25 years
- Tips for unfreezing your credit
- If I didn’t have enough miles when I purchased a travel expense, can I still erase it?
- 5. Move the special day
- $300 annual travel credit
- Academic consulting services
- Cost (and quality) of living
- High-yield account APYs compared to brick-and-mortar banks
- The Windfall Elimination Provision
- Eat cheaper
- Find ways to save
- 6. Orangetheory Fitness
- North America (domestic flights)
- Gold
- Installation and labor: $75 to $250 per hour
- First-Year Graduate School Fellowships in Pharmaceutical Science
- 5. Up to $200 in Uber cash for rides
- What to know about unsecured loans
- Dun & Bradstreet business credit scores
- JetBlue Plus Card
- Types of CDs
- Building a portfolio with stocks and bonds
- 5. Buy Amazon stock
- 4. Fly business class to Europe for just 34,000 points one-way
- UCC lien on specific collateral
- Magic Kingdom
- Fabless semiconductor designers and GPU makers
- 2. Lenders usually charge higher interest rates for long-term auto loans
- Our pick for: Grocery spending, commuting and streaming service subscriptions
- 3. Office space: $100 to $1,000 per employee per month
- IFundWomen Universal Grant Application Database
- The actual expense method
- 3. Make the purchase
- Consider bringing your own financing
- Service requirements
- Why it’s the best
- Toast
- How much is YouTube TV?
- Use it for your in-flight purchases
- 2. Do I have savings earmarked for a big purchase?
- Subscriptions
- Keep good records
- 3. Don’t miss out on tax deductions for volunteering
- Swagbucks
- 3. Wells Fargo
- Bridge loan pros and cons
- 3. Think about your children
- 6. Automate responsibly
- ✅ Stability
- 2. Stock dividends
- Understand the value of the welcome bonus
- Call or book online with AmEx Travel
- 3. Register your business and get insured
- 4. You cannot have claimed the home sale capital gains exclusion recently
- 6. Fidelity
- 9. Become a destination wedding planner
- 6. Self-funding
- Tax credits for people with kids
- Downsides
- 3. Get a companion pass
- Follow the rules
- Nursing mothers
- Home equity lines of credit pros and cons
- Step 3: Find a specialty — and stick to it
- Savings and debt repayment
- 6. Offer to start out month-to-month
- 5. Verify whether you’re protected by your credit card
- Our pick for: Rewards on rent payments
- Cons
- 11. Denny’s
- 8. IT consulting
- Other ways to earn
- How to avoid it
- 9. Medical expenses deduction
- LifeLock cons
- 5. Index investing
- Costs and fees to keep in mind
- Baggage and seat selection
- 8. Tattoo artist
- Roll the dice with an upgrade hack
- VA funding fee
- Charitable contribution deduction
- Superior rewards-earnings
- Skip the extra legroom
- 1. Find a dividend-paying stock
- Nationwide
- 4. Marriott Bonvoy Boundless® Credit Card
- 5. You could potentially earn $1,400 a year in statement credits — if you use them
- How to activate My Chase Loan
- What does Medigap not cover?
- Humana Medicare Part D
- Prime Day and Prime Early Access
- Cheapest full coverage car insurance in California for 20-year-olds
- 7. Extra points on Lyft rides
- You’re looking for a lower annual fee
- Accident-only coverage
- Take surveys on Hilton's Guest Opinion Rewards
- Emirates Skywards Premium World Elite Mastercard®
- 5. Access to Oneworld lounges
- Home study
- 8. Identity theft scam
- Lighting
- Drive for Uber or Lyft
- Southwest Airlines
- Other nonconforming loans
- Software
- 6. Purchase protections
- 8. Writing a blog
- Scenario 3: In a flattish market
- Average rates from the biggest auto insurers after an at-fault crash
- Sell to an online used car retailer
- 3. "Currently-not-collectible" status
- 4. Buy stocks using the right order type for you
- Small-business owners
- 7. National Association for Self-Employed (NASE) Growth Grants
- What happens if you don't file your taxes?
- Expensify
- 6. Influencer marketing
- 3. States with progressive tax structures
- Leave 30% of your income for wants
- 3. Place the trade
- 3. Use the P/E ratio to find potentially undervalued stocks
- Google Maps
- 3. Decrease your credit utilization
- How do I access a HELOC?
- Mortgage REITs
- Poshmark
- How much are Capital One miles worth when redeemed for travel?
- 5. Newborn and post-pregnancy services
- 6. Freelance designer
- Reasons to choose recourse factoring
- You’re willing to wait for a (potentially) bigger sign-up bonus
- Professional liability insurance
- Average annual full coverage car insurance premium by age
- Choose term life if you:
- 5. Update the house numbers
- 4. Consider extra coverage
- 7. Pay for a last-minute upgrade
- TIPS funds
- Should you invest in retail stocks in 2023?
- How we picked the airlines to evaluate
- 5. Deducting too many business expenses
- 3. Consider insurance for flooding and earthquakes
- 2. Keeping some savings at a distance
- Construction loans to build a house
- Pre-Doctoral Fellowship in Pharmaceutical Science
- Price
- 6. Up to $200 in annual hotel credit
- How the Lifetime Learning Credit works
- 3. Tap your home equity for a loan or line of credit
- Premiums
- Restaurant rewards
- Book United economy class from U.S. mainland to the Caribbean
- Emirates economy class checked baggage policy
- Peruse restaurant and activity reservations online
- 8. Protect your intellectual property (IP).
- Other Benefits
- Where Ledger falls short
- 3. Make sure to visit an airport lounge
- Process your requests for deferment or forbearance
- 5. Delayed EU flights can compensate you
- Early Bird
- You want lounge access
- Epcot
- Compare manual and digital budgeting options
- Design
- Come up with an investing strategy
- VantageScore ranges
- 5. Fly Qantas first class from anywhere in the U.S. for less
- Wyndham Grand Rio Mar Puerto Rico Golf & Beach Resort
- Credit score for VA refinance
- How can I qualify to borrow more?
- Home equity loans and lines of credit
- 3. Do I want to protect some wealth outside of investments?
- CHFA Second Mortgage Loan
- Virtual cheers
- You live near a U.S.-Mexico border and travel internationally frequently
- 4. Name an executor
- HTH Travel Insurance
- Friend and family loans
- 4. Fiverr
- Popular Chase credit cards
- ✅ Credit card rewards
- 3. Dividend reinvestment programs (DRIPs)
- 4. Redeem AAdvantage miles for merchandise, other travel and more
- 2. Pick which options to buy or sell
- Step 5: Get licenses, permits, and insurance
- Cruise must be at least five days and have double-occupancy
- 5. You cannot have bought the house through a like-kind exchange
- 10. Make local guides
- 3. Land a brand deal and make sponsored content
- 7. Venture capital
- What MetaMask is best for
- 3. Emirates offers chauffeur service
- Hot wallet
- Bond mutual funds = lower returns (but lower risk)
- Mastercard World Elite benefits
- Decrease your interest rate
- Shorter term: If you refinance to 20 years
- Unpaid interest is cancelled
- Apply for aid
- 7. Get a co-signer or a roommate with strong credit
- Revocable life insurance trusts
- Sesame Cash
- Connecticut
- 12. Edible Arrangements
- 9. Catering
- Switch to an income-driven repayment plan
- 7. Primrose Schools
- 10. Deduction for state and local taxes
- Andover Companies: Best coverage
- 4. Choose a bank that doesn’t charge foreign ATM fees
- How to roll over funds — and avoid tax missteps
- Step 4: Get all licenses and clearances needed to start a catering business
- Your credit utilization
- 6. Reconsider tax preparers who don't e-file
- How to use American Airlines AAdvantage miles
- Borrow from your 401(k)
- Book a Oneworld multi-carrier award flight
- The battle of the middle Southwest fares: Southwest Wanna Get Away Plus fare vs. Anytime fare
- State Farm
- Blanket lien
- Equity-based crowdfunding
- Winner of the sky: Delta
- Semiconductor foundries
- 8. DoorDash discounts
- Donate Hilton points
- 4. Inventory: 17% to 25% of your total budget
- Amber Grant for Women
- 9. Ghost tax preparer scams
- Refresh the reservation page
- PayPal
- How much is Hulu?
