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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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- Winner for reliability: United
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- Step 4: Refine your withholdings
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- 5. Recalculated refund scam
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- You can score Delta SkyMiles Deals
- 1. Online advice services
- Georgia PEN (Protectors, Educators & Nurses)
- When the statement balance and current balance are different
- Disney World hotel costs
- 2. Choose an investment account
- 7. Download an app for freebies
- If you're 59½ or older and the account is at least 5 years old
- 5. Southwest Airlines Rapid Rewards
- Municipal bonds
- 3. Get a decision and accept or decline the offer
- Managing debt
- How to leave tips for housekeeping
- Get home in time for the weekend
- The cons
- Commercial real estate loans
- Alternative financing options
- How to file an 83(b) election form
- Seek referrals
- Advertise yourself
- 1. With more time for interest to accrue, you will pay more
- 2. Dependents
- 3. Choose a business entity structure
- 6. Adoption credit
- 3. Record of account transcript
- Annual whole life insurance rates for nonsmokers
- 4. Contribution limits are high
- 5. Peer-to-peer money transfer apps
- MetLife’s prescription food coverage
- What does an FHA appraiser look at?
- How to get an EIN
- British Airways credit cards
- 3. Evaluate other factors
- 3. Set up balance alerts to stay on top of spending
- Winner for reliability: Spirit
- 5. StockFetcher
- 1. Multiply your income by 10
- Why improved credit isn't always a good reason to remove an authorized user
- 5. Art consultant
- 3. Bermuda
- Phase 3: Donut hole (coverage gap)
- Substantially equal payments
- Cost
- $27.5 billion in SBA 7(a) loans were provided to small businesses
- Your dollars could become more valuable
- Free training
- 4. Cash out your 401(k)
- Trip 2: $3,000, one-week trip to Mexico by a 60-year-old from Nebraska
- Look into level billing
- Buy what you can upon arrival (or have it shipped)
- 92% of loyal customers ranked price and value for the top reason why they stay loyal to brands
- Formal two weeks’ notice template
- Best insurance company overall: Travelers
- PenFed: Best for a seamless application process
- CalHFA Zero Interest Program
- Opt for modest jewelry
- 6. Translation
- 3. Learn to use AI tools
- 4. Autozone Inc. (AZO)
- Mortgage insurance
- 5. Your purchase plans
- The Denver Foundation grants
- 3. Avianca LifeMiles
- Craigslist, Facebook Marketplace, Nextdoor, OfferUp
- 4. Be smart about how you ask
- Personal loans
- Step 2: Choose your market
- Sign-up bonus
- Documentation
- Our pick for: Intro APR + high rewards on everyday spending
- 2. Acts as a savings vehicle for your child
- Is rental car coverage primary or secondary?
- Determine if the car is selling for a fair price
- Examples of various charging scenarios
- Mental health conditions
- Blue Cash Everyday® Card from American Express
- How to compare coverage
- 4. Hilton Honors
- Cities with the top five annual rent price declines or smallest increases:
- Use your employer benefits
- ETF cons
- Credit card upgrades and downgrades
- Directly from the U.S. government through the TreasuryDirect website
- 5. A $50 hotel credit
- 2. Take a cut with affiliate marketing
- Resident status rules
- Best for
- 3. Marriott Bonvoy Brilliant® American Express® Card
- Travel bonus reward rates
- Mutual funds
- 1. Make sure you’re eligible to get an EIN online
- 6. Video production
- 4. Compare (and match) prices
- Invoice financing
- Overdraft protection transfer and overdraft line of credit
- Decentralized exchanges: Competitive prices, but more complex
- Improve your chance of loan approval
- Bond ETFs
- 3. Work with an expert
- 3. Book a Saver fare
- Managing multiple billing cycles
- Bitcoin pros
- The percentage method
- 3. Affiliate marketing
- 2. You must have owned the home for at least two years
- 3. The cost of owning them
- 2. Score sponsorships
- Choosing corporate tax status for your LLC
- Goodbudget
- 4. Personal trainers
- Account growth is tax-free
- Step 5: Sign and date your W-4
- If you are converting your 401(k) to an IRA
- 6. IRS account sign-up scam
- The case for an adjustable-rate mortgage
- Other fuel cards to consider
- Backup withholding “C” program notification
- 4. Your credit score needs to be strong
- Do tipped workers earn the minimum wage?
- 3. The RealReal
- 3. Swagbucks
- Your lender sues you
- How long will it take to pre-qualify?
- Reasons for unfreezing your credit
- EITC 2024
- 3. Pentagon Federal Credit Union (PenFed) Rewards
- Step 3: Buy the gold ETF
- Popular Category 4 hotels
- USDA guarantee fee
- 6. JetBlue TrueBlue
- 3. Cash management accounts
- Ease of sharing with accountants
- 3. Personal training and sports coaching
- How did we get here?
- Pros and cons of secured and unsecured RV loans
- International travel with an adult
- 1. Making money
- Building your credit score
- Zengo Wallet: 4.8 out of 5 stars
- Expanding access to credit
- LifeLock pros
- 5. $300 a year in travel credit
- Deductibles
- Equipment financing
- 1. Check your business’s qualifications
- 3. Choose your investments based on your risk tolerance
- Allow up to 50% of your income for needs
- 1. Examine your revenue
- How this calculator works
- There is a pro-rata rule for backdoor Roths
- Explore online sales channels
- 7. Earned income tax credit
- 4. Wage and income transcript
- 4. Max out your retirement accounts
- Gas bill
- Annual whole life insurance rates for smokers
- 6. Wallet software
- Nationwide’s prescription food coverage
- 6. Free checked bag perk for you and a companion
- Policies available through partnerships
- 3. Prioritize your financial goals
- Fiddle with dates and times
- 6. Graphic design
- Bonus categories
- Scenario 2: A falling market
- 2. Oilfield services
- Our pick for: Luxury travel
- 50% of SBA microloans went to Black- and Latino-owned businesses
- 5. Teach others a skill
- FICO 8 is the most widely used among lenders
- TAFS
- 2. Cancel your IHG hotel reservation by phone
- You cause an accident while riding your bike
- How to unfreeze credit with TransUnion
- 69% of consumers say choice of retailer is influenced by where they can earn customer loyalty/rewards program points
- THE PAYOFF
- Track your spending
- Can I renew my passport?
- More than a year
- Premium tax credit eligibility
- Wait for the mail to arrive, sigh
- Travel insurance for canceled flights
- Michael Novogratz
- 4. Select a provider to open your Roth IRA
- Find a car loan
- Mission Lane Cash Back Visa® Credit Card
- Appraisals
- How do I make sure coverage applies to my rental?
- Clear membership discounts
- 8. Use coupons
- 6. Michigan Veteran Entrepreneur-Lab
- What factors affect the amount you can borrow
- 4. Write a business plan
- 6. Where you'll use the annual free night
- The Howey test
- Crashes and car theft
- Bid and ask
- 6. Combine points from multiple cards
- Place ads in visible places
- Potential drawback
- Lower risk
- 5. Confirm that your money is federally insured.
- Website design winner: Weebly
- Pros
- 7. Podcasting
- A strong history of paying bills on time
- 3. Hike your savings rate
- Size of the AC system
- Premiums
- The Medicare Part B penalty
- 2. Buy 10 times your income, plus $100,000 per child for college expenses
- 4. Japan Airlines to Japan in business class
- 4. Dollar-cost averaging
- 3. Park Hyatt St. Kitts Christophe Harbour
- Merchant cash advances
- Where Trust Wallet falls short
- Ages 35 to 44
- Timing credit applications with big future purchases
- LendingTree Spring
- Have the right suitcase or backpack
- Example interest checking APYs at select institutions
- 6. If you're taking Acela, book early
- Pro: Less competition with business travelers for availability
- Personal loan calculator
- 3. You must have lived in the house for at least two years in the five-year period before you sold it
- 2. Target undervalued sectors
- How to maximize your rewards
- 1. Cash dividends
- Withdrawals are tax-free
- Apply natural makeup
- FICO score ranges
- 7. Editing
- Cheap car insurance after a speeding ticket
- 7. Casualty loss scams
- Does home insurance cover damage caused by your neighbor’s tree?
