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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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- 5. Apply for an employer identification number
- 4. Compare (and match) prices
- Mutual funds
- Lengthen the repayment term
- Opt for modest jewelry
- 2. Pay in local currency
- How to dispute errors on your credit report
- SALT deduction for property taxes
- Establishing domicile
- 2. Pool your points
- Reconsider overdraft protection
- Take shorter showers
- Bitcoin pros
- 5. A $50 hotel credit
- CD penalty
- Discretionary spending
- Fidelity is best for:
- Fidelity at a glance
- Other fuel cards to consider
- Step 5: Sign and date your W-4
- Annual whole life insurance rates for smokers
- Put contributions into a Roth
- Con: You’ll likely pay much more than you get
- 3. Swagbucks
- Step 3: Buy the gold ETF
- Customer acceptance
- How long will it take to pre-qualify?
- 6. Wallet software
- Allow up to 50% of your income for needs
- 3. Pentagon Federal Credit Union (PenFed) Rewards
- Forgiveness comes sooner
- If you are converting your 401(k) to an IRA
- Win a gig and get to work
- You want to transfer rewards to a domestic airline
- Dharma Merchant Services
- Reasons for unfreezing your credit
- 4. Personal trainers
- 1. LIFELOCK ULTIMATE PLUS
- 6. JetBlue TrueBlue
- Goodbudget
- 5. Teach others a skill
- Book travel via the AmEx portal or Expedia
- USDA guarantee fee
- Typical cost for a flagship family plan with unlimited data
- 2. More time means more growth
- Your homeowners insurance policy might help
- Stay on-site
- Do tipped workers earn the minimum wage?
- 4. Wellness coach
- Choosing corporate tax status for your LLC
- Homewood Suites by Hilton Orlando at Flamingo Crossings Town Center
- International travel with an adult
- 3. Prioritize your financial goals
- Boarding
- Avianca additional carry-on baggage fees on domestic flights
- Larger lenders that are mission-driven
- The gym’s hours
- 1. Making money
- MassHousing Mortgage
- 4. Repaint the front door
- Cover your purchases
- 1. Examine your revenue
- 6. Let your leasing company or lender know about your switch
- Do your research
- 5. Planet Fitness
- Points are worth more when you book travel through Chase
- An unsecured card backed by a co-signer
- 3. Banking on cryptocurrency
- Gas bill
- LifeLock pros
- 6. Elite loyalty benefits
- 3. Don’t use the money
- Zengo Wallet: 4.8 out of 5 stars
- 4. Select a provider to open your Roth IRA
- Personal loan calculator
- 5. Pre-qualify with a soft credit pull
- 2. Calculate the car loan amount you can afford
- Escape Lounges
- Open a high-yield savings account
- Benefits at Six Senses
- Costs
- Track your spending
- Example interest checking APYs at select institutions
- How to set up credit card notifications
- What factors affect the amount you can borrow
- Pros
- Share your rewards
- Upgradeability
- Workers’ compensation insurance
- Why it’s the best
- 3. What are my all-in costs?
- Find out if you can get your repossessed car back
- Pros of debt consolidation
- Earn cash (or pennies) back with rewards apps, in time
- Baggage allowance
- 2. Buy 10 times your income, plus $100,000 per child for college expenses
- 8. Use coupons
- 4. Up to $200 in annual credit for airline incidental fees
- Premiums
- Bank of America
- 4. Dollar-cost averaging
- Disputes over what you owe
- Award ticket refunds
- 4. Art
- 7. Podcasting
- 6. Lower risk
- 5. Confirm that your money is federally insured.
- 5. Business property rent
- Tap into equity
- 3. Reduce ATM usage
- 1. Do I need more distance from some savings?
- To review several cruise prices at once: CruiseDirect
- Use a discount real estate broker
- Replace your showerhead
- 4. Stay put until a replacement arrives
- Oportun
- Find a car loan
- 6. Combine points from multiple cards
- CDs at a bank vs. credit union
- 6. Home cleaning
- 3. The Platinum Card® from American Express
- Medical costs
- Capital gains vs. fixed income
- Passenger amenities
- Competitor practices
- 4. Pay your bill before your issuer reports to the credit bureaus
- Medi-Cal
- Home repairs
- Cheap car insurance after a speeding ticket
- 2. Browse hotels and filter results
- Zero-debt financing
- 5. You may be able to switch airlines
- 3. Bonds and bond index funds
- What is the standard deduction?
- Applying for an IRS payment plan by phone or mail
- Step 4: Buy the new policy before canceling the old
- 8. Create an airport-centric app
- 3. Farm Credit organizations
- Credit score for FHA loans
- Farm Service Agency
- Transfer points to travel partners
- FICO score ranges
- Family plans on a budget
- Delta premium economy luxury amenity kit
- Why should business owners obtain an EIN?
- And when you retire ...
- Decide how much effort you’re willing to devote
- Montgomery County Economic Development/Government Equity Grant
- Business insurance
- 3. Move the money
- If you’re willing to be loyal to a specific brand
- 5. Compare tax preparation fees
- Loyalty program
- Premiums
- Places with the highest median down payments (in dollars)
- Submit PSLF employment certification forms
- 5. Research first-time home buyer assistance programs
- Alternative ways to exercise
- Our pick for: No credit check at all
- Transfer your rewards
- Try quizzes, apps and spreadsheets
- Brokerage fee
- 6. Figure out logistics
- A student credit card
- 1. Cash dividends
- Apply natural makeup
- Spa and salon professionals
- It takes some work
- Topping off your earnings from flying
- Bitcoin cons
- Cathay Pacific credit cards
- 1. Compare DAF sponsoring organizations
- 2. Find your niche
- 2. States with flat income tax rates
- Cheapest full coverage car insurance in Texas for 20-year-olds
- 1. Find a dividend-paying stock
- Ask about additional insurance
- Seller concessions
- 4. Tackle high-interest debt
- Our pick for: Online purchases
- Huckleberry
- Navy Federal: Best for military members
- 3. Set up your life coaching business
- Can you fly with an expired passport to another country?
- Find ways to save
- Tips for unfreezing your credit
- 3. Don’t miss out on tax deductions for volunteering
- Cons
- If you’re above the Roth IRA limits
- 4. What are your qualifications?
- 2. Gather the necessary information
- 3. Investing can trump saving over the long term
- Use Universal Express Passes
- 5. French Leave Resort, Bahamas
- North America (domestic flights)
- 3. Use the DIME formula
- 9. Indulge in national food holidays
- Use storage facilities at an airport or a train station
- 5. Up to $200 in Uber cash for rides
- Why it’s the best
- High-yield account APYs compared to brick-and-mortar banks
- Financial planning beyond infancy: College and life insurance
- 5. Options
- 4. Index funds
- Pros of general partnership
- Service requirements
- Swagbucks
- Gas and EV charging stations
- Equity REITs
- 6. Orangetheory Fitness
- 5. Use shopping tools and apps
- $300 annual travel credit
- 2. Do I have savings earmarked for a big purchase?