- 7. Payment flexibility
- 5. Wire transfer: Fast
- 4. Keep the deadline in mind
- Consider booking with frequent flyer miles
- Example 1
- 8. Small Business Innovation Research and Small Business Technology Transfer programs
- Can you transfer Southwest points to airline partners?
- 2. Evaluate the stock
- 4. Replace your income, plus add a cushion
- 4. Barclays rewards
- 5. Plan for retirement
- 3. Submit your application and wait
- 6. Find local gigs through Nextdoor
- 4. Take surveys for money
- Grants.gov
- How much does a HELOC cost?
- Part-year resident status rules
- Mortgage rates
- Ruby Lane
- Lounge access and other top-tier benefits
- Conventional loans
- Step 4: Plan the business budget
- Reasons to choose non-recourse factoring
- Use points to upgrade your seat
- Elder care services
- Banks
- You might also like:
- 4. Real estate investment trusts (REITs)
- Choose whole life if you:
- Best low-cost business expense tracker
- Platinum
- 6. Claiming a home office deduction
- 3. Ensuring returns without market risk
- Loss of use coverage
- Book a fifth freedom flight
- Seasonal Energy Efficiency Ratio (SEER) Rating
- Dr. Paul B. Myrdal Memorial Pre-Doctoral Fellowship in Pharmaceutics
- 7. Up to $300 Equinox credit
- 9. Art director
- Chime Secured Credit Builder Visa® Credit Card
- 5. Monitor your total credit utilization
- Equifax business credit scores
- Get to know your credit card’s travel concierge
- Pros of gold stocks
- Target Date Fund
- Cons
- Cheap full coverage car insurance companies by state
- When are taxes due in October?
- 5. Do your due diligence
- Fly Smart
- 4. Alert authorities to fraud
- Free unlimited photo storage with Amazon Photos
- You want to redeem points for travel directly
- Wellness Rewards
- 1099-A
- Cheapest auto insurance in Florida for 20-year-olds with poor credit
- Telehealth services for COVID-19
- Investing in individual tech stocks
- Check for monthly featured Saver Awards
- 9. Freelance researching
- What else should I know about Roth 401(k) taxes?
- 3. Take stock of your assets and liabilities
- 1. You avoid having the IRS do it for you.
- Make multiple credit card payments per month
- How to avoid Spirit Airlines change fees
- 6. Compare mortgage rates and fees
- People who want to cover their final expenses
- You plan to do some road-tripping in Mexico
- Sign up for Amazon Associates
- Cheap auto insurance after an accident
- Where to get preapproved for a car loan
- 6. Check your credit card for trip delay insurance
- Your strategy: Make a budget and stick to it
- 7. Revisit your budget monthly
- 7. Content automation
- 4. Special dividends
- CarFax
- 6. You cannot be subject to expatriate tax
- 2. Promote your business
- 4. Pledge loyalty to a single airline
- Share your rewards
- Hybrid REITs
- Which is better when?
- 7. Freelance coder
- You want a break on interest
- Use designated accounts for spending and savings
- 5. Get a quote
- 13. Firehouse Subs
- 10. Social media management
- How we chose the winner
- 11. Mortgage interest deduction
- 4. Place your order
- You'll qualify for loan forgiveness
- Your money management style
- Lounge access
- Who can claim the Lifetime Learning Credit?
- The Business Platinum Card® from American Express
- Copays, coinsurance and deductibles
- 7. Confirm they'll sign on the dotted line
- 9. Classify your workers properly.
- Frontier Airlines World Mastercard®
- 4. Enjoy a free stopover in Lisbon or Porto
- 3. Tap TikTok’s ‘Creativity Program Beta’
- 2. Evaluate the stock
- Salary
- Allegation of use
- Review your finances and set goals
- Earn by spending on credit cards
- You like Capital One’s travel portal
- The simplified version
- Key terms in this story
- Stripe
- Conventional loans
- Scenario 4: In a rising market
- Sell to a traditional car dealership
- Location
- Market orders
- Be flexible
- When to use a bridge loan
- How to maximize your rewards
- 5. Gather your paperwork
- Rocket Money
- Our pick for: Everyday spending
- 7. Freelance
- 1. Figure out your gross income
- Best insurance company for affordability: NJM
- Cardholder must travel on the cruise
- 11. Create a local grocery delivery service
- 8. Angel investors
- MetaMask at a glance
- Money market mutual funds = lowest returns, lowest risk
- Program for Investors in Microentrepreneurs
- Longer term: If you refinance to 30 years
- Inverse performance
- Pregnant travelers
- 6. Enrichment activities for children
- Pay the security deposit upfront in cash
- Cover your card charges
- Cybersecurity liability insurance
- Alaska
- 2. Find the right location for your vending machine
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- 6. Clean or replace porch lights
- Credit Account
- 8. Kiddie Academy
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- How to avoid it
- 6. Growth investing
- Renovation loans to buy and repair fixer-uppers
- Herb and Nina Demuth Memorial Award
- 8. $300 SoulCycle credit
- 10. Photographer
- Your payment history
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- Redemption value
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- Mileage Bargains
- 1. Have a goal for your index funds
- What is the Global Entry interview like?
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- 3. You have a higher risk of developing negative equity
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- 10. Freelance coding and web design
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- 2. You can pay your tax bill in installments.
- Example 2
- 9. Southern California Job Creators Grant
- 5. Factor in fees
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- 3. Decide how much stock you want to buy
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- 5. Preferred dividends
- For budget-friendly options: Priceline
- 1. How long you have to rollover a 401(k): The 60-day rule
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- What's next?
- Etsy
- Book one to three months in advance
- 8. Online thrifter
- Our pick for: Beginner-friendly features
- Irrevocable life insurance trusts (ILITs)
- Maryland
- Consider a condo
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- 14. IHop
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- 3. Lower award prices and cash fees on some international partners
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- Hilton
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- First trimester
- Get your house in order
- 8. Check if they would have your back
- Break down your results
- 10. Purchase workers' compensation insurance.
- Tap your home equity
- 5. Bid for an upgrade
- 5. Southwest Rapid Rewards® Plus Credit Card
- 6. You’re owed if you get bumped
- Employment status
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- Additional standard deduction 2023 (taxes due 2024)
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- 5. Marketing: Below 10% of your total budget (even 0%)
- Accion Opportunity Fund
- Be consistent
- The home inspector
- How much is Disney+?
- 8. Exclusive entertainment access
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- 4. Penalty abatement
- 4. U.S. Bank
- Co-signers or co-owners of debt
- 8. Artificial intelligence
- 4. Sit back and relax
- 6. Optimize your finances with tax planning
- You can use credit card benefits to travel in basic economy
- 2. Find your adjusted gross income
- 4. Focus on market cap to screen out risky companies
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- 12. Start a virtual event planning company
- 4. Sell some merch
- 9. Small-business grants
- How much does it cost?
- California car insurance rates after a speeding ticket by company: 35-year-old drivers
- 5. Split the family into different itineraries
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- America’s Seed Fund
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- 2. American Airlines
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- 3. Learn the difference between investing in stocks and funds
- 11. Business planning service
- Noir
- 4. Get quotes from at least three companies
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- 1. Examine your cooling needs
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- 9. Up to $240 in digital entertainment credit
- 5. Use a bank that reimburses ATM fees
- 11. Branding consultant
- Step 5: Determine your pricing
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- What Ledger is best for
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- 1. Decide on an account type
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- Marriott
- 11. Make sure you’re in compliance with securities laws.