- Give your retirement plan to charity
- 8. Create an airport-centric app
- Average annual full coverage car insurance premium by company
- 1. Fill out the DS-11 application form
- Estimate your potential refinance savings
- 5. You may be able to switch airlines
- Places with the highest median down payments (in dollars)
- Urgent travel passport appointments
- Cheapest minimum coverage car insurance in Florida for 20-year-olds
- Sam's Club® Mastercard®
- Reporting
- Farm Service Agency
- Working toward financial goals
- Premiums
- 6. TSA PreCheck/Global Entry/NEXUS credit
- Travel perks at no cost
- Racially restrictive covenants
- Step 3: Register your catering business and get an EIN
- Partner with other businesses
- Our pick for: No credit check at all
- 1. Decide how involved you want to be
- 8. Charitable donation deduction
- 5. Verification of non-filing letter
- Try quizzes, apps and spreadsheets
- Pets Best’s prescription food coverage
- Submit PSLF employment certification forms
- 7. Two United Club passes
- Why should business owners obtain an EIN?
- 5. Research first-time home buyer assistance programs
- 4. Pay your bill before your issuer reports to the credit bureaus
- FHA rate and term refinance
- Use a debt repayment method
- Grace periods
- 7. Calligraphy
- Length of credit history
- Brokerage fee
- 4. U.S. Northeast-Canada
- Selling your home to Opendoor
- Qualified reservist distributions
- International ETFs
- Food and drinks
- The benefits of compound interest
- Home equity loan or HELOC
- Free checked bags
- Other tips for flying to Atlanta
- Bitcoin cons
- 2. Berkshire Hathaway Travel Protection (ExactCare Value plan: $56)
- If you’re willing to be loyal to a specific brand
- 3. Bonds and bond index funds
- 1. Robo-advisors
- Tactic 2: Use points or miles
- Credit score for FHA loans
- Find ways to save
- Our pick for: Online purchases
- Navy Federal: Best for military members
- 1. Find a dividend-paying stock
- 5. Investigate divorced spouse benefits
- 5. You can rent cars with Enterprise for Emerald Club credits
- Juggle expiration dates and terms, OMG are we there yet?
- 6. Your award redemption plan
- Redemption values are unpredictable
- Dun & Bradstreet business credit scores
- Equity REITs
- You damage your credit
- Tips for unfreezing your credit
- 3. Covers costs if the worst were to happen
- What coverage is included?
- 9. Indulge in national food holidays
- 1. Fill out a mortgage application
- 2. Flight discounts
- Chase Freedom Flex℠
- Where can I get an RV loan?
- Restrictions on the number of cards you can hold
- 3. Pick an investment account
- The pros
- 2. Choose a lender
- 3. Don’t miss out on tax deductions for volunteering
- Don’t break the rules
- 2. Lenders usually charge higher interest rates for long-term auto loans
- 3. Income
- 4. Get your business licensed and permitted
- Seller concessions
- Premiums
- Cons
- 2. Gather the necessary information
- Ameritas life insurance riders
- Installation and labor: $75 to $250 per hour
- 3. Use the DIME formula
- Use transferable points currencies to shop around
- 5. Use shopping tools and apps
- Service requirements
- 3. Expedia
- Phase 4: Catastrophic coverage
- 10.5 million-plus PPP loan recipients submitted forgiveness applications
- FICO is the go-to for mortgage lenders
- The lottery annuity option
- Bridge loan pros and cons
- Separate yourself from the pack
- 2. Stock dividends
- Do I need to update Global Entry when I get a new passport?
- Your employer can contribute
- 1. Get a brokerage account
- 1. Submit a franchise application
- Choose a simple hairstyle
- 8. Writing a blog
- 8. Identity theft scam
- 9. Become a destination wedding planner
- 5. You could potentially earn $1,400 a year in statement credits — if you use them
- Grants.gov
- 2. Gather required documents
- 4. United MileagePlus
- Last-minute flight change eligibility
- Step 3: Find a specialty — and stick to it
- Places with the lowest median down payments (in dollars)
- Online, mobile banking
- Meet in a public place
- VA funding fee
- 7. National Association for Self-Employed (NASE) Growth Grants
- Saving for and buying a home
- LifeLock cons
- 7. Extra points on Lyft rides
- Get money back in the form of future flight credits
- A decent base rate on all purchases
- Volume, average volume and day’s range
- 2. Subtract fixed costs
- 7. Transfer points to airline and hotel partners
- Acquire a new business
- 4. Check out dividend-paying stocks
- Average rates from the biggest auto insurers after an at-fault crash
- 9. Medical expenses deduction
- 4. Marriott Bonvoy Boundless® Credit Card
- 3. Obtain the necessary certification and licenses
- Gift tax exclusion
- Spot’s prescription food coverage
- Home equity lines of credit pros and cons
- An FHA appraisal isn't an inspection
- 8. Travel insurance protections
- 8. IT consulting
- Lufthansa credit cards
- 3. "Currently-not-collectible" status
- 4. Choose the best retirement plan for you
- 6. Fidelity
- Copays, coinsurance and deductibles
- FHA streamline refinance
- 5. Emirates U.S. East Coast to Southeast Asia in business class
- Experience level
- 5. Index investing
- 8. Tattoo artist
- Credit mix
- Scenario 3: In a flattish market
- Costs and fees to keep in mind
- What Trust Wallet is best for
- 3. Refining
- Death or total and permanent disability
- RTS Financial
- Alumni or membership discounts
- 4. You cannot have claimed the home sale capital gains exclusion recently
- 3. Do your research
- Tax credits for people with kids
- Price
- 5. Newborn and post-pregnancy services
- Payment history
- VantageScore ranges
- How much would refinancing save you?
- Does homeowners insurance cover tree damage to your neighbor’s property?
- Average annual full coverage car insurance premium by age
- Poshmark
- You can't really optimize redemptions for value
- 4. Grailed
- 2. Get organized
- Mortgage REITs
- 2. Free or cheap financial apps
- Georgia CHOICE
- What isn't covered?
- Flash sales
- You might get dinged for add-on fees in unexpected ways
- United Airlines MileagePlus
- 4. Certificates of deposit (CDs)
- Accounts payable
- 4. Furniture restoration
- Our pick for: Flexibility
- How long are RV loans?
- How can I qualify to borrow more?
- 5. Hotels.com Rewards
- Come up with an investing strategy
- Copays, coinsurance and deductibles
- 7. How to protect your purchases and travel
- Privacy
- 3. Tap your home equity for a loan or line of credit
- How do I access a HELOC?
- Damage you do to others
- Leave 30% of your income for wants
- Understanding your results
- Should you invest in retail stocks in 2023?
- Restaurant rewards
- Earn Flying Blue miles
- 4. Consider extra coverage
- 6. Buy online, pick up in store
- Credit score for VA refinance
- Marriott hotels
- Pros
- What types of homes does Opendoor purchase?
- Design
- Bitcoin or crypto ETFs
- Hyatt Hotels in Las Vegas
- You’re injured while riding your bike
- Expensify
- Worldwide Trip Protector Lite benefits
- Just pack lighter
- The aggregate method
- 4. Sponsored content
- 3. Dividend reinvestment programs (DRIPs)
- 2. Research
- 9. Ghost tax preparer scams
- 10. Make local guides
- National Association for the Self-Employed (NASE) Growth Grants
- 4. Fiverr
- Revocable life insurance trusts
- VA loan for energy efficiency (EEM)
- 10. Sign up for a free trial
- Do a visual inspection
- At-home charging might require upfront hardware costs
- Most-redeemed Category 5 hotels
- 8. Small Business Innovation Research and Small Business Technology Transfer programs
- International travel as an unaccompanied minor
- 5. Register your business and get an EIN
- 8. DoorDash discounts
- Apply for aid
- 4. Keep the deadline in mind
- Beta
- Step 4: Get all licenses and clearances needed to start a catering business
- 2. Pick which options to buy or sell
- Andover Companies: Best coverage
- 3. Land a brand deal and make sponsored content
- Franchising
- 10. Deduction for state and local taxes
- Copays, coinsurance and deductibles
- 5. Optimize for tax implications
- Estate tax exclusion
- Index funds
- Hot wallet
- Switch to an income-driven repayment plan
- 9. Catering
- FHA cash-out refinance
- 4. Grand Hyatt Kauai Resort & Spa
- Credit applications
- Ages 45 to 54
- $7.3 billion in bonded contracts were awarded to small businesses
- Costs
- Alternative and rehabilitative treatment
- 3. Cancel your IHG hotel reservation using the IHG app
- Your credit utilization
- Chubb
- Military and federal employees discount
- Con: Lack of business travel might be why prices are so high
- 5. You cannot have bought the house through a like-kind exchange
- How to maximize your rewards
- 4. Understand mutual fund fees
- Pros of health care stocks
- 2. Evaluate the stock
- 9. Freelance researching
- 4. Take surveys for money
- 6. Add your minor child
- 6. You can opt to earn airline miles or hotel points — but it’s probably not worth it
- Mortgage rates
- Deductibles, limits and payouts
- 7. What perks come with the card
- The details
- 1099-A
- How to stop “B” backup withholding
- Ruby Lane
- Equifax business credit scores
- Conventional loans
- Cons
- Step 4: Plan the business budget
- Cheapest auto insurance in Florida for 20-year-olds with poor credit
- Disney World food costs
- Pros
- What vehicle rentals are excluded?