- How to report fraud or identity theft
- Sell your home yourself
- SALT deduction for personal property taxes
- Cost (and quality) of living
- 5. Key Largo Bay Marriott Beach Resort, Key Largo, Florida
- Wash clothes in warm or cold water
- Other student loan calculators
- 4. Prepare to eat the cost of promotion
- Dun & Bradstreet business credit scores
- Types of CDs
- 7. IT and computer services
- EarnIn: No-credit-check cash advances
- Emergency expenses
- Use third-party tools
- 6. Apply with a hard credit pull
- 4. Consider flipping investment properties
- Aspire Lounge
- Moving costs
- Automate transfers from every paycheck
- 3. Confirm availability and book
- Experience level
- 4. Marriott Bonvoy Boundless® Credit Card
- You’re looking for a lower annual fee
- Superior rewards-earnings
- 9. Become a destination wedding planner
- VA funding fee
- Drive for Uber or Lyft
- Our pick for: Rewards on rent payments
- Seats
- Be honest about item condition
- How to quickly earn Hilton points for Disney stays
- 4. Choose the best retirement plan for you
- Copays, coinsurance and deductibles
- Places with the lowest median down payments (in dollars)
- Lenders with ethical credentials
- 5. Index investing
- 3. Relax in a lounge
- 4. Check out dividend-paying stocks
- About the Miles & More frequent flyer program
- 8. IT consulting
- 3. American Airlines
- Brunch at the Wrigley Mansion
- 2. Subtract fixed costs
- Tax credits for people with kids
- Home Purchase Assistance Program (HPAP)
- Costs and fees to keep in mind
- 6. Auto expenses
- Get rid of FHA mortgage insurance
- An alternative credit card
- 2. Stock dividends
- Choose a simple hairstyle
- More than about 4 hours
- 4. Not reporting income from an all-cash business or illegal activities
- Limited transfer partners
- 3. Get a companion pass
- Choose the right bank account
- Gift tax exclusion
- LifeLock cons
- 7. Transfer points to airline and hotel partners
- 3. States with progressive tax structures
- Google Maps
- Find preapproved auto loans
- Leave 30% of your income for wants
- Investment strategy
- How do I access a HELOC?
- For dining/grocery/entertainment rewards, no annual fee
- Step 5: Leave the rest up to your servicer
- 5. Newborn and post-pregnancy services
- How can I qualify to borrow more?
- 4. Consider extra coverage
- Friend and family loans
- United Airlines MileagePlus
- If you want to stash a lot of money away every year
- GET MORE MILES, MORE BENEFITS WITH A DELTA CARD
- State Farm® Business Cash Rewards Visa Signature® Card
- Price
- Professional liability insurance
- VantageScore ranges
- Other perks of Delta premium economy
- Chase Sapphire Preferred® Card
- Compare manual and digital budgeting options
- 3. Tap your home equity for a loan or line of credit
- Should you invest in retail stocks in 2023?
- Marketing and advertising
- 5. Nurse blogger
- Among investment apps: Acorns
- 6. Up to $200 in annual hotel credit
- Air Canada preferred seat cost
- FICO score ranges
- Copays, coinsurance and deductibles
- 4. Sponsored content
- Arbitration between providers and insurers
- 6. Futures
- 5. Update the house numbers
- 7. Built-in customer base
- Cons of general partnership
- Credit score for VA refinance
- 3. Learn to use market orders and limit orders
- Estimate your potential refinance savings
- Choose different materials
- Mortgage REITs
- 6. Buy online, pick up in store
- 3. Do I want to protect some wealth outside of investments?
- How much would refinancing save you?
- Reasons to choose recourse factoring
- Application and underwriting process
- Adjust the temperature on your water heater
- Emirates economy class checked baggage policy
- 2. Contribute cash or other assets to the donor-advised fund
- 4. Fiverr
- Hot wallet
- Save windfalls
- IHG Ambassador benefits at all the other IHG brands
- 2. Pick which options to buy or sell
- Unpaid interest is cancelled
- Geico
- Traveling with expired passport rules during COVID
- What does 'itemize' mean?
- 10. Make local guides
- Revocable life insurance trusts
- 4. Keep the deadline in mind
- 3. Land a brand deal and make sponsored content
- 3. Make sure they’re a good fit
- 5. How will our relationship work?
- Cons of debt consolidation
- 4. The tax advantages are prime for kids
- If your car isn’t recovered
- Write a clear and detailed description
- 10. Sign up for a free trial
- Apply for aid
- International travel as an unaccompanied minor
- 6. Reconsider tax preparers who don't e-file
- Mastercard World Elite benefits
- Switch to an income-driven repayment plan
- Avianca additional carry-on baggage fees on flights from North America
- Your motivation
- 3. Open a brokerage account
- Purchase and Renovation Loan
- Within 24 hours
- Winner of the sky: Delta
- 9. Catering
- Andover Companies: Best coverage
- 7. Primrose Schools
- Index funds
- Switch from an adjustable- to a fixed-rate loan
- A secured credit card
- 3. Dividend reinvestment programs (DRIPs)
- 4. Choose a bank that doesn’t charge foreign ATM fees
- Estate tax exclusion
- 5. Check your travel protection benefits
- Sesame Cash
- 8. Pet store, grooming and boarding
- Split between a traditional and Roth IRA to defer taxes
- Lufthansa Lounges
- 5. Monitor your total credit utilization
- 4. Take surveys for money
- 2. Evaluate the stock
- 5. Plan for retirement
- 4. Barclays rewards
- What I wish I'd done differently
- Banks
- You want to redeem points for travel directly
- How much does a HELOC cost?
- CardX
- 4. Real estate investment trusts (REITs)
- 2. IDSHIELD
- Singapore Airlines KrisFlyer
- 6. Find local gigs through Nextdoor
- Use points to upgrade your seat
- ARM caps
- 4. Understand mutual fund fees
- 1099-A
- What can business owners use ITINs for?