- Other airline cards issued by Barclays
- Travel
- Cheap full coverage auto insurance for drivers with an accident or DUI
- Marital status and spouse’s credit history
- International trademark registration
- 2. Research index funds
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- After you're approved for Global Entry
- Animal Kingdom
- 1099-C
- Ramada by Wyndham Udaipur Resort and Spa
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- United Airlines
- Switch your site
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- 7. Gather your loan paperwork
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- 1. Earn elite status
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- Example CD APYs at select institutions
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- Predict your annual spend in bonus categories
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- 5. Make money from your blog with affiliate links
- 10. Crowdfunding
- California car insurance rates after a speeding ticket by company: 20-year-old drivers
- WomensNet Grants
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- Car seats
- 7. Mobile apps and entertainment for children
- Government-backed loans
- Place a debit card hold
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- 5. Money market funds
- Step 3: Understand the benefits of paying yourself an entrepreneur salary—even if you don’t have to
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- 12. Tax consulting
- When did FedNow launch?
- South America
- 7. Value investing
- Add a stopover (or two)
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- 2. Time it right
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- The magic of compound growth
- 4. Borrow from your 401(k)
- How to use British Airways Avios for a flight to Hawaii
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- Other types of savings accounts
- 4. You could fall into a cycle of negative equity
- Methodology
- Legal fees
- Cheapest auto insurance in Florida for 20-year-olds with one speeding ticket
- How much is Max?
- Learn More About Credit Card Processing Fees
- 9. Complimentary Shoprunner membership
- 11. Software and app development
- 4. Research your industry
- 4. You can avoid problems getting a loan.
- Universal life vs. whole life insurance rates for women
- Deliver packages with Amazon Flex
- How to maximize your rewards
- 6. Pick your investments
- Money Manager
- 9. Podcasting
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- CarGurus
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- Know what’s inside
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- Government bonds
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- Swappa, Gazelle
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- Consider how much you’ll need to borrow
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- Online lenders
- Nevada
- 2. Choose the right broker
- Develop good credit habits
- 16. Moe’s Southwest Grill
- Make 10 years' worth of payments
- How we verified our data
- 14. 401(k) contributions deduction
- 2. Open a no-penalty CD
- 2. Decide where you want to have an impact
- Get your finances in order
- Grow Credit Mastercard
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- Individual gold stocks
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- Ledger at a glance
- The most expensive fare: Southwest Business Select fare vs. Anytime fare
- Foreign LLCs Operating in North Carolina
- Assets
- Disney’s Typhoon Lagoon Water Park
- Cheapest auto insurance in California for 20-year-olds with poor credit
- What makes it different?
- Transfer Hilton points from AmEx
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- 6. Website: Around $40 per month
- 1099-CAP
- Consider a personal loan
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- 11. Feed the Soul Foundation's Restaurant Business Development Program
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- 4. Ask about residency exceptions
- 9. Take surveys
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- Our pick for: Opt-in text redemptions
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- Watch the calendar
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- Is there a FedNow app?
- How to avoid it
- 1. Avoid filing your tax return on paper
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- Noncustodial wallets: More effort, more security
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- 11. Reimbursement of application fees for TSA Precheck or Global Entry
- 6. Use your debit card to get cash back at a store
- Is the Lifetime Learning Credit refundable?
- Hyatt
- Ledger
- Second trimester
- Travel credits
- 12. Follow email regulations.
- 4. Use gifting
- 6. United℠ Explorer Card
- Space out credit applications
- Consider paying with miles
- Responding to trademark office actions or oppositions
- Convert other programs’ points to Mileage Bank miles
- 2. Is now the right time to buy bonds?
- Parent PLUS loans
- 11. Luxury hotel benefits
- Venmo Small Business Grant
- Credit cards
- 5. Safeguard your Social Security.
- Average annual car insurance costs from large companies
- 5. Hiring a tax relief company
- 5. Citibank
- Limit orders
- Take on tasks with Amazon’s Mechanical Turk
- John Hancock
- 2. Use credit card statement credits to offset Frontier seat fees
- 6. Capital One Rewards
- 7. Invest to build your future goals
- Perks await when you fly economy with elite status
- 3. Add back certain deductions particular to MAGI
- 14. Make products for pets
- Tax credits for low-to-middle-income households
- 5. You get complimentary spa treatments in the Emirates First Class Lounge in Dubai
- Kitty Fund Mompreneur Business Grant
- Colorado child tax credit (COCTC)
- Property standards
- Set a price alert
- 8. Shared accessories and attire
- Look at nonchain hotels
- Dave
- Most popular
- 1. Automate transfers
- Secured credit cards
- 17. P.F. Chang’s
- Book award travel on Singapore Airlines or SilkAir
- Non-gambling resort goers
- 3. Try a bump-up CD
- Chubb: Best for high-value homes
- InboxDollars Surveys
- Shop around for lenders
- You prefer student loan benefits
- Step 6: Hire, train, and outfit your staff
- Airline partner earning rates
- If you want to help your credit
- A word about IRA eligibility
- 6. You can add different types of authorized users
- 401(k) loans
- What happens if you are declined?
- Disney’s Blizzard Beach Water Park
- 1099-DIV
- 2. Lack of guaranteed free checked bags on British Airways
- Travel
- How to get your vaccine or booster
- Book a resort
- VA loans
- How much is Apple TV+?
- 12. Business coaching
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- 8. Get a preapproval letter
- 10. Streaming service
- Dividend per share (DPS)
- 5. Research the stocks
- 3. Sell your castoffs
- Strollers
- 10. College consultant
- Our pick for: Fixed monthly payments
- Donate to charity
- Credit unions
- New Hampshire
- Set cash aside
- 3. Japan Airlines
- 13. PR agency
- Europe
- 15. Saver’s credit
- 2. Get direct deposit
- Medical payments coverage
- J.C. & Rheba Cobb Memorial Scholarship
- 12. Up to $100 in statement credits annually at Saks Fifth Avenue
- Blue Cash Cards
- Full details about Ledger's ratings
- Monitor your credit reports
- 3. Pick your index funds
- Pros of investing in semiconductor stocks
- 5. Citi Premier® Card
- 5. Repair and maintenance costs increase with a car’s age
- Redeeming Capital One miles
- Have an estate plan in place
- Days Inn by Wyndham Ao Nang Beach Krabi
- The insurer of last resort: Citizens Property Insurance Corporation
- Tactic 3: Use your military benefits
- 12. Chicagoland Job Creators Quest Grant
- AndroMoney
- ❌ Strict cancellation policies
- For booking travel experiences beyond the cruise: TripAdvisor
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- Military Entrepreneur Challenge
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- Rebook if you find a cheaper price
- Consider vacation rentals
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- New York
- Other general-purpose travel card reviews
- Commercial umbrella insurance
- 3. Open the account
- Pay with points and miles
- Invest in your financial future
- 18. Pinkberry
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- How quickly could the IRS implement the child tax credit expansion?
- 3. Consider your existing investments
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- Citi Premier® Card (For good rewards and a low annual fee)
- Third trimester
- 13. Make sure your investors are accredited.
- Gold stock ETFs
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- Amica vs. State Farm home insurance
- Methodology
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- Winner for its variety of credit cards: Delta
- 12. Cardholder hotline
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- SBA 7(a) loan for hotel acquisition: An example
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- Cheapest auto insurance in Florida for 20-year-olds with one at-fault crash
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- Conventional loans
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- Appendix: How the math works in our examples
- Your strategy: Use leverage where you have it
- Our pick for: Cell phone and internet bill payments
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- 8. Grow your financial well-being
- Our pick for: Flat-rate travel rewards
- Example money market account APYs at select institutions
- 1. The modern consumer is smarter than ever before, so be an expert in your field.