- 4. Barclays rewards
- PayPal Cashback Mastercard®
- Singapore Airlines KrisFlyer
- 3. Caesars Diamond status
- Chase Freedom Unlimited®
- How do I apply for an RV loan?
- Pros of buying bonds
- Guarda: 4.6 out of 5 stars
- What the terms mean
- 3. Gather your documents and submit your application
- What else should I know about Roth 401(k) taxes?
- How much does a HELOC cost?
- 8. Worldwide acceptance
- Part-year resident status rules
- Voyagers Club levels
- Best for
- Trupanion’s prescription food coverage
- 3. Submit your application and wait
- What can business owners use ITINs for?
- 4. Avoid high fees
- Seasonal Energy Efficiency Ratio (SEER) Rating
- 6. Compare mortgage rates and fees
- 5. Monitor your total credit utilization
- 4. Replace your income, plus add a cushion
- 7. Get rewards
- Make multiple credit card payments per month
- 9. Art director
- 5. Other Caribbean islands
- When are taxes due in October?
- 3. Investment accounts for kids
- Trust Wallet at a glance
- 4. Integrated oil companies
- 6. Find local gigs through Nextdoor
- How to avoid Spirit Airlines change fees
- Delta Companion Certificate
- 4. Use credit card benefits to your advantage
- Marriott hotels
- The cash option
- 4. Real estate investment trusts (REITs)
- Expand your responsibilities
- Use designated accounts for spending and savings
- 4. Special dividends
- Your money management style
- Some NerdWallet favorites: 0%
- Credit utilization
- 2. Promote your business
- Cheap auto insurance after an accident
- Where to get preapproved for a car loan
- What if a tree lands on your car?
- 1. You avoid having the IRS do it for you.
- America’s Seed Fund
- Hybrid REITs
- 6. Check your credit card for trip delay insurance
- AvantCard Credit Card
- Test drive the car
- Read up before you buy now, pay later
- 2. Review your Loan Estimates
- 8. There's a small-business version of the card now
- Basic economy tickets are typically ineligible
- Injuries to you
- EPS (TTM) and earnings date
- 2. Healthy large-cap stocks
- 4. Tax deductions
- 5. Purchase the appropriate levels of insurance
- 5. Explore new industries
- 11. Mortgage interest deduction
- Review your finances and set goals
- Choose the amount of coverage you need
- HSAs and FSAs
- Which is better when?
- 9. 25% savings on in-flight purchases
- 10. Social media management
- Winner for lowest fees: Southwest
- 5. Get a quote
- USDA streamlined assist refinance
- When are taxes due in October?
- United Airlines
- Cons
- Location
- Stock trading fee
- Scenario 4: In a rising market
- How to buy a home with Opendoor
- Behavioral therapies
- Personal loan
- Worldwide Trip Protector benefits
- Oneworld alliance elite status
- When to use a bridge loan
- 6. You cannot be subject to expatriate tax
- 4. Explore emerging industries
- 1. Diversification
- 3. Tap TikTok’s ‘Creativity Program Beta’
- How to maximize your rewards
- Cons of health care stocks
- 6. Enrichment activities for children
- Best insurance company for affordability: NJM
- You must have a high-deductible health plan
- 3. Compare ETFs
- 10. Freelance coding and web design
- 1. Figure out your gross income
- Charitable remainder trusts
- 11. Create a local grocery delivery service
- 1099-B
- How to stop “C” backup withholding
- 5. Air Canada Aeroplan
- Pay bills on time
- 5. Gather your paperwork
- Our pick for: Everyday spending
- How long will the rental be covered?
- 11. Enter sweepstakes
- Emirates Skywards
- Customer support
- 9. Southern California Job Creators Grant
- Maintaining financial health
- The cons
- 9. No foreign transaction fees
- How a 0% APR card compares
- 3. Subtract variable expenses
- Research your competition
- 3. You have a higher risk of developing negative equity
- Potential drawback
- Redemption value
- Alternatives for large expenses
- 8. Score free stuff
- 6. Growth investing
- Debt-to-income requirements
- 4. Capital One Travel
- 10. Photographer
- Ages 55 to 64
- Sector ETFs
- 22% of businesses are owned by women
- 7. Freelance
- TBS Factoring
- 2. Find the right location for your vending machine
- 1. Individual stocks
- Your payment history
- Why you might roll a 401(k) into an IRA
- Rocket Money
- What is the Global Entry interview like?
- Perkins loans
- 3. IMG (iTravelInsured Lite plan: $77)
- 2. Online financial planning services
- The right savings rate
- THE PAYOFF
- Consider training as a side gig
- Debt-to-income ratio
- Make a plan to pay off debt
- 5. Preferred dividends
- Bonus features
- 3. Decide how much stock you want to buy
- Book one to three months in advance
- What is the Buffett indicator?
- 2. You can pay your tax bill in installments.
- WomensNet Grants
- Etsy
- Top-tier Diamond status is hard to reach
- 3. Set the stage
- Compare car insurance rates for 35-year-olds
- Irrevocable life insurance trusts (ILITs)
- Debt management plan
- Disability housing grants
- Make Money
- 5. Treasury notes, bills and bonds
- 5. House painting
- Cons of buying bonds
- Accion Opportunity Fund
- Be consistent
- Tickets booked with an online travel agency might be tricky
- Commit 20% of your income to savings and debt paydown
- Ex-dividend date
- Additional standard deduction 2023 (taxes due 2024)
- Our pick for: Beginner-friendly features
- 2. Know what’s ethical to you
- 12. Gambling loss deduction
- 5. Southwest Rapid Rewards® Plus Credit Card
- 6. Invest for more than retirement
- What if you can’t pay your bills?
- 4. Find a (safe) day care facility
- Examine riders
- Payment processing winner: Shopify
- Cold wallet
- 10. Luxury Hotel & Resort Collection program and upgrades
- How to get an ITIN
- Winner: Lufthansa
- 4. Penalty abatement
- REITs and dividends
- Rewards rate
- VA Interest Rate Reduction Refinance Loan
- American Airlines
- Step 2: Register your business
- 5. Alila Villas Uluwatu
- Full details about Trust Wallet's ratings
- 5. Master limited partnerships
- Amenities
- Congenital or hereditary conditions
- Attractions
- The Hartford
- 2. Low cost
- How to maximize your rewards
- Age and mix of accounts, balances, inquiries
- 2. Write your business plan
- 2. Find your adjusted gross income
- How to protect your home from tree damage
- 7. Suspend your benefit
- Charitable lead trusts
- 12. Start a virtual event planning company
- American Express
- 5. Vestiaire Collective
- Experian business credit scores
- Keep credit utilization below 30%
- Publicly-traded REITs
- Review your business finances
- What do I need for my loan application?
- Emergency passport appointments
- 3. Learn the difference between investing in stocks and funds
- Cons
- What if I don’t have personal auto insurance?
- If you don't measure and weigh your bags carefully, you might get dinged again
- Have the car inspected by a mechanic
- British Airways Executive Club
- 6. Get the proper permits and licenses
- Saving and investing for retirement
- Exodus: 4.5 out of 5 stars
- 10. Airport lounge access
- Step 5: Determine your pricing
- 9. Coverage if your trip is canceled or delayed
- 4. Sell some merch
- Nonresident status rules
- Earned Income tax credit
- 11. Business planning service
- 1. Examine your cooling needs
- In network
- 9. Leave items in your cart
- Tap into savings to pay down debt
- 11. Branding consultant
- On-platform storage: Easy to use, with some risks
- 21% of businesses are minority-owned
- 2. Mutual funds
- Your credit age
- HEAL loans
- The key to making money from blogging
- How to maximize your rewards
- 6. Dividend funds
- Account linking
- 4. Make the trade
- What you need to get preapproved for a car loan
- 3. The government might owe you money.
- Loan limits
- 1099-C
- Bankruptcy
- Low-down-payment mortgages
- How much should I budget for activities and expenses at Disney World?