- 3. Submit your application and wait
- Grants.gov
- Food and onboard service
- 4. Replace your income, plus add a cushion
- Look for other storage solutions near you
- 7. Up to $300 Equinox credit
- VantageScore ranges
- Destinations
- 6. Compare mortgage rates and fees
- You don't want to risk sold-out cars
- Sign up for Amazon Associates
- Money regrets
- 7. Forex
- 8. Be your own boss
- Reduce the size
- 7. Rent and depreciation on equipment and machinery
- 7. Get rewards
- Lounge access and other top-tier benefits
- Reasons to choose non-recourse factoring
- How to freeze your credit
- SALT tax deduction 2023
- 6. Residence Inn St. Petersburg Treasure Island, St. Petersburg, Florida
- Purchase energy-efficient appliances
- Equifax business credit scores
- 8. Worldwide acceptance
- 4. Alert authorities to fraud
- Guarda: 4.6 out of 5 stars
- 3. Itemize on your taxes to get the tax break
- Choose the amount of coverage you need
- Cheapest minimum coverage car insurance in Texas for 20-year-olds
- 7. Make on-time payments to build credit
- 3. Set a target purchase price
- 1. Buy on your own terms
- 1. You avoid having the IRS do it for you.
- Cheap auto insurance after an accident
- Location
- Use designated accounts for spending and savings
- 6. Check your credit card for trip delay insurance
- Do you like staying at Choice properties?
- Step 4: Choose the right truck
- When are taxes due in October?
- 3. Tap TikTok’s ‘Creativity Program Beta’
- 4. Farm Plus Financial
- 5. Get a quote
- Your money management style
- Why it’s the best
- 2. Promote your business
- Where to get preapproved for a car loan
- 6. St. Regis Bahia Beach Resort, Puerto Rico
- 7. Confirm they'll sign on the dotted line
- 4. Decide how much to invest in Netflix
- 4. Get exercise by walking around the airport
- 5. Explore new industries
- 10. Social media management
- Share your rewards
- Walt Disney World
- Review your finances and set goals
- Stock trading fee
- 4. Practice with a paper trading account
- Hybrid REITs
- 4. Special dividends
- Key terms in this story
- Travel assistants
- Earning at least a 2% return
- 4. Pledge loyalty to a single airline
- HSAs and FSAs
- 5. Price yourself in line with the market, if not a little lower
- Winner: Singapore Airlines
- 5. Gather your paperwork
- Inverse performance
- What is the Global Entry interview like?
- The right savings rate
- Best insurance company for affordability: NJM
- 11. Create a local grocery delivery service
- 6. Enrichment activities for children
- Emirates Skywards
- Debt-to-income ratio
- Cybersecurity liability insurance
- 4. Review their fees
- 7. Freelance
- Cover your card charges
- 6. What's your investment philosophy?
- 1099-B
- Check out state income tax rates
- 5. The money can be used for more than retirement
- Program for Investors in Microentrepreneurs
- Central America
- Our pick for: Everyday spending
- 6. Freelance writer or editor
- Include a few high-quality photos
- Buying a put vs. shorting example
- 11. Enter sweepstakes
- Holiday Inn Club Vacations at Orange Lake Resort
- 8. $300 SoulCycle credit
- 1. Have a goal for your index funds
- Why it’s the best
- 2. Find the right location for your vending machine
- Partner airlines
- Foundations and donors
- 6. Growth investing
- After 24 hours
- 8. NFTs
- How to get the best deal for a Lufthansa economy award flight
- 6. Clean or replace porch lights
- 5. Exchange-traded funds (ETFs)
- 4. Delta Air Lines
- 3. Subtract variable expenses
- Debt-to-income requirements
- Home improvement stores
- Expand your product lines and service
- Add things later
- Cash or cash-like redemptions
- 8. Kiddie Academy
- 8. Score free stuff
- Pay the security deposit upfront in cash
- Opening multiple cards can harm your credit
- Post-funding process
- Alaska
- Ask about discounted rates
- What is a trip element and how do they add up?
- 9. Salon or barbershop
- 4. Chase Sapphire Reserve®
- Retail arbitrage
- Examine riders
- Carfax Car Care
- Loyalty program earnings
- Plaza Premium Airport Lounges
- 3. Decide how much stock you want to buy
- Cold wallet
- Home warranty
- 2. You can pay your tax bill in installments.
- Compare car insurance rates for 35-year-olds
- Commit 20% of your income to savings and debt paydown
- 5. Southwest Rapid Rewards® Plus Credit Card
- Make a plan to pay off debt
- Chase Ultimate Rewards®
- Book one to three months in advance
- Irrevocable life insurance trusts (ILITs)
- Accion Opportunity Fund
- Bonus features
- How to get an ITIN
- Escape Lounge
- If your car is found
- 1. How long you have to rollover a 401(k): The 60-day rule
- Debt management plan
- 8. Check if they would have your back
- Add meatless Monday to your calendar
- Leverage elite status
- Trial periods
- Our pick for: Beginner-friendly features
- Dinner at Renata’s Hearth
- Mortgage Credit Certificate (MCC)
- 8. Office supplies
- 5. Preferred dividends
- Negotiate deals
- Overnight layovers
- For budget-friendly options: Priceline
- Why is there a SALT cap?
- What if you can’t pay your bills?
- Make Money
- Singapore Airlines loyalty program
- Acorns is best for:
- Acorns at a glance
- 3. Understand your market
- 5. Rent out a room
- 3. Learn the difference between investing in stocks and funds
- What do I need for my loan application?
- In network
- 3. Enloop
- 2. Compare prices
- Buy it
- 6. Optimize your finances with tax planning
- Level of involvement
- You can use credit card benefits to travel in basic economy
- SBA lenders
- Are there Choice properties where you travel?
- 12. Start a virtual event planning company
- 4. Sell some merch
- British Airways Executive Club
- Fare flexibility/ticket changes
- Review booking terms
- Shop with points via the American Express site
- Apply for TRIP
- Learn about free filing options
- Opt for the single-rider line
- America’s Seed Fund
- Crowne Plaza Orlando - Lake Buena Vista
- Book a sightseeing tour
- 9. Up to $240 in digital entertainment credit
- Airfare cost
- Online lenders
- You might be able to reserve a car now — and rebook the same one later at a discount
- The key to making money from blogging
- How much does it cost?
- 9. Peer-to-peer (P2P) lenders
- Universal life vs. whole life insurance rates for men
- 11. Business planning service
- Gift cards
- On-platform storage: Easy to use, with some risks
- Make it movable
- Publicly-traded REITs
- 9. Leave items in your cart
- Custodial wallet
- 5. Use a bank that reimburses ATM fees
- How to request a copy of your credit report
- 5. Split the family into different itineraries
- 7. JW Marriott Marco Island Beach Resort, Marco Island, Florida
- Earned Income tax credit
- MoCaFi
- Experian business credit scores
- 9. Coverage if your trip is canceled or delayed
- Exodus: 4.5 out of 5 stars
- Afterpay: No-credit-check buy now, pay later loans
- How to maximize your rewards
- 2023 tax rates by state
- Find the most cost-effective processor for your business
- Medicare
- 3. The government might owe you money.