- Part-year resident status rules
- Step 5: Register the business
- Use your refund to pay down debt
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- 3. Stay on top of things
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- 7. Use a travel credit card instead
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- The Hilton Honors American Express Business Card
- Upgrading to Main Plus
- Convert other points to miles through a 2-step transfer
- Cons of investing in semiconductor stocks
- Our pick for: Utilities, commuting and more
- Cheapest auto insurance in California for 20-year-old drivers with one speeding ticket
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- 7. Office furniture and supplies: 10% of your total budget
- The Amplifier Grant
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- 3. No guaranteed mileage earnings on all airlines
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- 4. Determine the option time frame
- Best insurance company for accident forgiveness: Geico
- Cars.com
- Handle with care
- Additional items
- 11. Online tutor
- South Dakota
- 2. Count your coins and bills
- Consider using a retirement account
- 19. Pizza Hut
- 14. Professional organizing
- Apply for PSLF forgiveness
- World of Hyatt members who want to match status
- How to avoid it
- 5. Buy your home insurance policy and read it closely
- Hyatt hotels
- Other program partners
- Resident status rules
- Cheap full coverage car insurance for drivers with poor credit
- 7. Delta SkyMiles® Gold American Express Card
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- Raising a child
- Hilton
- Buy an annual pass
- How much is Peacock?
- Government assistance
- 6. High-yield savings accounts
- 6. PNC Bank
- USAA vs. State Farm home insurance
- 401(k) hardship withdrawals
- ❌ Costs
- Earning vs. redeeming points
- Utility-based clean energy incentives
- 16. Sell vintage clothing online
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- The risks and rewards of each
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- 4. Fund the account
- 4. Set a budget for your stock market investment
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- Hire a builder
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- Cash out your 401(k) — which is rarely recommended
- 5. Enter a debt management plan
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- 9. Choose a real estate agent carefully
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- Tennessee
- 20. Red Robin
- 15. Photography
- 4. One more thing to know about your tax refund
- 4. Understand your ESG fund’s impact
- 9. Socially responsible investing
- Swagbucks
- Seat selection
- Labor and delivery
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- U.S. Bank Altitude® Connect Visa Signature® Card
- AM Best Financial Strength Rating: A (Excellent) for most
- Learn more about SBA loans:
- 14. Establish a privacy policy.
- Delta SkyMiles Cards
- Amica vs. Geico home insurance
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- 5. Sell with TikTok Shop
- 4. Set a budget for your stock market investment
- 4. Decide where to buy your index funds
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- Ride with Lyft
- 8. Utilities: Around $2 per square foot of office space
- FedEx Small Business Grant Contest
- How much is Prime Video?
- 14. Tutoring
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- Past years' state tax rates
- 9. Estate planning: Protect your financial well-being
- 7. Self-publish an e-book
- 17. Begin niche blogging
- Tax credits for investing in retirement
- 6. There's no overhead space to store luggage
- Ohio Small Business Development Centers (SBDC)
- Corporate bonds
- Drawbacks
- Nonresident status rules
- Call and ask
- Rhode Island
- 3. Find your vending machine
- 3. Prep for grocery shopping
- Where is the best place to exchange currency?
- Africa
- 18. Home office deduction
- Get preapproved
- Home equity line of credit
- Neil Pruitt Sr. Memorial Scholarship
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- 14. Access to the American Express Global Lounge Collection at airports
- If you want to resolve the default quickly or already rehabilitated the loan
- Aim to save at least 10% to 15% of your pretax income
- For JAL flights
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- Cheapest auto insurance in Florida for 20-year-olds after a DUI
- Asset-driven approach
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- Allstate vs. State Farm home insurance
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- Dividend payout ratio
- 8. Bank of America® rewards
- Compare credits and amenities among cruise lines
- 1. Live in the house for at least two years
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- Our pick for: An upgrade path
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- 5. Help your kid decide what to invest in
- 7. CDs
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- Step 7: Market during your own events
- 15. Create a company handbook.
- How do you get a perfect credit score?
- Business loans
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- Eat with Hilton Dining Rewards
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- 15. Online fitness trainer
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- 14. Bizee Fresh Start Business Grant
- Hire and work with a tax preparer or another tax pro
- ❌ No loyalty program
- To match with a vacation planner: Avoya Travel
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- Our pick for: A quicker welcome bonus
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- How to avoid it
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- Why Chase Ultimate Rewards® can be the best option
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- For flights on partner airlines
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- 9. Payroll: 25% to 50% of your total budget
- How much is Sling TV?
- 7. CDs
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- Allstate vs. Geico home insurance
- USAA vs. Allstate home insurance
- Vanguard Total Stock Market Index Fund (VTSAX)
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- American Airlines credit cards
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- How to maximize your rewards
- 7. Poshmark
- 11. Monetize your social media accounts
- Edmunds
- 2. See whether you qualify for an exception
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- SAVE benefit starting in February 2024
- State Farm vs. Allstate home insurance
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- 4. United Airlines
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- Country Financial: Best for using an agent
- Get final approval
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- Marriott
- Conventional loans
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- How to maximize your rewards
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- An example of buying a call
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- Pros
- 10. Vacation rentals
- 13. Cybersecurity consultant
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- Spring road trip? Save money at the pump
- Property-based passive income ideas
- Step 4: Calculating your compensation
- Pre-qualify to compare offers
- 17. Interior decorating
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- Where can you exchange currency for free?
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- 20. Solar tax credit
- Cash-out refinance
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- Gap Inc. credit cards
- How much will you really need to retire?
- 6. Monetize using the Series feature
- 5. Buy index funds
- SBA loans
- Book a rental car
- Citi Double Cash® Card
- Hurricanes and tropical storms
- 16. SEO consulting
- Market approach
- Vanguard Total Bond Market Index Fund (VBTLX)
- Home equity loans and lines of credit
- 12. Get paid to stream on Twitch
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- State Farm vs. USAA home insurance
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- 5. Focus on investing for the long-term
- 23. Red Lobster
- Long-term goals vs. short-term goals
- 16. Upgrade to Marriott Bonvoy Gold Elite status
- 8. The Platinum Card® from American Express
- Semiconductor stock ETFs
- 14. Purchase protection
- 1. Identify your borrowing needs.
- 1099-LTC
- How much is Fubo TV?
- Property-based passive income ideas
- 16. U.S. Chamber of Commerce America's Top Small Business Awards
- Our pick for: Customizable bonus categories
- 7. Find your customers
- 19. Start ghostwriting
- Other details you should know about MetaMask
- Cons
- Cryptocurrency pros
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- Renting a car? Take advantage of rental insurance benefits
- 4. Minimize restaurant spending
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- Expand your coverage with endorsements
- Pre-Graduate Scholarship
- Step 8: Get funding
- Use coupon codes
- NCQA Score Range: 2.5 to 4.0 out of 5
- Hotel status
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- Which one should I take?
- Marriott Bonvoy Cards
- 5. Focus on investing for the long-term
- Online lenders
- Cheapest auto insurance in California for 20-year-old drivers after a DUI
- 8. Capital One
- Allstate vs. Farmers home insurance
- USAA vs. Geico home insurance
- Vanguard Balanced Index Fund (VBIAX)
- Gifting large sums of money to family
- Compare car insurance rates for drivers with a DUI
- Complete financial plan and investment advice
- An example of buying a put
- Best insurance company for having few customer complaints: American Family
- Confirm the grant is available
- Hurricanes
- 11. Electronics repair
- 14. Transcriptionist
- Step 6: Find and maintain clients
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- 8. Buy a rental property
- Invest
- 15. Merry Maids
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- 17. Upgrade to Hilton Honors Gold status
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- Gold, Navigator benefits on partner flights
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- 10. Professional consultants: Between $1,000 and $5,000 per year
- 1099-MISC
- Cheapest full coverage car insurance in Florida for 30-year-olds
- 17. Selling handmade goods
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- Our pick for: No security deposit, low annual fee
- American Express® Green Card
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- Pay off debt
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- Personal loan
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- An additional service fee to get a cash refund
- Don’t forget the fifth-freedom flights
- 6. Keep an eye on your index funds
- Business credit cards
- Justine Petersen
- 8. Buy a rental property
- 11. Stick to your budget
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- Vanguard Growth Index Fund (VIGAX)
- Best Western credit cards
- Hilton credit cards
- Hyatt credit cards
- IHG credit cards
- Marriott credit cards
- Wyndham credit cards
- Other hotel credit cards
- 3. What's your point of difference in the market?