- 5. American Express Membership Rewards
- Venmo Credit Card
- Time and mileage tracking
- 4. Hilton Gold elite status
- Citi Custom Cash® Card
- 10. Stephen L. Tadlock Veteran Grant
- Compare award letters
- 4. Determine the best asset allocation for you
- Your stolen stuff
- 1-year target estimate
- Additional standard deduction 2024 (taxes due 2025)
- 6. Invest in the right equipment
- 13. IRA contributions deduction
- Transfer Flying Blue miles
- Exchange-traded funds
- Why should business owners obtain an ITIN?
- British Airways loyalty program
- 7. Gather your loan paperwork
- VA cash-out refinance
- Purchasing a Plumeria Lounge day pass
- Demographics
- Other VA refinance requirements
- Our pick for: General travel
- Ages 65 to 74
- Leveraged ETFs
- 8. Tutor your peers
- Exam fees
- Cash-out refinance
- After you're approved for Global Entry
- Alternative energy discount
- 3. Strong long-term returns
- How to maximize your rewards
- Individual health care stocks
- 7. Mobile apps and entertainment for children
- 11. Software and app development
- 5. Make money from your blog with affiliate links
- What’s covered and what’s not
- How to get credit for past backup withholding
- Program for Investors in Microentrepreneurs
- Keep credit accounts open
- 5. Upwork
- Government-backed loans
- Cheapest auto insurance in Florida for 20-year-olds with one speeding ticket
- How does coverage vary for international rentals?
- Eureka
- Iberia Plus
- 2. Managing money
- Predictability
- 4. Borrow from your 401(k)
- 10. Baggage delay insurance
- 4. You could fall into a cycle of negative equity
- 3. Find ethical investments
- 5. Get insured
- Look at the rate of return on cash value
- 11. DashPass membership
- 12. Tax consulting
- 5. Stick with the market
- 2. Time it right
- Out of network
- 10. Sign up for the mailing list
- 7. Value investing
- Credit cards for earning American AAdvantage miles
- 12. Art teacher
- 21.7% of business owners are immigrants
- Airport lounge access
- 5. Money market funds
- 1. Review your W-4
- Example CD APYs at select institutions
- The magic of compound growth
- Develop good credit habits
- 4. You can avoid problems getting a loan.
- 13. Sell zero-waste products
- 1099-CAP
- Other partners
- Swappa, Gazelle
- Public non-traded REITs
- 6. Pick your investments
- Debt settlement
- Check your feelings at checkout
- Short-term funding
- Methodology
- 11. Feed the Soul Foundation's Restaurant Business Development Program
- Cancel for Any Reason insurance can help
- Consider how much you’ll need to borrow
- Other ways to strengthen your application
- Franchisor financing
- Moving averages
- 4. Set aside a contingency fund for unexpected costs
- 5. Tax credits
- Resident status rules
- 1. 'I’ll wait until the stock market is safe to invest.'
- 14. 401(k) contributions deduction
- 7. Chat with an advisor
- Make 10 years' worth of payments
- 5. Select your retirement investments
- Delta Air Lines
- Consider a personal loan
- What makes it different?
- Prescription diets and supplements
- eCapital
- Why you might not want to roll a 401(k) to an IRA
- Money Manager
- Travel Medical Protector benefits
- biBERK
- Anti-theft devices discount
- Government bonds
- Down payments and gift funds
- Security
- Watch the calendar
- 1. Avoid filing your tax return on paper
- Cheapest car insurance after a DUI
- 8. Use a do-over
- 7. Elite status can be hard to get except through a credit card
- Is the Buffett indicator high or low right now?
- Fleet expense management tools
- FedEx Small Business Grant Contest
- Space out credit applications
- Talk to your lender
- Statement credits
- 3. Loan processing takes over
- Eligible properties
- Capital One SavorOne Cash Rewards Credit Card
- 7. Find a location
- Coinbase Wallet: 4.4 out of 5 stars
- 4. Open your account
- 11. Luxury hotel benefits
- 3. Predict the option strike price
- 11. Rental car coverage
- 5. Offer memberships
- Appraisal fee
- 6. United℠ Explorer Card
- Travel credits
- 3. Look for equipment rebates and tax credits
- 5. Hiring a tax relief company
- 11. Use referral programs
- 6. Andaz Mayakoba Resort Riviera Maya
- Mutual fund transaction fee
- Noncustodial wallets: More effort, more security
- Pros:
- 9. Take surveys
- 3. Index funds
- Average annual car insurance costs from large companies
- Credit card
- Parent PLUS loans
- 4. Use gifting
- 5. Manage your mutual fund portfolio
- 8. Shared accessories and attire
- 12. Business coaching
- Set a price alert
- 3. Add back certain deductions particular to MAGI
- 5. Safeguard your Social Security.
- Property standards
- 14. Make products for pets
- 1099-DIV
- 6. You can add different types of authorized users
- 1. Visit American's homepage or log into your account
- A word about IRA eligibility
- Down payment assistance programs
- Grow Credit Mastercard
- What is the procedure for filing a claim?
- 6. Capital One Rewards
- Verizon Visa® Card
- InboxDollars Surveys
- 6. Tutoring
- Other types of financing
- Step 6: Hire, train, and outfit your staff
- Chubb: Best for high-value homes
- Colorado child tax credit (COCTC)
- Lufthansa loyalty program
- 8. Get a preapproval letter
- FHA home improvement loans
- 1. Automate transfers
- Small businesses in the leisure and hospitality industry experienced a 9.6% loss in establishments
- Dental care
- Food and drinks
- What happens if you are declined?
- 4. John Hancock (Silver plan: $93 for a mid-tier plan)
- New car discount
- 3. Traditional, in-person financial advisors
- Tax credits for low-to-middle-income households
- Dividend per share (DPS)
- Health care stock ETFs
- 3. Sell your castoffs
- Set cash aside
- 2. Get direct deposit
- 4. Call the issuer
- Monitor your credit reports
- Transfer to airlines
- An inflexible schedule could spell trouble
- Zoho Books
- What does P2P mean?
- 12. Chicagoland Job Creators Quest Grant
- Have an estate plan in place
- Short-term business loans
- 5. Determine your profit
- 12. Travel assistance
- Our pick for: Fixed monthly payments
- How to earn Voyager Club points
- 5. Repair and maintenance costs increase with a car’s age
- Best for
- 2. 'I’ll buy back in next week when it’s lower.'
- Discount points
- 15. Saver’s credit
- 6. Get a business checking account and credit card
- 13. PR agency
- ITIN vs. SSN
- 12. Write a review
- Hilton hotels
- Cons:
- Upgrade your booking class
- 2. Make sure your bonus is actually taxable
- Tactic 3: Use your military benefits
- THE PAYOFF
- Invest in your financial future
- Customer support
- 3. Get approved
- How to have more taxes taken out of your paycheck
- 13. College consulting
- Rebook if you find a cheaper price
- 6. Sell your wares on Etsy
- How quickly could the IRS implement the child tax credit expansion?
- 15. Create custom clothing
- Finding a photo provider
- Pre-departure
- Private REITs
- Cheapest auto insurance in Florida for 20-year-olds with one at-fault crash
- 4. The underwriter makes a decision based on your documentation
- Medium-term funding
- LiftFund
- 12. Cardholder hotline
- Support and resistance
- Colorado earned income tax credit (COEITC)
- 6. Payments
- Be aware of surrender charges
- Options
- Aeroplan
- 8. Income investing
- 6. Mexico
- Retail business applications increased by 87%
- 10. Search for regular jobs for kids
- Thunder Funding
- Marriott Hotels in Las Vegas
- Contractor financing
- Stocks
- AndroMoney
- Hiscox
- Safety equipment discount
- Dividend yield
- Our pick for: Cell phone and internet bill payments
- 3. Stay on top of things
- 8. You can status match
- The details
- 1099-G
- Work with a professional
- Step 5: Register the business
- Our pick for: Flat-rate travel rewards
- Google Opinion Rewards
- Popular Category 6 hotels
- What is P2P payment?
- Blue Cash Preferred® Card from American Express
- Sources
- Pharmacy choice
- 3. Funds that track specific sectors
- 13. Purchase protections
- 7. Don’t neglect your finances
- Potential drawback
- Part-year resident status rules
- 16. Health savings account contributions deduction
- Fitch Ratings Insurer Financial Strength: AA- (very strong)
- Selling features winner: It depends
- EIN vs. SSN
- Home equity loan
- Alternatives for small expenses
- Prudence's policy:
- VA supplemental loans
- 13. Dispute charges
- 5. Kiwi
- Cost
- 3. Use tax deductions
- Example money market account APYs at select institutions
- FHA appraisal
- Some NerdWallet favorites: Cash back
- Best insurance company for accident forgiveness: Geico
- Consider using a retirement account
- How should investors use the Buffett indicator?
