Managing Debt

We want to help you get control of your debt. Get advice from our experts on strategies for paying down your debt without hurting your credit score, negotiating with lenders, and managing interactions with debt collectors. We also explain bankruptcy options, your rights as a borrower and what you can and cannot do with student loan debt. Also, get inspiration from other readers who have managed to go debt-free.

3 Rules to Live by If You Want to Get Out of Debt

3 Rules to Live by If You Want to Get Out of Debt

3 Rules to Live by If You Want to Get Out of Debt

When you’re so good at saving money that you can retire at age 31, people understandably want to hear your money tips. That’s how Clark Howard ended up with his own radio show, where he takes consumers’ questions about all things personal finance. As it often is, debt has been a popular topic recently, and Howard... Read More

5 Ways to Avoid a Ridiculously High Medical Bill

5 Ways to Avoid a Ridiculously High Medical Bill

5 Ways to Avoid a Ridiculously High Medical Bill

Of all the things that are stressful about personal finance, medical bills might be the worst. The events leading up to medical bills are difficult if not impossible to predict. On top of that, healthcare pricing is inconsistent, medical bills are often inaccurate and a lot of people have trouble understanding their health insurance coverage.... Read More

5 Ever-So-Simple Strategies for Paying Off Debt in 2017

5 Ever-So-Simple Strategies for Paying Off Debt in 2017

5 Ever-So-Simple Strategies for Paying Off Debt in 2017

Want to pay off your debt and save more money in 2017? You’re not alone! According to one survey of Google search data, searches for “Spend Less/Save More” were up 17.47% from 2016. Want to achieve your get-out-of-debt goal? If so, we recommend trying one of the five strategies here. 1. The Debt Snowball This... Read More

How to Handle Debt & Maintain Your Mental Health

How to Handle Debt & Maintain Your Mental Health

How to Handle Debt & Maintain Your Mental Health

It’s no secret that most people feel lousy when they’re in financial trouble, and one of the biggest financial stressors seems to be debt. When you’re in debt, simple tasks like going to your mailbox, where you anticipate finding an avalanche of bills or overdue notices, can bring on stress. If you relate to this... Read More

How to Pay Off Your Holiday Debt in 30 Days

How to Pay Off Your Holiday Debt in 30 Days

How to Pay Off Your Holiday Debt in 30 Days

Now that the holiday lights are fading and the joy of gift-giving has dimmed, there’s a good chance you’re facing a December credit card balance you just can’t quite pay off in full. The National Retail Federation predicted back in November that Americans would spend an average of $935.58 during the 2016 holiday shopping season. And, if... Read More

Can a Debt Collector Call Me During the Holidays?

Can a Debt Collector Call Me During the Holidays?

Can a Debt Collector Call Me During the Holidays?

Getting a call from a debt collector looking to recoup on an old debt you owe is never exactly pleasant, and it’s probably the last thing you want to deal with during the most wonderful time of the year. After all, who wants to excuse themselves from Christmas dinner just so they can sort out that cable... Read More

3 Things to Do When Your Credit Card Balances Get Out of Control

3 Things to Do When Your Credit Card Balances Get Out of Control

3 Things to Do When Your Credit Card Balances Get Out of Control

One of the key numbers in your financial life is your debt-to-credit ratio. It has a huge impact on your credit score, and on your budget. Basically, your debt-to-credit ratio is how much debt you carry versus how much credit you have available collectively and on individual revolving accounts, like a credit card. Like other... Read More

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