- Be aware of key dates
- State Farm vs. Progressive home insurance
- 15. Travel planner
- Cryptocurrency cons
- California earned income tax credit (CalEITC)
- Technology maintenance and repair services
- 24. American Eagle
- 19. Graphic design
- 18. Money-saving perks for stays booked through The Hotel Collection
- Sign up for a Hotels.com account for Secret Prices
- Lean FIRE
- Transfer partners
- Using Citi ThankYou Points
- Priceline VIP Rewards™ Visa® Card
- 7. Collect tips from viewers
- Amenities
- 16. Extended warranty
- Hyatt
- Tornadoes
- 18. Grants.gov
- Paying for vacations, cars or other stuff
- Cheapest car insurance for young drivers
- To book a vacation package with an airline or hotel
- Specialized guidance and/or want to meet with an advisor face-to-face
- Used Car Search Pro by iSeeCars
- 21. Open a coworking space
- Is MetaMask right for you?
- Conventional loans
- Our pick for: Discounts at checkout
- Albert
- Cincinnati, Ohio
- Earthquakes and other land movement
- 5. Get discounts on entertainment
- 9. Rent out your own house
- 6. Manage your stock portfolio
- Low-risk vs. high-risk investing strategy
- Fair housing center or HUD
- Personal loans
- 1099-NEC
- Where are Wyndham hotels?
- Citi Rewards+® Card
- 18. Virtual thrift shop
- Vanguard Small Cap Index Fund (VSMAX)
- Our pick for: Maximized value
- 15. Fitness tech
- 8. Understand your funding options
- 9. Become an Instagram influencer
- Review eligibility requirements
- California young child tax credit (YCTC)
- Pay off debt
- Avoid taking on more debt
- 25. Anthropologie
- 20. Clothing boutique
- 19. Complimentary benefits through Fine Hotels & Resorts
- Xbox Mastercard
- 9. Capital One Venture Rewards Credit Card
- 6. Manage your stock portfolio
- 2. Confirm your qualifications.
- 9. Rent out your own house
- How to compare life insurance quotes
- 9. Fifth Third Bank
- 6. Know when to sell stocks — and when not to
- Giving a laid-back loan
- 16. Fundraiser
- MyLowe’s Rewards Credit Card
- Fat FIRE
- Bring the kids
- Fly On elite status
- Business grants
- Our pick for: Your choice of expenses
- Cheapest minimum coverage car insurance in Florida for 30-year-olds
- How to earn Wyndham Rewards points
- Winter storms
- 1. Has the W-4 form changed?
- 1. Pick which types of I bonds you want to buy
- Average car insurance costs after a speeding ticket
- 19. GrantWatch
- Vanguard Total International Stock Index Fund (VTIAX)
- Seven Corners
- Cash advance apps
- When a Marriott transfer to United makes sense
- Portfolio management only
- 22. Become an online coach
- How we review crypto wallets
- Tax credits for green purchases
- Hail
- FHA loans
- 12. Academics courses
- California child and dependent care tax credit
- B2B legal services
- Severe weather
- 6. Map out major purchases
- 10. Get a roommate
- Wait to apply
- 26. Banana Republic
- 21. Bed and breakfast
- Do-it-yourself vs. hiring professional help
- Cheapest full coverage car insurance in California for 30-year-olds
- What makes it different?
- 17. Rental car coverage
- 1099-OID
- 19. Affiliate marketing
- Life insurance quotes vs. rates
- 12. Make the most of walk-throughs and open houses
- If you owe taxes
- Setting up joint bank accounts
- 16. Online teaching
- Consider funding alternatives
- American Express® Gold Card
- Ithaca, New York
- Wildfires
- Step 9: Plan for emergencies — both financial and others
- Barista FIRE
- Card ecosystem
- Other details you should know about Ledger
- 11. Insurance: Average of $1,200 per year
- 10. Get a roommate
- 23. Flip failing websites
- 17. Medical billing and coding
- California adoption cost tax credit
- Our pick for: No security deposit, low annual fee, potentially high credit limit
- Monzo
- Alternative investment passive income ideas
- Repeat
- 27. DSW
- 22. Food truck
- Mix KrisFlyer miles and cash
- NJM: Best small regional insurer
- How much are car insurance quotes?
- 20. Free shipping with ShopRunner
- Find your niche
- 18. Trip cancellation or interruption insurance
- 1099-PATR
- 2. What does it mean to be exempt from taxes?
- 20. Accounting or bookkeeping
- 17. Mobile application development
- Our pick for: Bank of America® customers
- 10. Monetize your Twitch channel
- Step 7: Invest in advertising and expanding
- Flooding
- Winter weather
- 3. Your employees’ compensation
- Kiva U.S.
- Citi Custom Cash® Card
- Alternative investment passive income ideas
- 2. Decide how much you want to invest in I bonds
- If you’re getting a tax refund
- Cheapest auto insurance for senior drivers
- Best insurance company for financial strength: Auto-Owners
- TrueCar
- 24. Become a web developer
- Tornadoes
- 13. Language courses
- California nonrefundable renters tax credit
- 7. Restrict online shopping
- 28. J. Crew Factory
- Above-the-line deductions
- 21. Concierge service
- AARP® Essential Rewards Mastercard® from Barclays
- NYC tax rate schedule
- The value of Southwest Wanna Get Away (and Plus) vs. Anytime fares
- Comparing full coverage car insurance quotes
- 10. Hilton Honors American Express Aspire Card
- Cost
- 1099-Q
- Cheapest auto insurance in Florida for 30-year-olds with poor credit
- How to redeem Wyndham Rewards points
- Hurricanes and tropical storms
- An existing relationship
- If you're a Marriott Vacation Club owner
- 18. Video producing
- Jersey City, New Jersey
- Flooding
- 11. Peer-to-peer lending
- 23. Restaurant or cafe
- Find Singapore Airlines partner awards
- Is Ledger right for you?
- Cheapest minimum coverage car insurance in California for 30-year-olds
- 19. Trip delay reimbursement
- 3. Gather the necessary documentation.
- 21. Telemarketing
- 13. Don’t skip the home inspections
- Average car insurance costs after a DUI
- 18. Search engine optimization consultant
- 25. Start a podcast
- Pros
- Our pick for: Existing cardholders
- 5. Stock your vending machine with inventory
- 29. Journeys
- 22. Low fares through the International Airline Program
- 12. Taxes: Variable, but 21% corporate tax rate
- 1099-R
- 11. Peer-to-peer lending
- 3. Figure out how long to keep your I bonds
- Good credit
- Veteran Business Outreach Centers
- Buy now, pay later
- Wildfires
- The Platinum Card® from American Express
- Greenlight
- 4. Cash flow
- 24. Craft brewery
- Below-the-line deductions
- 20. Lost luggage reimbursement
- Citi Rewards+℠ Student Card
- 3. When should I review my W-4?
- 22. Online personal assistant
- Use American Express to maximize the conversion rate
- 19. Social media consultant
- 26. Be a social media influencer
- Dividends and preferred stock
- 19. Publicist
- Earthquakes
- 8. Delay purchases with the 30-day rule
- 30. Madewell
- Upgrade your Singapore Airlines airfare
- Which factors determine car insurance quotes?
- 23. Savings with the Cruise Privileges Program
- How we review crypto wallets
- Be authentic
- 1099-S
- Compare auto insurance rates for drivers with poor credit
- Pros
- 11. Sell your photography
- 14. Business or marketing courses
- Our pick for: Average credit and rewards
- New York City
- 12. Private equity
- Credit required
- Cruise line credit cards
- How to reach the different status levels
- 21. Medical emergencies during travel
- Cheapest auto insurance in Florida for 30-year-olds with one speeding ticket
- 23. Data entry
- 14. Negotiate with the seller
- Strong revenue
- Tin Leg
- Cons
- Sinkholes
- 31. Old Navy
- 25. Ice cream shop
- Other ways to redeem Singapore Airlines miles
- 24. Car Rental Privileges
- 6. Evaluate the price of the business with the earnings, assets or market approach
- Cheapest auto insurance in California for 30-year-olds with poor credit
- Embrace vs. Healthy Paws
- 13. Travel: Variable
- 4. Can I adjust my W-4 multiple times throughout the year?