- After you're approved for Global Entry
- Demographics
- 5. American Express Membership Rewards
- Account linking
- 8. Tutor your peers
- 1099-C
- U.S. Bank Altitude™ Reserve Visa Infinite® Card
- Why should business owners obtain an ITIN?
- What you need to get preapproved for a car loan
- 7. La Concha Renaissance San Juan Resort, Puerto Rico
- 2. Taxes are withheld
- Bankruptcy
- Travel
- Compare award letters
- 2. Research index funds
- Ways to build credit
- Low-down-payment mortgages
- 7. Gather your loan paperwork
- Operation Welcome Home
- Disneyland
- Pros of limited partnership
- Other VA refinance requirements
- 5. Measure your returns against a fitting benchmark
- Public transit
- 9. Kumon Math and Reading Centers
- Exchange-traded funds
- 6. Dividend funds
- Purchasing a Plumeria Lounge day pass
- It takes discipline
- Spending on other Chase cards
- Fees and collateral
- Florida
- 10. Gas station
- 4. Help your donation grow
- Look at the rate of return on cash value
- Cheapest auto insurance in Texas for 20-year-olds with poor credit
- 5. Upwork
- International American Express Lounges
- Out of network
- 5. Make money from your blog with affiliate links
- Home staging
- 3. Have funds ready
- Use credit card perks, maybe
- Thimble
- Best cities for first-time homebuyers by region
- The magic of compound growth
- Example CD APYs at select institutions
- For everyday spending
- 5. Money market funds
- 7. Mobile apps and entertainment for children
- Iberia Plus
- Mini CD ladder
- Baggage and boarding
- Commercial auto insurance
- Use points toward online purchases elsewhere
- 7. What asset allocation will you use?
- If the car is sold, ask if you still owe money
- 4. Borrow from your 401(k)
- Find tax software that works for your situation
- WomensNet Grants
- South America
- 7. Hospice caregiver
- How to earn IHG points quickly for Disney stays
- 10. $189 Clear credit
- 7. Value investing
- 2. Managing money
- Deliver packages with Amazon Flex
- 10. Venture capital
- Universal life vs. whole life insurance rates for women
- 12. Tax consulting
- Shop with rewards
- Increase your marketing efforts
- 9. Office furniture
- 1. Think long term versus short term
- 10. Sign up for the mailing list
- Place a debit card hold
- Compare offers
- Eureka
- 10. Baggage delay insurance
- 6. Pick your investments
- 4. You can avoid problems getting a loan.
- Online lenders
- Develop good credit habits
- Chase IHG
- National Processing
- Can you earn Choice points with credit card spending?
- 13. Sell zero-waste products
- 3. IDENTITYFORCE ULTRASECURE+CREDIT
- Payday alternative loans
- Down payments and gift funds
- Resident status rules
- Calculate all travel costs
- 1099-CAP
- Book round-trip flights
- Debt settlement
- Government bonds
- For crypto: Crypto.com
- Spend the day being productive
- Consider how much you’ll need to borrow
- 5. Select your retirement investments
- TrueBlue value
- Make 10 years' worth of payments
- 5. Binge-watch your favorite shows and movies
- 1. 'I’ll wait until the stock market is safe to invest.'
- Know what’s inside
- 6. Investment apps
- 1. Restricting regulations
- Cons of limited partnership
- 5. Southwest Airlines
- 4. Set aside a contingency fund for unexpected costs
- Public non-traded REITs
- 6. Book hotel suites
- 8. JW Marriott Santa Monica Le Merigot, Santa Monica, California
- Cathay Pacific loyalty program
- 11. Grocery store
- How to maximize your rewards
- Fleet expense management tools
- Taxes
- Number of stops
- Resident status rules
- Appraisal fee
- Cheapest car insurance after a DUI
- 3. Predict the option strike price
- 6. United℠ Explorer Card
- Watch the calendar
- 4. Use gifting
- 5. Offer memberships
- Uneven splits
- Security
- NFIP
- 5. Do a final check
- 9. Take surveys
- Redeem for gift cards
- How to get an extension
- Our pick for: Opt-in text redemptions
- Use miles to save cash
- Average annual car insurance costs from large companies
- Ship items on time and be nice
- 11. Reimbursement of application fees for TSA Precheck or Global Entry
- Consider paying with miles
- Take on tasks with Amazon’s Mechanical Turk
- Cash back
- Mutual fund transaction fee
- Noncustodial wallets: More effort, more security
- 10. Ace Hardware
- 2. Look into tax-loss harvesting
- 11. Use referral programs
- 6. Use your debit card to get cash back at a store
- What if you’re unsure whether you’re supposed to tip?
- Nevada
- Switch to LED lighting
- 6. Always keep the food and conversation going
- 11. Rental car coverage
- Coinbase Wallet: 4.4 out of 5 stars
- Free night when redeeming points
- 1. Automate transfers
- Portion of buyer’s closing costs
- 5. Safeguard your Social Security.
- What happens if you are declined?
- 7. Invest to build your future goals
- 6. Capital One Rewards
- What I wish I'd done differently
- Perks await when you fly economy with elite status
- 4. Create your digital footprint as a life coach
- Step 5: Secure startup funding
- Set a price alert
- 14. Make products for pets
- 5. National Funding
- 8. Shared accessories and attire
- Seat selection
- 5. Manage your mutual fund portfolio
- 1099-DIV
- 8. St. Kitts Marriott Resort & The Royal Beach Casino, St. Kitts
- Kitty Fund Mompreneur Business Grant
- Consider wholesale clubs for bulk items
- Down payment assistance programs
- 8. Get a preapproval letter
- Other meals
- Chubb: Best for high-value homes
- 6. Keep your perspective
- Tax credits for low-to-middle-income households
- 10. Software subscription
- Look at nonchain hotels
- Consider car make and model
- Dave
- InboxDollars Surveys
- Dropshipping
- 5. Pick charities to support
- Medi-Cal
- Discount points
- Credit unions
- Set cash aside
- Chase Marriott
- A few other fee-related details to note
- Cabin options may be limited
- 3. Sell your castoffs
- Donate to charity
- ITIN vs. SSN
- Avoid traveling to certain countries
- Bring a snack (just in case)
- Europe
- 8. Childbirth education or doula
- 12. Up to $100 in statement credits annually at Saks Fifth Avenue
- 3. Pick your index funds
- Checked bags for elite members
- 2. 'I’ll buy back in next week when it’s lower.'