- 6. OfferUp
- Book a trip
- Paying with a private-party auto loan
- 7. Citi ThankYou Points
- Examples of other Synchrony co-branded cards:
- Trust Wallet: 4.3 out of 5 stars
- 13. Access to unique, cardmember-only events
- 6. Finalize your business budget
- 4. Determine the option time frame
- 3. 'I’m bored of this stock, so I’m selling.'
- Escrow account funds
- 7. Delta SkyMiles® Gold American Express Card
- Apply for PSLF forgiveness
- 14. Professional organizing
- Elite status
- Resident status rules
- China Airlines
- 2. Count your coins and bills
- 7. Hôtel Du Palais Biarritz
- Final expenses
- 6. High-yield savings accounts
- User experience
- 4. Earn badges through Live videos
- How to have less taxes taken out of your paycheck
- 16. Sell vintage clothing online
- Benefits
- Capital One
- 1099-INT
- Narrow your search
- 2. Start the flight change
- 4. Set a budget for your stock market investment
- 7. Outdoor guide
- Our pick for: Daily commuters
- 5. Discounted hotel rates
- 13. Beyond Open Small Business Grant Program
- 5. Rebalance your investment portfolio as needed
- 5. Enter a debt management plan
- 14. Customer service without the wait
- 17. Self-employment expenses deduction
- J.D. Power Ranking
- 7. Get financing
- Understand the different approval processes
- EIN vs. ITIN
- 9. Choose a real estate agent carefully
- Scenario: Doctor visits and an MRI
- FHA and VA energy-efficient loans
- Step 3: Price your services
- Expense ratios
- 4. Education accounts
- Selling to Opendoor
- Transportation and warehousing business applications grew by 100.7%
- Bonds
- 4. Contribute to a tax-advantaged account
- 9. Shared home improvement equipment
- 4. Prepare for your grand opening
- 14. Tutoring
- 4. One more thing to know about your tax refund
- Be flexible with destination, airport and dates
- Cheapest auto insurance for poor credit
- Paying with a personal loan
- Longer-term funding sources
- Swagbucks
- QuickBooks Online
- Capital One Savor Cash Rewards Credit Card*
- 8. Get the proper equipment
- 5. Choose investments that match your tolerance for risk
- Estimate loan payments
- Equipment financing
- 15. Photography
- Winner: Lufthansa
- 9. Socially responsible investing
- 4. Set a budget for your stock market investment
- OTR Solutions
- Hilton hotels
- 1Money
- Tax-efficient strategies
- 5. Sell with TikTok Shop
- Reviews
- Where is the best place to exchange currency?
- 7. Self-publish an e-book
- Vanguard 500 Index Fund (VFIAX)
- 17. Begin niche blogging
- Drawbacks
- Aim to save at least 10% to 15% of your pretax income
- Cheapest auto insurance in Florida for 20-year-olds after a DUI
- 5. Your loan is cleared to close
- Allianz Global Assistance
- Nonresident status rules
- 1. Choose to DIY or get some help
- Flood determination and monitoring fees
- 18. Home office deduction
- NCQA Score Range: 4.5 out of 5
- Home equity line of credit
- Medicare enrollment periods
- Japan Airlines
- 3. Prep for grocery shopping
- 3. Find your vending machine
- Methodology
- Earn Medallion Qualifying Dollars through credit card spend
- 5. Nationwide (Essential plan: $76)
- Corporate bonds
- Tax credits for investing in retirement
- Dividend payout ratio
- How to use a W-4 to owe nothing on a tax return
- 15. Online fitness trainer
- Refinancing
- 1099-K
- How do you get a perfect credit score?
- Chime Secured Credit Builder Visa® Credit Card
- Paying by cash or check
- 8. Bank of America® rewards
- Ascendus
- 14. Bizee Fresh Start Business Grant
- MetaMask: 4.0 out of 5 stars
- Step 7: Market during your own events
- Our pick for: An upgrade path
- Order, shipping and mobile management winner: Shopify
- British Airways
- 10. Narrow down your ideal type of house and neighborhood
- Rural housing repair loans and grants
- Listing with Opendoor
- Our pick for: Fair credit
- 23% of business owners cite inflation as their single most important problem
- 4. Exchange-traded funds
- How much is auto insurance after an at-fault accident?
- Mutual funds
- 1. Live in the house for at least two years
- THE PAYOFF
- How do I find a currency exchange near me?
- Vanguard Total Stock Market Index Fund (VTSAX)
- 8. Whether Capital One miles expire
- Manage your time to meet deadlines
- Freshen up your merchandise
- Bonzah
- Golden crosses and death crosses
- 4. Fixed-income and dividend-yielding investments
- Best for
- Government recording fees
- 19. Educator expenses deduction
- Airport lounge access
- 16. Event space
- Winner for the best loyalty program: United
- Singapore Airlines
- Design
- Pre-existing conditions
- 7. CDs
- Good student discount
- 5. Defer your bonus
- Mortgage insurance
- Save
- 5. Build a community
- 18. Become an e-book writer
- On board
- 7. Poshmark
- 8. Fireworks retailer
- 15. Venmo Small Business Grant
- Country Financial: Best for using an agent
- Scenario: Trip to the ER
- Part-year resident status rules
- 40% of small-business owners note trouble filling jobs
- 11. Monetize your social media accounts
- Porter Freight Funding
- Determine if your quotes are a good deal
- AM Best Financial Strength Rating: A (Excellent)
- 2. See whether you qualify for an exception
- 10. Vacation rentals
- 16. SEO consulting
- Where can you exchange currency for free?
- Vanguard Total Bond Market Index Fund (VBTLX)
- Economic events
- How much will you really need to retire?
- Most-redeemed Category 7 hotels
- Wave Accounting
- Pros
- Rental Cover
- An example of buying a call
- Potential drawback
- Loan-origination charges
- 20. Solar tax credit
- Compare whole life insurance quotes
- 17. Interior decorating
- Cash-out refinance
- Home loans for Native American veterans
- How to enroll in Medicare
- 1. Become a World of Hyatt member to earn Hyatt points for your stay
- 5. ABLE Accounts
- Hilton Hotels in Las Vegas
- Global Entry or TSA PreCheck credit
- Exchange-traded funds
- Homeowner discount
- 6. Monetize using the Series feature
- 8. Get advertising revenue from your blog or YouTube channel
- 1099-LTC
- Understand your eligibility
- 3. Review and select new flights
- Take clear photos
- 5. Focus on investing for the long-term
- 16. U.S. Chamber of Commerce America's Top Small Business Awards
- 14. Purchase protection
- 8. The Platinum Card® from American Express
- Lufthansa
- Long-term goals vs. short-term goals
- 6. BookWithMatrix
- Other details you should know about Trust Wallet
- 1. Choose a stockbroker
- 12. Get paid to stream on Twitch
- Property-based passive income ideas
- 3. Keep the receipts for your home improvements
- Tax credits for education
- Vanguard Balanced Index Fund (VBIAX)
- Earnings
- 19. Start ghostwriting
- 5. Try to get the new terms in writing
- Our pick for: Customizable bonus categories
- Hurricanes and tropical storms
- Discover it® Cash Back
- 9. Open a business bank account
- 3. Building a budget
- Electrum: 2.5 out of 5 stars
- AM Best
- Cons
- Sure
- Step 8: Get funding
- Mortgage insurance or fees for government-backed loans
- 21. Energy efficient home improvement tax credit
- Check the insurer’s financial strength
- Hotel status
- 18. Woodworking or furniture building
- Section 184 Indian home loan
- 4. Minimize restaurant spending
- 2. Use a Hyatt credit card during your stay to earn even more points
- Sales load
- 5. Focus on investing for the long-term
- Cryptocurrency pros
- 73% of business owners feel the impact of supply chain issues
- Cosmetic or elective surgeries
- 6. Seven Corners (Basic plan: $75)
- Student away-at-school discount
- J.D. Power Ranking
- Invest
- 11. Electronics repair
- Best insurance company for having few customer complaints: American Family
- 17. Selling handmade goods
- Self-funding
- 1099-MISC
- Compare car insurance rates for drivers with a DUI
- Step 6: Find and maintain clients
- Cheapest full coverage car insurance in Florida for 30-year-olds
- More from NerdWallet
- 17. EBay Up & Running Grants
- 15. Return protection
- An example of buying a put
- 8. Establish a marketing plan for growth
- Marketing and SEO winner: Weebly
- Nonresident status rules
- Step 4: Obtain business permits, licenses, and insurance
- Gifting large sums of money to family
- Hyatt hotels
- Hurricanes
- CoreFund Capital
- Cost
- Vanguard Growth Index Fund (VIGAX)
- 20. Become a resume writer
- Write an honest description
- 2020-2022 earned income credit amounts
- Justine Petersen
- Our pick for: No security deposit, low annual fee
- 22. Electric vehicle tax credit
- Personal loan
- 11. Stick to your budget
- Is Trust Wallet right for you?