- 12. Private equity
- Service-Disabled Veteran-Owned Small Business Program
- 20. Drone videography
- 27. Create online courses
- Selling bonds
- 20. Customer service representative
- TJX Rewards® Platinum Mastercard®
- 6. Make the right investments
- 9. Get creative with gifts
- 5. Growth rate
- The value of Business Select vs. Anytime fares
- Grameen America
- 1099-SA
- 24. Transcription
- Enough time in business
- Our pick for: Prime gaming
- Our pick for: Paying rent
- Step
- 32. Target Circle
- 26. Personal chef
- USAA: Best for military and veterans
- 25. Deals through the Amex Auto Purchasing Program
- RCI Elite Rewards Mastercard
- Serve your audience and set small goals
- Citi Premier® Card
- 21. Cybersecurity or IT consulting
- Cons
- What should you do if you’re invested in these REITs?
- 28. Become a marketing consultant
- 15. Personal wellness
- American Express® Business Gold Card
- Toledo, Ohio
- Most popular: HO-3 insurance
- Overseas acceptance
- 14. Shipping: Variable
- Sinkholes
- 25. Travel planning
- 15. Buy adequate home insurance
- Collateral
- Boots to Business
- Best insurance company for discounts: Amica
- 21. Pet sitter or dog walker
- 1. What is a service business?
- 13. Crypto staking
- 27. Landscape services
- 26. An extra point when booking Platinum Destinations Vacations
- Upromise® Mastercard®
- Our pick for: Earning more automatically
- Cheapest auto insurance in Florida for 30-year-olds with one at-fault crash
- 10. Lower your car costs
- 6. What you can afford
- Use multiple strategies
- Cheapest auto insurance in California for 30-year-old drivers with one speeding ticket
- Embrace vs. Trupanion
- 13. Crypto staking
- 22. Venture capitalist
- 29. Develop an app
- 22. Arts and crafts master
- Our pick for: Average credit and no annual fee
- 2. How do you start a service business?
- 33. Aveda
- 28. Pet grooming
- 27. Additional value through the InCircle rewards program
- 26. Cybersecurity and IT consulting
- Institute for Veterans and Military Families
- 12. Become a dog walker with Rover or Wag
- Majority
- Westchester County, New York
- Look up the insurer’s financial strength
- Broadest coverage: HO-5 insurance
- Citi Prestige® Card
- Community banks
- 16. Courses in hobbies or interests
- 23. Accountant
- 3. How do you calculate the break-even point for service businesses?
- 11. Reduce your gas usage
- 34. BareMinerals
- 29. Florist
- 28. AmEx Carbon Emissions Tracker
- 30. Make a smart appliance
- Cheapest auto insurance in Florida for 30-year-olds after a DUI
- Average annual car insurance costs for drivers with good vs. poor credit
- Online lenders
- Veteran Women Igniting the Spirit of Entrepreneurship
- World Nomads
- 23. Startup incubator
- 24. T-shirt designer
- The Business Platinum Card® from American Express
- 4. Do service businesses charge sales tax?
- Product creation passive income ideas
- Step 5: pay yourself!
- 35. Clinique
- No longer available: Barclaycard Arrival Plus® World Elite Mastercard®
- Global Club elite status
- Cheapest auto insurance in California for 30-year-old drivers with one at-fault crash
- Secure funding
- 27. Online therapy
- 31. Tap into virtual reality experiences
- Comun
- 30. Massage therapist
- Research the insurer’s reputation for customer service
- Limited coverage: HO-1 and HO-2 insurance
- Embrace vs. ASPCA
- Pros
- Product creation passive income ideas
- 13. Sell unused gift cards
- 17. Bookkeeping and accounting
- Costco Anywhere Visa® Card by Citi
- 12. Bundle cable and internet
- 36. CVS
- 29. The Global Dining Access by Resy
- 1. Look at customer satisfaction scores
- AT&T Points Plus Card
- 28. PR consulting
- Microlenders
- Veteran Institute for Procurement
- 24. Antivirus developer
- 32. Make a niche dating site
- Individual stocks
- 25. Cleaning service
- Our pick for: Limited credit
- 14. Write content
- Cons
- 37. e.l.f. Cosmetics
- Erie: Most generous coverage
- 30. Exclusive events
- 2. Consider financial strength
- 14. Write content
- 25. Domain name broker
- 33. Develop a chatbot
- 13. Switch your cell phone plan
- 31. Nutritionist
- No longer available: Barclays Arrival® Premier World Elite Mastercard®
- Cheapest auto insurance in California for 30-year-old drivers after a DUI
- Get a business credit card
- 29. Podcasting
- Office of Small & Disadvantaged Business Utilization
- Our pick for: Target gaming purchases
- Best insurance company for customer satisfaction: State Farm
- 18. Consulting
- 26. Massage therapist and wellness expert
- Bunq
- Pros
- 38. Lancome
- 31. An open invitation to events with Membership Experiences
- 3. Evaluate the policy options
- 7. Secure capital to make the purchase
- Up to 3 stopovers on a Japan Mileage Bank partner airline award ticket
- Cheapest full coverage car insurance in Florida for 40-year-olds
- Compare insurance rates for drivers with an accident
- 14. List your spare bedroom on Airbnb
- 34. Offer matchmaking skills
- 32. Personal trainer or fitness instructor
- 1. Understand your eligibility requirements
- For cruise package deals: Costco Travel
- Dividend stocks
- Cons
- 39. Sephora
- Replacement cost vs. actual cash value
- 32. A better view with American Express Preferred Access
- No longer available: Barclaycard Rewards MasterCard®
- 30. Life coaching
- State and local governments
- 35. Be a virtual assistant
- 27. Personal trainer
- 14. Reduce your electric bill
- 4. Get prices from a handful of companies
- Up to 7 stopovers on Oneworld award tickets
- Our pick for: Good credit
- Totem
- 15. Publish a digital course
- 40. SmashBox
- 33. Beauty services
- Our pick for: Wholesale shoppers
- How much is auto insurance for young drivers?
- Cheapest minimum coverage car insurance in Florida for 40-year-olds
- 31. Video production
- 15. Publish a digital course
- 36. Reinvent exercising
- 19. IT support
- 28. Interior decorator
- 15. Lower your student loan payments
- 41. The Body Shop
- 34. Life coach
- Cheapest full coverage car insurance in California for 40-year-olds
- 1. What is the average cost to start a small business?
- 2. Find and choose a microlender
- Verizon Visa® Card
- Car-related passive income ideas
- 33. No foreign transaction fees
- No longer available: Barclaycard CashForward™ World Mastercard®
- 32. Resume writing and career coaching
- 37. Create eco-friendly, health-friendly makeup and beauty products
- 29. Event planner
- 42. Ulta
- Nationwide: Best online experience
- 2. How do you calculate startup costs?
- Car-related passive income ideas
- Directly with the Cruise Line
- Best insurance company for military members: USAA
- 15. Sell your gently used clothes
- 16. Cancel unnecessary subscriptions
- 34. Upgrade with points
- 3. Submit your application
- 38. Open a food truck or restaurant pop-up
- 20. Graphic design
- 16. Wrap your car with ads
- 35. Tutor
- Cheapest auto insurance in Florida for 40-year-olds with poor credit
- 33. Dropshipping
- 30. Caterer
- Our pick for: Travel
- Homeowners insurance deductibles
- 35. No preset spending limit
- Cheapest minimum coverage car insurance in California for 40-year-olds
- 3. Are business startup costs tax-deductible?
- 16. Wrap your car with ads
- 39. Start an organization business
- 17. Refinance your mortgage
- 43. AMC Theatres
- 36. Daycare provider
- No longer available: Barclaycard Ring® Mastercard®
- Standard (nonbank) neobanks
- 17. Rent out a parking space
- 36. A lower annual fee on additional cards
- Average annual car insurance costs for young drivers by company
- Our pick for: Walmart gaming purchases
- 40. Do interior design for young professionals
- 31. Bed-and-breakfast manager
- 44. Barnes & Noble
- 4. What is considered a startup cost?