- Find your niche
- Our pick for: Fixed monthly payments
- 13. PR agency
- 5. Determine your profit
- Open a new location for your business
- 12. Write a review
- Dividend per share (DPS)
- New Hampshire
- Install dimmer switches
- 12. Travel assistance
- 5. Citi Premier® Card
- How to have more taxes taken out of your paycheck
- Be aware of surrender charges
- Cheapest auto insurance in Texas for 20-year-old drivers with one speeding ticket
- 6. Sell your wares on Etsy
- Invest in your financial future
- Rebook if you find a cheaper price
- 15. Create custom clothing
- How quickly could the IRS implement the child tax credit expansion?
- Earning rates
- LiftFund
- Customer support
- Commercial umbrella insurance
- 10. Search for regular jobs for kids
- Visit during the low season
- Military Entrepreneur Challenge
- Hyatt Regency Grand Cypress
- Safety ratings
- Get a referral
- 8. Income investing
- Workforce Advantage Mortgage
- Don't just forget about it
- Winner for its variety of credit cards: Delta
- Private REITs
- Shopping
- 11. Snap-On Tools
- Stocks
- 3. Hold the shares inside an IRA, a 401(k) or other tax-advantaged account
- Consider vacation rentals
- Options
- What if you can’t afford to tip?
- For booking travel experiences beyond the cruise: TripAdvisor
- 9. Pier South Resort, Autograph Collection, San Diego
- What benefits are available with One Key Rewards elite status?
- 12. Drugstore
- Credit unions
- Cost
- Prudence's policy:
- Appendix: How the math works in our examples
- 8. Grow your financial well-being
- Our pick for: Cell phone and internet bill payments
- 5. Decide how you’ll work with clients
- Example money market account APYs at select institutions
- 6. High-yield savings accounts
- FHA appraisal
- Part-year resident status rules
- 8. What investment benchmarks do you use?
- 1099-G
- Citi Prestige® Card
- EIN vs. SSN
- Invest in noise-canceling headphones
- Our pick for: Flat-rate travel rewards
- 13. Walmart+ Monthly Membership Credit
- AM Best Financial Strength Rating: A (Excellent)
- Upgrading to Main Plus
- Describe your products and services clearly
- Hire new employees
- 11. Advertising and marketing
- 13. Dispute charges
- Dividend yield
- 7. Use a travel credit card instead
- Use smart power strips
- Google Opinion Rewards
- 13. Purchase protections
- Crypto.com is best for:
- Crypto.com at a glance
- 2. Count your coins and bills
- 6. OfferUp
- Part-year resident status rules
- Escrow account funds
- 4. Determine the option time frame
- 7. Delta SkyMiles® Gold American Express Card
- 7. Citi ThankYou Points
- Consider using a retirement account
- Citi ThankYou Points
- For seasonal spending
- Best insurance company for accident forgiveness: Geico
- 401(k) hardship withdrawals
- Upgradeability
- Priority Pass discount: Kafe Kalik
- 9. Courtyard by Marriott Aruba Resort, Aruba
- Can you pay estimated taxes at any time?
- Apply for PSLF forgiveness
- Piggyback on someone else’s membership
- 3. 'I’m bored of this stock, so I’m selling.'
- 14. Professional organizing
- 2. Initial cost
- 6. United Airlines
- 6. Finalize your business budget
- South Dakota
- Trust Wallet: 4.3 out of 5 stars
- Benefits
- How to have less taxes taken out of your paycheck
- Use companion tickets for flights
- Understand the different approval processes
- The risks and rewards of each
- Classes of service
- 4. Set a budget for your stock market investment
- Scenario: Doctor visits and an MRI
- Grant programs
- 16. Sell vintage clothing online
- 4. ID WATCHDOG PREMIUM
- Extras may be limited
- User experience
- Private flood insurance
- 4. Earn badges through Live videos
- 1099-INT
- EIN vs. ITIN
- 5. Enter a debt management plan
- Consider a light blanket
- Reliability
- 9. Choose a real estate agent carefully
- Offer great customer service
- Pros of C corporation
- Expense ratios
- 1. Lower risk by building positions slowly
- 12. Pillar to Post Home Inspectors
- Bonds
- 4. Call in a pro
- M1
- Use the Best Fare Finder and pay in cash
- 14. Customer service without the wait
- Winner: Tie
- 13. Antique or thrift store
- Cheapest auto insurance for poor credit
- Best cities for first-time homebuyers
- Tax-efficient strategies
- Be flexible with destination, airport and dates
- 5. Sell with TikTok Shop
- 9. Shared home improvement equipment
- Key person insurance
- 9. Fitness nurse
- Hyatt Place Orlando/Lake Buena Vista
- Estimate loan payments
- 4. Decide where to buy your index funds
- J.D. Power Ranking
- Use employee benefits
- 9. Socially responsible investing
- 15. Photography
- 12. Business entertainment
- Tennessee
- Swagbucks
- Drawbacks
- 3. Prep for grocery shopping
- Print-on-demand services
- 4. Register your clothing business
- Past years' state tax rates
- Cheapest auto insurance in Texas for 20-year-old drivers with one at-fault crash
- Online lenders
- 7. Self-publish an e-book
- 4. Bizplan
- Flood determination and monitoring fees
- 9. Estate planning: Protect your financial well-being
- CoverWallet
- What I wish I'd done differently
- 17. Begin niche blogging
- Nonresident status rules
- Reviews
- 9. Who is your custodian?
- Ohio Small Business Development Centers (SBDC)
- Africa
- Corporate bonds
- What happens if I forget to pay my quarterly taxes?
- 14. Access to the American Express Global Lounge Collection at airports
- Where is the best place to exchange currency?
- 3. Find your vending machine
- Be reactive and flexible
- 3. Ongoing investment
- Cons of C corporation
- Tax credits for investing in retirement
- Invest in technology
- Call and ask
- 10. Sheraton Princess Kaiulani, Honolulu
- Singapore Airlines
- 14. Fitness studio or gym
- 6. Capital One SavorOne Cash Rewards Credit Card
- How to use a W-4 to owe nothing on a tax return
- Passenger amenities
- Nonresident status rules
- 8. Bank of America® rewards
- SAVE benefits available by October 2023
- 7. CDs
- Ascendus
- 1099-K
- How much is auto insurance after an at-fault accident?
- For overall similarity: Webull
- How to earn Hyatt points quickly for Disney stays
- 10. Narrow down your ideal type of house and neighborhood
- Look for offers
- Down Payment Assistance
- Our pick for: An upgrade path
- 2. Ignore 'hot tips'
- 13. Keller Williams
- Mutual funds
- Dividend payout ratio
- What if you’re unhappy with the service?
- Texas
- MetaMask: 4.0 out of 5 stars
- Government recording fees
- 6. Price your services
- Online financing platforms
- Citi American Airlines
- Mortgage insurance
- Amex EveryDay® Credit Card
- Our pick for: A quicker welcome bonus
- SCORE
- Middle East
- 10. Medical product sales
- 15. Centurion Lounge Complimentary Guest Access
- How do I find a currency exchange near me?