- 2. Fund your account
- 65% of small-business owners expect revenue to increase
- Routine and wellness care
- 4. Explore your financing options
- Cell phone protection coverage
- 8. Buy a rental property
- The details
- Be realistic about the process
- Methods of payment
- Food and beverage
- 18. Grants.gov
- 16. Extended warranty
- Testing a resistance level
- California earned income tax credit (CalEITC)
- Pest inspection
- Transfer partners
- 19. Graphic design
- Winner: British Airways
- Home and property disaster loans
- Cryptocurrency cons
- Amenities
- Templates and tools
- The 10 largest lottery jackpots
- NCQA Score Range: 2.5 to 4.5 out of 5
- Lean FIRE
- 7. Collect tips from viewers
- 18. Virtual thrift shop
- Cheapest car insurance for young drivers
- Vanguard Small Cap Index Fund (VSMAX)
- Conventional loans
- 21. Open a coworking space
- 1099-NEC
- 6. Manage your stock portfolio
- 9. Petsitter
- Discover it® Chrome
- Research the insurer’s reputation for customer service
- 5. Get discounts on entertainment
- Low-risk vs. high-risk investing strategy
- Paying for vacations, cars or other stuff
- 55% of business owners expect all accepted payment methods to eventually become digital
- Breeding
- Perks that are the same across cards
- Home purchase: Basic Home Mortgage 203(b)
- Pay off debt
- Our pick for: Maximized value
- 9. Become an Instagram influencer
- Financial assistance
- Price clothes to sell
- Varo Believe Secured Credit Card
- Flooding
- 10. Market your laundromat
- J.D. Power
- California young child tax credit (YCTC)
- 2. Know your own ESG criteria
- Prepaid expenses
- 9. Capital One Venture Rewards Credit Card
- Customer support winner: Tie
- 20. Clothing boutique
- British Airways
- FHA loans for disaster victims
- 6. Manage your stock portfolio
- How we review crypto wallets
- 3. Do your research
- Single Point Capital
- Email campaigns
- 9. Rent out your own house
- Some NerdWallet favorites: General travel
- 1. Has the W-4 form changed?
- Vanguard Total International Stock Index Fund (VTIAX)
- Cheapest minimum coverage car insurance in Florida for 30-year-olds
- 19. GrantWatch
- 4. Saving money
- Giving a laid-back loan
- ETFs vs. mutual funds
- 21.6% of small businesses cite a large negative effect on business due to the pandemic
- Pet liability
- Average car insurance costs after a speeding ticket
- Hyatt hotels
- Fat FIRE
- FHA refinance loans
- 12. Academics courses
- 19. Affiliate marketing
- FHA loans
- 22. Become an online coach
- 1099-OID
- Our pick for: Bank of America® customers
- 17. Rental car coverage
- California child and dependent care tax credit
- 21. Bed and breakfast
- 12. Make the most of walk-throughs and open houses
- 6. Map out major purchases
- Do-it-yourself vs. hiring professional help
- 4. Buy the stock
- What makes it different?
- Hail
- Forms and landing pages
- 7. Travelex Insurance Services (Basic plan: $71)
- Loyalty discount
- Tax credits for green purchases
- PJ’s Coffee
- Ink Business Unlimited® Credit Card
- NCQA
- Step 9: Plan for emergencies — both financial and others
- 3. Choose ESG investments
- Tax monitoring and research fees
- 8. Hire staff
- Card ecosystem
- Step 5: Secure startup funding
- Setting up joint bank accounts
- Management or advisory fees
- 10. Get a roommate
- Barista FIRE
- Repeat
- 2. What does it mean to be exempt from taxes?
- 20. Accounting or bookkeeping
- 23. Flip failing websites
- 1099-PATR
- 4. Confirm your flight change
- 10. Moving services
- 18. Trip cancellation or interruption insurance
- NJM: Best small regional insurer
- Our pick for: No security deposit, low annual fee, potentially high credit limit
- California adoption cost tax credit
- 22. Food truck
- Lufthansa
- Performance reports and analytics
- Multiple cars discount
- Find your niche
- 10. Monetize your Twitch channel
- Step 7: Invest in advertising and expanding
- Fully underwritten life insurance
- Our pick for: Bank of America® customers
- Tornadoes
- Kiva U.S.
- Ledger: 5.0 out of 5 stars
- Title-related costs
- ETFs vs. stocks
- Alternative investment passive income ideas
- FHA renovation loans
- 13. Language courses
- Best insurance company for financial strength: Auto-Owners
- Scooter’s Coffee
- Cheapest auto insurance for senior drivers
- 24. Become a web developer
- 1099-Q
- Cheapest auto insurance in Florida for 30-year-olds with poor credit
- Ink Business Cash® Credit Card
- California nonrefundable renters tax credit
- Above-the-line deductions
- 10. Hilton Honors American Express Aspire Card
- NYC tax rate schedule
- 7. Restrict online shopping
- Cost
- 96% of small-business owners have business bank accounts
- Tornadoes
- Customer support
- Multiple policy (bundling) discount
- Some NerdWallet favorites: Co-branded
- 21. Telemarketing
- 19. Trip delay reimbursement
- 23. Restaurant or cafe
- 13. Don’t skip the home inspections
- Average car insurance costs after a DUI
- Other specialty FHA loans
- 25. Start a podcast
- 1099-R
- Veteran Business Outreach Centers
- 9. Write your day care contract and policies
- 5. Stock your vending machine with inventory
- 11. Peer-to-peer lending
- The Coffee Bean and Tea Leaf
- 3. When should I review my W-4?
- 22. Online personal assistant
- Simplified issue life insurance
- 11. Pool cleaning
- Trezor: 4 out of 5 stars
- 20. Lost luggage reimbursement
- Below-the-line deductions
- 24. Craft brewery
- 60% reported no impact from recent bank failures
- Wildfires
- 26. Be a social media influencer
- 1099-S
- 5. Find your flight credit
- Step 6: Market your window-washing business
- 8. Delay purchases with the 30-day rule
- Be authentic
- 14. Business or marketing courses
- 23. Data entry
- 11. Sell your photography
- The details
- Compare auto insurance rates for drivers with poor credit
- Pros
- Cheapest auto insurance in Florida for 30-year-olds with one speeding ticket
- Want to learn more about credit scores?
- 21. Medical emergencies during travel
- Our pick for: Average credit and rewards
- Credit required
- 14. Negotiate with the seller
- 401(k) fees
- 4. Can I adjust my W-4 multiple times throughout the year?
- Guaranteed issue life insurance
- Service-Disabled Veteran-Owned Small Business Program
- Real estate agent commissions
- 25. Ice cream shop
- 12. Private equity
- Automatic payments discount
- 24. Transcription
- 27. Create online courses
- 1099-SA
- 12. Bike rental business
- Grameen America
- SafePal: 3.8 out of 5 stars
- 9. Get creative with gifts
- Cons
- 6. Make the right investments
- Our pick for: Prime gaming
- Our pick for: Paying rent
- Want to find a credit card?
- USAA: Best for military and veterans
- Property and transfer taxes
- 26. Personal chef
- Over half of small businesses have $50,000 or more in their business banking accounts
- Coverage limits
- Serve your audience and set small goals
- 15. Personal wellness
- 25. Travel planning
- 28. Become a marketing consultant
- Cons
- Boots to Business
- Overseas acceptance
- 15. Buy adequate home insurance
- Early shopper discount
- What should you do if you’re invested in these REITs?