- 34. Recruiting
- 17. Rent out a parking space
- 16. Trade in old phones, electronics for cash
- 21. Social media management
- 18. Set savings goals
- 37. Senior care provider
- 37. CreditSecure
- Cheapest auto insurance in Florida for 40-year-olds with one speeding ticket
- 45. Redbox
- Cheapest auto insurance in California for 40-year-olds with poor credit
- 35. Marketing consulting
- 32. Florist
- Neobanks that are online banks
- 38. Interpreter or translator
- Openly: Fewest consumer complaints
- Our pick for: Instant gratification
- 36. Online fundraising or grant writing
- 33. Day care manager
- Chase Freedom Flex℠
- 39. Housecleaning
- 17. Get a babysitting gig
- 22. Marketing copywriter
- 19. Track spending
- 38. Cell phone protection
- Our pick for: Paying rent
- Cheapest auto insurance in Florida for 40-year-olds with one at-fault crash
- 37. Online course teaching
- Digital wallets with banking services
- Cheapest auto insurance in California for 40-year-old drivers with one speeding ticket
- 34. Rideshare driver
- 40. Automotive repair
- 39. Purchase protection
- 38. Online cooking instruction
- 1. Gather your information
- 23. Virtual assistant services
- 20. Pay off high-interest debt
- 35. Photographer
- 41. Handyman services
- 40. Return protection
- Our pick for: PlayStation purchases
- 18. Rent out your car
- Fintech firms with cash management accounts
- Cheapest auto insurance in Florida for 40-year-olds after a DUI
- 39. YouTube channel
- Our pick for: Personalized rewards
- 21. Keep savings in a high-yield savings account
- 41. Extended warranty
- Cheapest auto insurance in California for 40-year-old drivers with one at-fault crash
- 36. Landlord
- 42. Dry cleaners
- 8. Close the deal with the appropriate documents
- State Farm: Best perks
- 42. Baggage insurance plan
- 40. Voiceover work
- 2. Choose the right liability car insurance coverage levels
- 37. Hair stylist or makeup artist
- 22. Create a 50/30/20 budget
- 43. Hardware store
- 1. Do your research
- Discover it® Cash Back
- 43. Car rental loss and damage insurance
- 19. Sign up for TaskRabbit
- 44. Self-storage business
- Cheapest auto insurance in California for 40-year-old drivers after a DUI
- 41. Start a team
- 2. Get organized and make it official
- 38. Eldercare
- 44. Premium Car Rental Protection
- Cheapest full coverage car insurance in Florida for 50-year-olds
- 45. Freelance copywriting and content creation
- 39. Brewer
- 23. Shop consignment and thrift stores
- 45. Trip delay insurance
- 46. Rideshare driver
- How do you want to make money?
- 20. Become a private tutor
- 3. Find the right financing
- 46. Trip cancellation and interruption insurance
- 40. Tailor
- 47. Website development and design
- Cheapest minimum coverage car insurance in Florida for 50-year-olds
- How will you find work?
- Cheapest full coverage car insurance in California for 50-year-olds
- 48. Sell clothes online
- 47. Premium Global Assist Hotline
- 3. Decide if you need full coverage car insurance
- Our pick for: Best Buy purchases
- 24. Join initiatives to get free items
- You’re a first-time home buyer
- How much autonomy do you want?
- 21. Drive for Uber, Lyft
- 49. SEO consultant
- Cheapest auto insurance in Florida for 50-year-olds with poor credit
- 1. Craft a business plan
- 50. App development
- Trip cancellation
- Cheapest minimum coverage car insurance in California for 50-year-olds
- 25. Use car sharing services
- You live in a high-risk area
- 2. Carve out a dedicated workspace
- Cell phone protection
- Trip interruption
- 22. Make deliveries for Amazon, Uber Eats
- 3. Choose a business entity
- Purchase protection
- Cheapest auto insurance in Florida for 50-year-olds with one speeding ticket
- 26. Stock up on household supplies when they’re cheap
- You have a dog
- Trip delay
- Cheapest auto insurance in California for 50-year-olds with poor credit
- 4. Collect and compare car insurance quotes
- Return protection
- 23. Find work as a housesitter
- Extended warranty
- Cancel For Any Reason
- 27. Enjoy community events
- You own valuable items
- Cheapest auto insurance in Florida for 50-year-olds with one at-fault crash
- Baggage insurance plan
- Cheapest auto insurance in California for 50-year-old drivers with one speeding ticket
- Our pick for: Digital Microsoft Store purchases
- Pros of buying a business
- Baggage delay
- 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
- Trip delay insurance
- Lost baggage
- Cheapest auto insurance in Florida for 50-year-olds after a DUI
- United’s hotel partners
- Cheapest auto insurance in California for 50-year-old drivers with one at-fault crash
- Trip cancellation and interruption insurance
- Travel medical insurance
- 25. Put your drone to work
- Rocketmiles
- Compare car insurance companies
- Cheapest auto insurance in California for 50-year-old drivers after a DUI
- Cheapest full coverage car insurance in Florida for 60-year-olds
- United Hotels
- Conditions common to your dog’s breed
- Cons of buying a business
- Cheapest minimum coverage car insurance in Florida for 60-year-olds
- Cheapest full coverage car insurance in California for 60-year-olds
- Your dog’s energy and activities
- Cheapest auto insurance in Florida for 60-year-olds with poor credit
- Wellness expenses
- Cheapest minimum coverage car insurance in California for 60-year-olds
- Cheapest auto insurance in Florida for 60-year-olds with one speeding ticket
- Cheapest auto insurance in California for 60-year-olds with poor credit
- Decide whether your cat needs insurance
- Cheapest auto insurance in Florida for 60-year-olds with one at-fault crash
- Wellness expenses
- Cheapest auto insurance in California for 60-year-old drivers with one speeding ticket
- Cheapest auto insurance in Florida for 60-year-olds after a DUI
- Cheapest auto insurance in California for 60-year-old drivers with one at-fault crash
- 1. Check whether your pet is eligible
- 2. Research what’s covered
- Cheapest auto insurance in California for 60-year-old drivers after a DUI
- Cheapest full coverage car insurance in Florida for 70-year-olds
- 3. Decide how much coverage you want
- Cheapest minimum coverage car insurance in Florida for 70-year-olds
- Cheapest full coverage car insurance in California for 70-year-olds
- 4. Understand reimbursements and deductibles
- Cheapest auto insurance in Florida for 70-year-olds with poor credit
- Cheapest minimum coverage car insurance in California for 70-year-olds
- 5. Check waiting periods
- Cheapest auto insurance in Florida for 70-year-olds with one speeding ticket
- Cheapest auto insurance in California for 70-year-olds with poor credit
- 6. Examine extra costs
- Cheapest auto insurance in Florida for 70-year-olds with one at-fault crash
- 7. Compare quotes
- Cheapest auto insurance in California for 70-year-old drivers with one speeding ticket
- Cheapest auto insurance in Florida for 70-year-olds after a DUI
- Cheapest auto insurance in California for 70-year-old drivers with one at-fault crash
- Cheapest auto insurance in California for 70-year-old drivers after a DUI
- Auto insurance laws in California
- Low-income car insurance in California
1. Roll your debts onto a balance transfer credit card
0% introductory APR period.
A year or more to pay off debt without interest.
Requires good to excellent credit to qualify.
Usually carries a balance transfer fee.
Higher APR kicks in after the introductory period.
Also called credit card refinancing, this option transfers credit card debt to a balance transfer credit card that charges no interest for a promotional period, typically 15 to 21 months. You’ll need good to excellent credit (690 credit score or higher) to qualify for most balance transfer cards.
A good balance transfer card will not charge an annual fee, but many issuers charge a one-time balance transfer fee of 3% to 5% of the amount transferred. Use NerdWallet’s balance transfer savings calculator to see whether the interest you save over time will wipe out the cost of the fee.