- Customer satisfaction
- 16. Event space
- 13. Travel expenses
- To match with a vacation planner: Avoya Travel
- Stash
- Book Emirates economy fares on points
- How to maximize your rewards
- Bonus points for travel purchases
- 7. Poshmark
- Scenario: Trip to the ER
- SAVE benefit starting in February 2024
- Save
- State Farm vs. Allstate home insurance
- 18. Become an e-book writer
- Understand your financing needs
- Directors and officers insurance
- 11. Monetize your social media accounts
- 5. Build a community
- 10. What tax hit do I face if I invest with you?
- How can I make paying quarterly taxes easier?
- 4. Potential for conflict
- Country Financial: Best for using an agent
- Cathay Pacific
- 15. Tutoring business
- Soft vs. hard credit inquiry
- How to maximize your rewards
- Compare whole life insurance quotes
- Loan-origination charges
- An example of buying a call
- Pros
- Property-based passive income ideas
- 6. Monetize using the Series feature
- 10. Vacation rentals
- Home equity loans and lines of credit
- Capital One Venture X Rewards Credit Card
- Minority Business Assistance Centers
- Asia
- 5. Buy index funds
- Where can you exchange currency for free?
- Ask about special discounts
- Your goals and time horizon
- 17. Interior decorating
- Citi Double Cash® Card
- 14. FastSigns
- Exchange-traded funds
- Washington
- Cheapest auto insurance in Texas for 20-year-old drivers after a DUI
- 5. Focus on investing for the long-term
- 8. Get advertising revenue from your blog or YouTube channel
- 8. The Platinum Card® from American Express
- SAVE benefits available by July 2024
- State Farm vs. USAA home insurance
- 12. Get paid to stream on Twitch
- 1099-LTC
- 16. Upgrade to Marriott Bonvoy Gold Elite status
- Long-term goals vs. short-term goals
- 3. Keep good records for the IRS
- Tax credits for education
- 14. Interest
- 16. Ice cream shop
- 4. Minimize restaurant spending
- Check the insurer’s financial strength
- Payday lenders
- Mortgage insurance or fees for government-backed loans
- Cons
- For general travel
- 19. Start ghostwriting
- Evaluate typical farm loan requirements
- Our pick for: Customizable bonus categories
- 11. Telehealth consulting
- Selling a put example
- 3. Building a budget
- Risk tolerance and diversification
- 18. Woodworking or furniture building
- 5. Lack of financial privacy
- Pros of S corporation
- Sales load
- Acorns
- Electrum: 2.5 out of 5 stars
- Webull is best for
- Webull at a glance
- Compare flexible points options
- Compare car insurance rates for drivers with a DUI
- Complete financial plan and investment advice
- An example of buying a put
- 7. Invest in continuing education
- 1. Decide what type of investor you are.
- Invest
- 8. Buy a rental property
- Best insurance company for having few customer complaints: American Family
- 11. Electronics repair
- 1099-MISC
- Confirm the grant is available
- Oceania
- 17. Upgrade to Hilton Honors Gold status
- Gifting large sums of money to family
- 15. Merry Maids
- Wyoming
- 17. Dry cleaner
- No-credit-check loan example
- 5. Design and source the clothes for your line
- 20. Become a resume writer
- Justine Petersen
- American Express® Green Card
- Pay off debt
- 6. Keep an eye on your index funds
- 4. Explore your financing options
- 11. Stick to your budget
- Our pick for: No security deposit, low annual fee
- Cons of S corporation
- 15. Bad debt
- Don’t forget the fifth-freedom flights
- Winner: Singapore Airlines
- Wholesaling
- High-interest installment lenders
- Loyalty program earnings
- Pest inspection
- Lean FIRE
- Put money in a 401(k)
- State Farm vs. Progressive home insurance
- 7. Collect tips from viewers
- Research and compare lenders
- California earned income tax credit (CalEITC)
- Be aware of key dates
- 18. Money-saving perks for stays booked through The Hotel Collection
- 19. Graphic design
- 18. Bookstore
- 5. Get discounts on entertainment
- Research the insurer’s reputation for customer service
- 6. Manage your stock portfolio
- California earned income tax credit (CalEITC)
- Cheapest car insurance for young drivers
- Specialized guidance and/or want to meet with an advisor face-to-face
- 1. Figure out what policies you need
- 9. Rent out your own house
- 21. Open a coworking space
- Home purchase: Basic Home Mortgage 203(b)
- 1099-NEC
- Our pick for: Discounts at checkout
- 12. Education specialist or course creator
- Paying for vacations, cars or other stuff
- Low-risk vs. high-risk investing strategy
- 1. Access to capital
- Citi Rewards+® Card
- To book a vacation package with an airline or hotel
- Albert
- Singapore Airlines
- 9. Become an Instagram influencer
- Prepaid expenses
- Our pick for: Maximized value
- 9. Capital One Venture Rewards Credit Card
- Pay off debt
- California young child tax credit (YCTC)
- Avoid taking on more debt
- Review eligibility requirements
- 19. Complimentary benefits through Fine Hotels & Resorts
- 20. Clothing boutique
- 19. Bed and breakfast
- 1. Has the W-4 form changed?
- Cheapest full coverage car insurance in Texas for 30-year-olds
- 5. PlanGuru
- California young child tax credit (YCTC)
- Fat FIRE
- Cash advance apps
- FHA refinance loans
- Capital One Venture Rewards Credit Card
- Average car insurance costs after a speeding ticket
- Giving a laid-back loan
- 4. Saving money
- Bring the kids
- 6. Map out major purchases
- Portfolio management only
- 10. Get a roommate
- Put money in an IRA
- 1. There’s a major shortage of drivers
- 22. Become an online coach
- Gather your documentation and apply
- 12. Academics courses
- California child and dependent care tax credit
- 1099-OID
- Wait to apply
- 12. Make the most of walk-throughs and open houses
- Do-it-yourself vs. hiring professional help
- 21. Bed and breakfast
- 2. Efficient growth
- Tax credits for green purchases
- 16. Taxes
- Cathay Pacific
- 20. Floral shop
- California child and dependent care tax credit
- Tax monitoring and research fees
- 2. Get a quote
- Barista FIRE
- American Express® Gold Card
- Consider funding alternatives
- 13. Medical billing and coding contractor
- Setting up joint bank accounts
- Pros of LLC
- Management or advisory fees
- How to maximize your rewards
- 2. What does it mean to be exempt from taxes?
- Direct sourcing
- 2. Choose how much you want to invest.