- Best insurance company for discounts: Amica
- Cheapest auto insurance in Florida for 30-year-olds with one at-fault crash
- Title insurance
- 27. Landscape services
- 13. Canoe and kayak rental business
- Our pick for: Lyft rides
- Methodology
- 10. Lower your car costs
- 13. Crypto staking
- Paid-in-full discount
- Use multiple strategies
- 26. Cybersecurity and IT consulting
- 29. Develop an app
- Institute for Veterans and Military Families
- Our pick for: Average credit and no annual fee
- Apple Cash: digital card
- 28. Pet grooming
- Winner for lowest fees: Spirit
- Step 7: Prepare yourself for the day-to-day operations
- Deductibles
- 12. Become a dog walker with Rover or Wag
- 5. Maximizing your credit cards
- Look up the insurer’s financial strength
- Paperless discount
- 16. Courses in hobbies or interests
- 29. Florist
- 11. Reduce your gas usage
- 30. Make a smart appliance
- Cheapest auto insurance in Florida for 30-year-olds after a DUI
- 14. Miniature golf course
- Veteran Women Igniting the Spirit of Entrepreneurship
- Winner for the best airline credit card: United
- 1. Open a brokerage account
- Reimbursement amounts
- Average annual car insurance costs for drivers with good vs. poor credit
- If you’d rather be a free agent
- Benefits of FHA loans
- 27. Online therapy
- Cash App debit card
- 31. Tap into virtual reality experiences
- Pros
- Research the insurer’s reputation for customer service
- 30. Massage therapist
- Product creation passive income ideas
- Disadvantages of FHA loans
- 17. Bookkeeping and accounting
- 28. PR consulting
- 13. Sell unused gift cards
- Veteran Institute for Procurement
- 1. Look at customer satisfaction scores
- 12. Bundle cable and internet
- Business credit cards
- 32. Make a niche dating site
- Cons
- Our pick for: Limited credit
- 2. Find the ETFs you want to invest in
- Individual stocks
- 15. Pedicab
- Erie: Most generous coverage
- 2. Consider financial strength
- 14. Write content
- 29. Podcasting
- 33. Develop a chatbot
- Office of Small & Disadvantaged Business Utilization
- 31. Nutritionist
- 13. Switch your cell phone plan
- Business line of credit
- 18. Consulting
- Our pick for: Target gaming purchases
- Best insurance company for customer satisfaction: State Farm
- Cheapest full coverage car insurance in Florida for 40-year-olds
- 6. Borrowing money
- 3. Evaluate the policy options
- 3. Buy the ETF
- Pros
- 14. List your spare bedroom on Airbnb
- 34. Offer matchmaking skills
- Compare insurance rates for drivers with an accident
- 1. Understand your eligibility requirements
- 32. Personal trainer or fitness instructor
- Ask about discounts
- 30. Life coaching
- 16. Farmers market
- State and local governments
- 4. Hold onto the ETF
- Cons
- Dividend stocks
- 35. Be a virtual assistant
- 4. Get prices from a handful of companies
- 14. Reduce your electric bill
- Consider overall premium cost, not just discounts
- Our pick for: Military and qualifying family members
- Our pick for: Good credit
- 33. Beauty services
- How much is auto insurance for young drivers?
- 31. Video production
- Cheapest minimum coverage car insurance in Florida for 40-year-olds
- 15. Publish a digital course
- Shop around
- 19. IT support
- 36. Reinvent exercising
- 2. Find and choose a microlender
- 34. Life coach
- 15. Lower your student loan payments
- 32. Resume writing and career coaching
- 17. Summer camp
- 37. Create eco-friendly, health-friendly makeup and beauty products
- Nationwide: Best online experience
- Car-related passive income ideas
- Best insurance company for military members: USAA
- 15. Sell your gently used clothes
- 3. Submit your application
- 16. Cancel unnecessary subscriptions
- 20. Graphic design
- 33. Dropshipping
- 38. Open a food truck or restaurant pop-up
- Cheapest auto insurance in Florida for 40-year-olds with poor credit
- What is a prepaid debit card?
- 35. Tutor
- Our pick for: Travel
- 16. Wrap your car with ads
- 39. Start an organization business
- 18. Surf school
- 36. Daycare provider
- 17. Refinance your mortgage
- What is a prepaid credit card?
- Average annual car insurance costs for young drivers by company
- Our pick for: Walmart gaming purchases
- 34. Recruiting
- 40. Do interior design for young professionals
- 17. Rent out a parking space
- 21. Social media management
- 16. Trade in old phones, electronics for cash
- Cheapest auto insurance in Florida for 40-year-olds with one speeding ticket
- Where can you get a prepaid card?
- 37. Senior care provider
- 18. Set savings goals
- 35. Marketing consulting
- 19. Horseback riding lessons
- Openly: Fewest consumer complaints
- How do you add money to a prepaid card?
- 38. Interpreter or translator
- 36. Online fundraising or grant writing
- Our pick for: Instant gratification
- Our pick for: Avid Amtrak users
- Which prepaid card is best?
- 39. Housecleaning
- 22. Marketing copywriter
- 37. Online course teaching
- 17. Get a babysitting gig
- Cheapest auto insurance in Florida for 40-year-olds with one at-fault crash
- 19. Track spending
- 38. Online cooking instruction
- 7. Your credit score
- 40. Automotive repair
- 23. Virtual assistant services
- 1. Gather your information
- 20. Challenge course
- 20. Pay off high-interest debt
- 41. Handyman services
- Our pick for: PlayStation purchases
- 39. YouTube channel
- 18. Rent out your car
- Cheapest auto insurance in Florida for 40-year-olds after a DUI
- Our pick for: Personalized rewards
- 21. Keep savings in a high-yield savings account
- 42. Dry cleaners
- If you want both brand-specific perks and flexible points
- 40. Voiceover work
- State Farm: Best perks
- 2. Choose the right liability car insurance coverage levels
- 43. Hardware store
- 22. Create a 50/30/20 budget
- 1. Do your research
- 41. Start a team
- 19. Sign up for TaskRabbit
- 44. Self-storage business
- 2. Get organized and make it official
- Cheapest full coverage car insurance in Florida for 50-year-olds
- 45. Freelance copywriting and content creation
- 23. Shop consignment and thrift stores
- How do you want to make money?
- 46. Rideshare driver
- 3. Find the right financing
- 20. Become a private tutor
- How will you find work?
- Cheapest minimum coverage car insurance in Florida for 50-year-olds
- 47. Website development and design
- 48. Sell clothes online
- Our pick for: Best Buy purchases
- How much autonomy do you want?
- 3. Decide if you need full coverage car insurance
- You’re a first-time home buyer
- 24. Join initiatives to get free items
- 21. Drive for Uber, Lyft
- 8. Taxes
- 49. SEO consultant
- Cheapest auto insurance in Florida for 50-year-olds with poor credit
- Trip cancellation
- 50. App development
- Airport lounge access
- You live in a high-risk area
- 25. Use car sharing services
- Trip interruption
- 22. Make deliveries for Amazon, Uber Eats
- Cheapest auto insurance in Florida for 50-year-olds with one speeding ticket
- 9. Paying off debt
- Trip delay
- You have a dog
- 26. Stock up on household supplies when they’re cheap
- 4. Collect and compare car insurance quotes
- In-flight extras and checked bags
- 23. Find work as a housesitter
- Cancel For Any Reason
- Cheapest auto insurance in Florida for 50-year-olds with one at-fault crash
- You own valuable items
- 27. Enjoy community events
- Our pick for: Digital Microsoft Store purchases
- Baggage delay
- Global Entry and TSA PreCheck
- 24. Sign up to be a mystery shopper
- You own an older home
- 28. Cash in on your birthday
- Cheapest auto insurance in Florida for 50-year-olds after a DUI
- Lost baggage
- Bonus points on spending
- Travel medical insurance
- 25. Put your drone to work
- Compare car insurance companies
- Cheapest full coverage car insurance in Florida for 60-year-olds
- Conditions common to your dog’s breed
- Trip insurance benefits
- Cheapest minimum coverage car insurance in Florida for 60-year-olds
- 10. Insurance
- Your dog’s energy and activities
- Cheapest auto insurance in Florida for 60-year-olds with poor credit
- Car rental coverage
- Wellness expenses
- Cheapest auto insurance in Florida for 60-year-olds with one speeding ticket
- 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 Florida for 60-year-olds after a DUI
- 11. Investing
- 1. Check whether your pet is eligible
- 2. Research what’s covered
- 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
- 4. Understand reimbursements and deductibles
- Cheapest auto insurance in Florida for 70-year-olds with poor credit
- 5. Check waiting periods
- Cheapest auto insurance in Florida for 70-year-olds with one speeding ticket
- 12. Starting or running a business
- 6. Examine extra costs
- Cheapest auto insurance in Florida for 70-year-olds with one at-fault crash
- 7. Compare quotes
- 13. Travel
- Cheapest auto insurance in Florida for 70-year-olds after a DUI
- The NerdWallet Smart Money podcast
1. Roll your debts onto a balance transfer credit card
0% introductory APR period.