Aim to pay your balance down completely before the 0% intro APR period is over. Any remaining balance after that time will have a regular credit card interest rate.
» COMPARE: Best balance transfer credit cards
2. Apply for a credit card consolidation loan
Fixed interest rate means your monthly payment won’t change.
Low APRs for good to excellent credit.
Direct payment to creditors offered by some lenders.
Hard to get a low rate with bad credit.
Some loans carry an origination fee.
Credit card consolidation loans, also called debt consolidation loans, are fixed-rate loans that come in a lump-sum, ranging from $1,000 to $50,000, with terms up to seven years. You can apply for a consolidation loan at your local credit union, bank or through an online lender.
Credit unions are not-for-profit lenders that may offer their members more flexible loan terms and lower rates than other lenders, especially for borrowers with fair or bad credit (689 credit score or lower). The maximum APR charged at federal credit unions is 18%. You’ll need to become a member before you apply for a consolidation loan, but membership is typically quick and affordable.
Bank loans provide competitive APRs for good-credit borrowers, and benefits for existing bank customers may include larger loan amounts and rate discounts. If you have a good relationship with your bank, ask what their consolidation options are before committing to another lender.
Online lenders offer debt consolidation loans for borrowers across the credit spectrum, so they’re a good option if you can’t qualify through a credit union or bank. Most online lenders also let you pre-qualify without affecting your credit score, which is less common among banks and credit unions. Pre-qualifying gives you a preview of the rate, loan amount and term you may get once you formally apply.
Look for lenders that offer special features for debt consolidation. Some lenders, for example, will discount the rate on a debt consolidation loan or send the loan funds directly to your creditors, simplifying the process.
Use NerdWallet’s debt consolidation calculator to enter all of your debts in one place, see typical rates from lenders and calculate savings.
» COMPARE: Best credit card consolidation loans
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3. Tap your home equity for a loan or line of credit
Typically lower interest rates than personal loans.
May not require good credit to qualify.
Long repayment period keeps payments lower.
You need equity in your home to qualify, and a home appraisal is usually required.
Secured with your home, which you can lose if you default.
If you’re a homeowner, you may be able to take out a loan or line of credit on the equity in your home and use it to pay off your credit cards or other debts. This is an option for borrowers who can’t qualify for credit elsewhere.
A home equity loan is a lump-sum loan that you pay back with a fixed interest rate, meaning you’ll have predictable monthly payments and a clear finish line. However, these loans are less flexible than a line of credit, which works like a credit card with a variable interest rate.
A HELOC, or home equity line of credit, often requires interest-only payments during the draw period, which is usually the first 10 years. That means you’ll need to pay more than the minimum payment due to reduce the principal and make a dent in your overall debt during that time.
Since both of these types of credit are secured by your house, you’re likely to get a lower rate than what you would find on a personal loan or balance transfer credit card. However, you can also lose your home if you don’t keep up with payments.
4. Borrow from your 401(k)
Lower interest rates than unsecured loans.
No impact on your credit score.
Reduces your retirement fund.
Heavy penalty and fees if you can't repay.
If you lose or leave your job, you may have to quickly pay back your loan.
If you have an employer-sponsored retirement account like a 401(k) plan, you can typically borrow up to half the amount (with a $50,000 maximum), for a term up to five years, to help pay off your debts. These loans usually come with single-digit interest rates, so they’re much cheaper than credit cards, and any interest you pay goes back into your account. Another benefit is this loan won’t show up on your credit report, so there’s no impact on your score.
But taking out a 401(k) loan is very risky. Not only can it significantly impact your retirement savings, if you can’t repay, you’ll owe a hefty penalty plus taxes on the unpaid balance, and you may be left struggling with more debt.
Plus, if you lose your job or quit, the loan is automatically due on tax day of the next year.
Consider a 401(k) loan only after you’ve ruled out balance transfer cards and other types of loans.
5. Enter a debt management plan
Fixed monthly payments.
May cut your interest rate by half.
Doesn't hurt your credit score.
Startup fees and monthly fees are common.
It may take three to five years to repay your debt.
Debt management plans roll your credit card balances into one monthly payment at a reduced interest rate. You then pay it off over three to five years. These plans work best for those who are struggling to pay off credit card debt but don’t qualify for other options because of a low credit score.
Unlike other credit card consolidation options, opting into a debt management plan won’t hurt your credit score, and if you’re able to make payments on time, it should help.
But debt management plans typically come with fees, so you’ll want to verify the fee amounts and how they affect your overall payoff plan before making a commitment. Going through a nonprofit credit counseling agency is a good way to find an affordable debt management plan.
If your credit card debt is more than 40% of your income and can’t be repaid within five years, bankruptcy may be a better option than a debt management plan.
» MORE: Compare debt payoff strategies
What is credit card consolidation?
Credit card consolidation is when you use another credit product to pay off your credit card balances in one fell swoop. You’re then left with only one payment on your new debt.
For consolidation to make sense, the new debt should have a lower annual percentage rate than your credit cards, so you save money on interest. You can even apply that savings back to your debt, which will shorten the payoff period and get you out of debt faster.
How does credit card consolidation work?
Credit card consolidation works by using a different credit product to pay off your credit card balances at a lower interest rate. The logistics depend on which product you choose.
For example, if you go with a credit card consolidation loan, you’ll need to apply for the loan with a bank, credit union or online lender. Once approved, you’ll receive the money in your account, which you can use to pay off your credit cards.
If you have $10,000 in debt across four credit cards, you’d apply for a $10,000 loan then individually pay off each of the four cards (some lenders offer to pay off your cards for you). You’re then left with one fixed payment on the consolidation loan, which you make monthly, until the loan is paid off in full.
» MORE: How do consolidation loans work?
Is consolidating credit card debt a good idea?
Consolidating credit card debt is a good idea if you can qualify for a low enough interest rate and pay off the debt during the allotted time period, which will vary based on the consolidation product you choose.
You’ll also want to be certain you can keep your credit card balances at or near zero while you pay off the new debt. For example, if you take out a consolidation loan to pay off your credit cards, but then accumulate a balance on your credit cards again, you’ll be in a worse position than when you started.
Can I still use my credit card after debt consolidation?
If you consolidate your credit cards, you can still use them. Consolidating just means you’re paying them off, so your balances will be at zero, but the cards themselves will remain open unless you take the step of closing them.
Closing a credit card can hurt your credit score. Financial experts often suggest tieing a small recurring expense, like your monthly phone bill, to the card to keep it active. Avoid paying for nonessential expenses with your credit card, since this could delay getting out of debt.
Debt consolidation rolls multiple debts, like high-interest credit cards or loans, into a single payment.
The best way to consolidate credit card debt depends on how much debt you have, your credit score and what existing financial resources you can pull from, but popular options include balance transfer cards and consolidation loans.
A consolidation loan might be better than paying off credit cards on your own if you can qualify for a lower interest rate than the average rate on your cards. This would reduce interest costs, lower your monthly payment and potentially get you out of debt faster.
Consolidating debt affects your credit in a few ways. Your credit score may temporarily dip when a lender or card issuer does a hard credit inquiry. Making a late payment on your consolidation product can also hurt your credit. But if you pay on time and stay out of debt in the future, the overall effect could be positive.
rolls multiple debts, like high-interest credit cards or loans, into a single payment.
The best
way to consolidate credit card debt
depends on how much debt you have, your credit score and what existing financial resources you can pull from, but popular options include balance transfer cards and consolidation loans.
A
consolidation loan
might be better than paying off credit cards on your own if you can qualify for a lower interest rate than the average rate on your cards. This would reduce interest costs, lower your monthly payment and potentially get you out of debt faster.
Consolidating debt affects your credit
in a few ways. Your credit score may temporarily dip when a lender or card issuer does a hard credit inquiry. Making a late payment on your consolidation product can also hurt your credit. But if you pay on time and stay out of debt in the future, the overall effect could be positive.
on NerdWallet