- Repeat
- For Hilton lovers
- Alternative investment passive income ideas
- 2. There’s a need for innovation in the industry
- 23. Flip failing websites
- Find your niche
- California adoption cost tax credit
- 1099-PATR
- 20. Free shipping with ShopRunner
- Our pick for: No security deposit, low annual fee, potentially high credit limit
- 22. Food truck
- NJM: Best small regional insurer
- Monzo
- In-flight entertainment
- 21. Gardening and landscaping
- 10. Monetize your Twitch channel
- California adoption cost tax credit
- Title-related costs
- FHA renovation loans
- Kiva U.S.
- Our pick for: Bank of America® customers
- 3. Minimal employee supervision
- Cons of LLC
- Citi Custom Cash® Card
- Ledger: 5.0 out of 5 stars
- 7. Restrict online shopping
- Cheapest minimum coverage car insurance in Texas for 30-year-olds
- Cheapest auto insurance for senior drivers
- 10. Hilton Honors American Express Aspire Card
- 3. It's recession-proof
- Best insurance company for financial strength: Auto-Owners
- 24. Become a web developer
- 13. Language courses
- California nonrefundable renters tax credit
- 1099-Q
- 21. Concierge service
- 17. Employee salaries
- California nonrefundable renters tax credit
- 3. Compare your options
- 3. Gather your paperwork.
- 11. Peer-to-peer lending
- Other specialty FHA loans
- Average car insurance costs after a DUI
- 14. Career coach
- 13. Don’t skip the home inspections
- 23. Restaurant or cafe
- 22. Nail salon and spa
- 4. It’s easy to start small (and scale)
- 25. Start a podcast
- Buy now, pay later
- 1099-R
- Our pick for: Existing cardholders
- 22. Low fares through the International Airline Program
- 5. Stock your vending machine with inventory
- Pros
- 4. Increased brand awareness
- 3. When should I review my W-4?
- Open a 529 account
- The Platinum Card® from American Express
- 24. Craft brewery
- Citi Rewards+℠ Student Card
- 18. Employee benefits programs
- Greenlight
- No free Wi-Fi
- 23. Photography
- Trezor: 4 out of 5 stars
- 8. Delay purchases with the 30-day rule
- 6. Partner with a manufacturer
- Dividends and preferred stock
- 26. Be a social media influencer
- Be authentic
- 1099-S
- American Express® Gold Card
- 23. Savings with the Cruise Privileges Program
- 5. Reduced risk
- Private labeling or white labeling
- Cheapest auto insurance in Texas for 30-year-olds with poor credit
- 11. Sell your photography
- Compare auto insurance rates for drivers with poor credit
- 4. Buy your policy
- 4. Pick your investments.
- For Amazon and Whole Foods devotees
- 12. Private equity
- 14. Business or marketing courses
- Pros
- 15. Child care provider
- 14. Negotiate with the seller
- Our pick for: Average credit and rewards
- 401(k) fees
- 24. Clothing boutique
- 4. Can I adjust my W-4 multiple times throughout the year?
- Real estate agent commissions
- 24. Car Rental Privileges
- Cons
- 25. Ice cream shop
- Business entity summary
- 19. Employee gifts
- Skin care
- 9. Get creative with gifts
- Selling bonds
- Fund your flexible spending account (FSA)
- 27. Create online courses
- Grameen America
- 1099-SA
- 6. Make the right investments
- 25. Daycare
- SafePal: 3.8 out of 5 stars
- Property and transfer taxes
- Our pick for: Prime gaming
- Serve your audience and set small goals
- Our pick for: Paying rent
- 25. Deals through the Amex Auto Purchasing Program
- 26. Personal chef
- USAA: Best for military and veterans
- Citi Premier® Card
- Step
- Online loans
- 28. Become a marketing consultant
- 15. Personal wellness
- American Express® Business Gold Card
- Cons
- 15. Buy adequate home insurance
- 1. Loss of complete brand control
- 20. Contracted labor
- 26. Brewery or winery
- Cheapest auto insurance in Texas for 30-year-old drivers with one speeding ticket
- Title insurance
- 13. Crypto staking
- Use dependent care flexible spending accounts (DCFSAs)
- Best insurance company for discounts: Amica
- 26. An extra point when booking Platinum Destinations Vacations
- 27. Landscape services
- 10. Lower your car costs
- Use multiple strategies
- Capital One Savor Cash Rewards Credit Card*
- Assess your skills
- 27. Hardware store
- Methodology
- Co-signed or joint loans
- Apple Cash: digital card
- 29. Develop an app
- 27. Additional value through the InCircle rewards program
- Our pick for: Average credit and no annual fee
- 28. Pet grooming
- 2. Increased potential for legal disputes
- 21. Legal and professional fees
- 7. Price your products
- 12. Become a dog walker with Rover or Wag
- For devoted Walmart fans
- Maximize health savings accounts (HSAs)
- 5. Maximizing your credit cards
- Citi Prestige® Card
- Majority
- 28. Catering company
- Look up the insurer’s financial strength
- 11. Reduce your gas usage
- Making items yourself
- 16. Courses in hobbies or interests
- 28. AmEx Carbon Emissions Tracker
- 29. Florist
- Secured loans
- Cheapest auto insurance in Texas for 30-year-old drivers with one at-fault crash
- 30. Make a smart appliance
- Benefits of FHA loans
- Average annual car insurance costs for drivers with good vs. poor credit
- Align your schedule
- If you’d rather be a free agent
- 3. Initial investment
- 29. Real estate agency
- Product creation passive income ideas
- Cash App debit card
- The Business Platinum Card® from American Express
- 8. Decide where to sell your clothing line
- 31. Tap into virtual reality experiences
- Disadvantages of FHA loans
- Pros
- 30. Massage therapist
- Comun
- 30. Event venue and planner
- Family loans
- Research the insurer’s reputation for customer service
- 12. Bundle cable and internet
- 13. Sell unused gift cards
- 17. Bookkeeping and accounting
- Citi® / AAdvantage® Executive World Elite Mastercard®
- 1. Look at customer satisfaction scores
- 29. The Global Dining Access by Resy
- 4. Federal and state regulation
- AT&T Points Plus Card
- 14. Write content
- 32. Make a niche dating site
- Cons
- Feed your passion
- Individual stocks
- Our pick for: Limited credit
- 31. Tattoo and piercing shop
- Cheapest auto insurance in Texas for 30-year-old drivers after a DUI
- Roth IRA withdrawal rules
- For Target loyalists
- 2. Consider financial strength
- 30. Exclusive events
- Erie: Most generous coverage
- Payment plans
- 13. Switch your cell phone plan
- 33. Develop a chatbot
- 31. Nutritionist
- Booking Fiji Airways business class with miles
- 32. Veterinary office
- Our pick for: Target gaming purchases
- Roth IRA withdrawal penalty
- Best insurance company for customer satisfaction: State Farm
- 18. Consulting
- 3. Evaluate the policy options
- 31. An open invitation to events with Membership Experiences
- Pros
- 6. Borrowing money
- Bunq
- Credit union loans
- 14. List your spare bedroom on Airbnb
- Compare insurance rates for drivers with an accident
- 34. Offer matchmaking skills
- 1. Understand your eligibility requirements
- 32. Personal trainer or fitness instructor
- Read your statement closely
- 33. Food truck
- Dividend stocks
- 32. A better view with American Express Preferred Access
- Cons
- For cruise package deals: Costco Travel
- Capital Good Fund
- 14. Reduce your electric bill
- 9. Market your clothing line
- 35. Be a virtual assistant
- Delta SkyMiles® Platinum Business American Express Card
- 4. Get prices from a handful of companies
- 34. Health clinic
- 15. Publish a digital course
- How much is auto insurance for young drivers?