A year or more to pay off debt without interest.
Requires good to excellent credit to qualify.
Usually carries a balance transfer fee.
Higher APR kicks in after the introductory period.
Also called credit card refinancing, this option transfers credit card debt to a balance transfer credit card that charges no interest for a promotional period, typically 15 to 21 months. You’ll need good to excellent credit (690 credit score or higher) to qualify for most balance transfer cards.
A good balance transfer card will not charge an annual fee, but many issuers charge a one-time balance transfer fee of 3% to 5% of the amount transferred. Use NerdWallet’s balance transfer savings calculator to see whether the interest you save over time will wipe out the cost of the fee.
Aim to pay your balance down completely before the 0% intro APR period is over. Any remaining balance after that time will have a regular credit card interest rate.
» COMPARE: Best balance transfer credit cards
2. Apply for a credit card consolidation loan
Fixed interest rate means your monthly payment won’t change.
Low APRs for good to excellent credit.
Direct payment to creditors offered by some lenders.
Hard to get a low rate with bad credit.
Some loans carry an origination fee.
Credit card consolidation loans, also called debt consolidation loans, are fixed-rate loans that come in a lump-sum, ranging from $1,000 to $50,000, with terms up to seven years. You can apply for a consolidation loan at your local credit union, bank or through an online lender.
Credit unions are not-for-profit lenders that may offer their members more flexible loan terms and lower rates than other lenders, especially for borrowers with fair or bad credit (689 credit score or lower). The maximum APR charged at federal credit unions is 18%. You’ll need to become a member before you apply for a consolidation loan, but membership is typically quick and affordable.
Bank loans provide competitive APRs for good-credit borrowers, and benefits for existing bank customers may include larger loan amounts and rate discounts. If you have a good relationship with your bank, ask what their consolidation options are before committing to another lender.
Online lenders offer debt consolidation loans for borrowers across the credit spectrum, so they’re a good option if you can’t qualify through a credit union or bank. Most online lenders also let you pre-qualify without affecting your credit score, which is less common among banks and credit unions. Pre-qualifying gives you a preview of the rate, loan amount and term you may get once you formally apply.
Look for lenders that offer special features for debt consolidation. Some lenders, for example, will discount the rate on a debt consolidation loan or send the loan funds directly to your creditors, simplifying the process.
Use NerdWallet’s debt consolidation calculator to enter all of your debts in one place, see typical rates from lenders and calculate savings.
» COMPARE: Best credit card consolidation loans
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3. Tap your home equity for a loan or line of credit
Typically lower interest rates than personal loans.
May not require good credit to qualify.
Long repayment period keeps payments lower.
You need equity in your home to qualify, and a home appraisal is usually required.
Secured with your home, which you can lose if you default.
If you’re a homeowner, you may be able to take out a loan or line of credit on the equity in your home and use it to pay off your credit cards or other debts. This is an option for borrowers who can’t qualify for credit elsewhere.
A home equity loan is a lump-sum loan that you pay back with a fixed interest rate, meaning you’ll have predictable monthly payments and a clear finish line. However, these loans are less flexible than a line of credit, which works like a credit card with a variable interest rate.
A HELOC, or home equity line of credit, often requires interest-only payments during the draw period, which is usually the first 10 years. That means you’ll need to pay more than the minimum payment due to reduce the principal and make a dent in your overall debt during that time.
Since both of these types of credit are secured by your house, you’re likely to get a lower rate than what you would find on a personal loan or balance transfer credit card. However, you can also lose your home if you don’t keep up with payments.
4. Borrow from your 401(k)
Lower interest rates than unsecured loans.
No impact on your credit score.
Reduces your retirement fund.
Heavy penalty and fees if you can't repay.
If you lose or leave your job, you may have to quickly pay back your loan.
If you have an employer-sponsored retirement account like a 401(k) plan, you can typically borrow up to half the amount (with a $50,000 maximum), for a term up to five years, to help pay off your debts. These loans usually come with single-digit interest rates, so they’re much cheaper than credit cards, and any interest you pay goes back into your account. Another benefit is this loan won’t show up on your credit report, so there’s no impact on your score.
But taking out a 401(k) loan is very risky. Not only can it significantly impact your retirement savings, if you can’t repay, you’ll owe a hefty penalty plus taxes on the unpaid balance, and you may be left struggling with more debt.
Plus, if you lose your job or quit, the loan is automatically due on tax day of the next year.
Consider a 401(k) loan only after you’ve ruled out balance transfer cards and other types of loans.
5. Enter a debt management plan
Fixed monthly payments.
May cut your interest rate by half.
Doesn't hurt your credit score.
Startup fees and monthly fees are common.
It may take three to five years to repay your debt.
Debt management plans roll your credit card balances into one monthly payment at a reduced interest rate. You then pay it off over three to five years. These plans work best for those who are struggling to pay off credit card debt but don’t qualify for other options because of a low credit score.
Unlike other credit card consolidation options, opting into a debt management plan won’t hurt your credit score, and if you’re able to make payments on time, it should help.
But debt management plans typically come with fees, so you’ll want to verify the fee amounts and how they affect your overall payoff plan before making a commitment. Going through a nonprofit credit counseling agency is a good way to find an affordable debt management plan.
If your credit card debt is more than 40% of your income and can’t be repaid within five years, bankruptcy may be a better option than a debt management plan.
» MORE: Compare debt payoff strategies
What is credit card consolidation?
Credit card consolidation is when you use another credit product to pay off your credit card balances in one fell swoop. You’re then left with only one payment on your new debt.
For consolidation to make sense, the new debt should have a lower annual percentage rate than your credit cards, so you save money on interest. You can even apply that savings back to your debt, which will shorten the payoff period and get you out of debt faster.
How does credit card consolidation work?
Credit card consolidation works by using a different credit product to pay off your credit card balances at a lower interest rate. The logistics depend on which product you choose.
For example, if you go with a credit card consolidation loan, you’ll need to apply for the loan with a bank, credit union or online lender. Once approved, you’ll receive the money in your account, which you can use to pay off your credit cards.
If you have $10,000 in debt across four credit cards, you’d apply for a $10,000 loan then individually pay off each of the four cards (some lenders offer to pay off your cards for you). You’re then left with one fixed payment on the consolidation loan, which you make monthly, until the loan is paid off in full.
» MORE: How do consolidation loans work?
Is consolidating credit card debt a good idea?
Consolidating credit card debt is a good idea if you can qualify for a low enough interest rate and pay off the debt during the allotted time period, which will vary based on the consolidation product you choose.
You’ll also want to be certain you can keep your credit card balances at or near zero while you pay off the new debt. For example, if you take out a consolidation loan to pay off your credit cards, but then accumulate a balance on your credit cards again, you’ll be in a worse position than when you started.
Can I still use my credit card after debt consolidation?
If you consolidate your credit cards, you can still use them. Consolidating just means you’re paying them off, so your balances will be at zero, but the cards themselves will remain open unless you take the step of closing them.
Closing a credit card can hurt your credit score. Financial experts often suggest tieing a small recurring expense, like your monthly phone bill, to the card to keep it active. Avoid paying for nonessential expenses with your credit card, since this could delay getting out of debt.
Debt consolidation rolls multiple debts, like high-interest credit cards or loans, into a single payment.
The best way to consolidate credit card debt depends on how much debt you have, your credit score and what existing financial resources you can pull from, but popular options include balance transfer cards and consolidation loans.
A consolidation loan might be better than paying off credit cards on your own if you can qualify for a lower interest rate than the average rate on your cards. This would reduce interest costs, lower your monthly payment and potentially get you out of debt faster.
Consolidating debt affects your credit in a few ways. Your credit score may temporarily dip when a lender or card issuer does a hard credit inquiry. Making a late payment on your consolidation product can also hurt your credit. But if you pay on time and stay out of debt in the future, the overall effect could be positive.
rolls multiple debts, like high-interest credit cards or loans, into a single payment.
The best
way to consolidate credit card debt
depends on how much debt you have, your credit score and what existing financial resources you can pull from, but popular options include balance transfer cards and consolidation loans.
A
consolidation loan
might be better than paying off credit cards on your own if you can qualify for a lower interest rate than the average rate on your cards. This would reduce interest costs, lower your monthly payment and potentially get you out of debt faster.
Consolidating debt affects your credit
in a few ways. Your credit score may temporarily dip when a lender or card issuer does a hard credit inquiry. Making a late payment on your consolidation product can also hurt your credit. But if you pay on time and stay out of debt in the future, the overall effect could be positive.
on NerdWallet