- Our pick for: Good credit
- 33. Beauty services
- Totem
- Cheapest full coverage car insurance in Texas for 40-year-olds
- For Costco customers
- 35. Bakery
- 15. Lower your student loan payments
- 36. Reinvent exercising
- 19. IT support
- 2. Find and choose a microlender
- 34. Life coach
- Car-related passive income ideas
- 33. No foreign transaction fees
- 37. Create eco-friendly, health-friendly makeup and beauty products
- Nationwide: Best online experience
- 16. Cancel unnecessary subscriptions
- 15. Sell your gently used clothes
- Best insurance company for military members: USAA
- 3. Submit your application
- 34. Upgrade with points
- Directly with the Cruise Line
- Cheapest minimum coverage car insurance in Texas for 40-year-olds
- 16. Wrap your car with ads
- What is a prepaid debit card?
- 38. Open a food truck or restaurant pop-up
- 20. Graphic design
- United Club℠ Infinite Card
- 35. Tutor
- Meet a local demand
- 35. No preset spending limit
- Our pick for: Travel
- Check yourself before you wreck your cell
- 17. Refinance your mortgage
- 10. Work with an expert
- 39. Start an organization business
- 36. Daycare provider
- 17. Rent out a parking space
- What is a prepaid credit card?
- Average annual car insurance costs for young drivers by company
- 36. A lower annual fee on additional cards
- Standard (nonbank) neobanks
- Our pick for: Walmart gaming purchases
- 40. Do interior design for young professionals
- Scout locations
- 18. Set savings goals
- Cheapest auto insurance in Texas for 40-year-olds with poor credit
- 16. Trade in old phones, electronics for cash
- Where can you get a prepaid card?
- 21. Social media management
- 37. CreditSecure
- 37. Senior care provider
- How do you add money to a prepaid card?
- 38. Interpreter or translator
- Openly: Fewest consumer complaints
- Neobanks that are online banks
- Calculate the costs of starting a business
- Marriott Bonvoy Brilliant® American Express® Card
- Our pick for: Instant gratification
- 11. Figure out how to manage your finances
- Which prepaid card is best?
- 39. Housecleaning
- 19. Track spending
- Cheapest auto insurance in Texas for 40-year-old drivers with one speeding ticket
- 17. Get a babysitting gig
- 22. Marketing copywriter
- 38. Cell phone protection
- Digital wallets with banking services
- 39. Purchase protection
- 7. Your credit score
- 40. Automotive repair
- 20. Pay off high-interest debt
- 1. Gather your information
- 23. Virtual assistant services
- 40. Return protection
- 41. Handyman services
- 12. Get funding for your clothing line
- Cheapest auto insurance in Texas for 40-year-old drivers with one at-fault crash
- 18. Rent out your car
- Our pick for: PlayStation purchases
- Fintech firms with cash management accounts
- 21. Keep savings in a high-yield savings account
- Prime Visa
- 41. Extended warranty
- Our pick for: Personalized rewards
- If you want both brand-specific perks and flexible points
- 42. Dry cleaners
- 42. Baggage insurance plan
- State Farm: Best perks
- 22. Create a 50/30/20 budget
- 2. Choose the right liability car insurance coverage levels
- 43. Hardware store
- Cheapest auto insurance in Texas for 40-year-old drivers after a DUI
- 1. Do your research
- 43. Car rental loss and damage insurance
- 19. Sign up for TaskRabbit
- 44. Self-storage business
- 1. How much does it cost to start a clothing line?
- 2. Get organized and make it official
- 44. Premium Car Rental Protection
- Verizon Visa® Card
- 45. Freelance copywriting and content creation
- 23. Shop consignment and thrift stores
- 45. Trip delay insurance
- 46. Rideshare driver
- 2. How much do clothing lines make a year?
- 20. Become a private tutor
- 3. Find the right financing
- 46. Trip cancellation and interruption insurance
- Cheapest full coverage car insurance in Texas for 50-year-olds
- 47. Website development and design
- 3. Do you need to trademark a clothing line?
- 47. Premium Global Assist Hotline
- 48. Sell clothes online
- 24. Join initiatives to get free items
- 4. How do you source material for a clothing line?
- 3. Decide if you need full coverage car insurance
- Our pick for: Best Buy purchases
- You’re a first-time home buyer
- 21. Drive for Uber, Lyft
- 8. Taxes
- 49. SEO consultant
- Cheapest minimum coverage car insurance in Texas for 50-year-olds
- Trip cancellation
- Airport lounge access
- 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
- Cheapest auto insurance in Texas for 50-year-olds with poor credit
- Purchase protection
- 26. Stock up on household supplies when they’re cheap
- Trip delay
- 9. Paying off debt
- You have a dog
- 4. Collect and compare car insurance quotes
- In-flight extras and checked bags
- Return protection
- 23. Find work as a housesitter
- Cancel For Any Reason
- Extended warranty
- 27. Enjoy community events
- Cheapest auto insurance in Texas for 50-year-old drivers with one speeding ticket
- You own valuable items
- Baggage insurance plan
- Our pick for: Digital Microsoft Store purchases
- Baggage delay
- Global Entry and TSA PreCheck
- Car rental loss and damage insurance
- 28. Cash in on your birthday
- 24. Sign up to be a mystery shopper
- You own an older home
- Cheapest auto insurance in Texas for 50-year-old drivers with one at-fault crash
- Lost baggage
- Trip delay insurance
- Bonus points on spending
- 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
- Trip insurance benefits
- Cheapest full coverage car insurance in Texas for 60-year-olds
- 10. Insurance
- Your dog’s energy and activities
- Cheapest minimum coverage car insurance in Texas for 60-year-olds
- Car rental coverage
- 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
- Cheapest auto insurance in Texas for 70-year-olds with poor credit
- 12. Starting or running a business
- 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.
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