An Easy Way To Eliminate Your Credit Card Debt Without Hurting Your Credit

An Easy Way To Eliminate Your Credit Card Debt Without Hurting Your Credit

There are millions of Americans out there who have paid off heavy credit card debt, and you may just be the next one. Removing all credit card debt isn’t enough, however, by just making minimum monthly payments. In fact, you just need to do a little more than just paying the minimum monthly payments; you can save thousand of interests and shorten many years in settling your credit card debt. To give you a better picture how it work, let use a case study to elaborate the solution.

5 Ways to Avoid High Debt as a Young Adult, Your Parents Didn’t Tell You

5 Ways to Avoid High Debt as a Young Adult, Your Parents Didn’t Tell You

Did you know that many young adults go into serious debt within the first 5 years of being on their own? Mostly because they apply for every single credit card out there, have high-interest rates on said cards, get a vehicle with a car payment that also has a super high-interest rate, an apartment with a high rent not factoring in their income, schooling costs, etc. Within the first 6 months, you burn yourself out because you now had to pick up a second job just to cover the gas and utilities for the car and apartment that you just had to have. So now you’re barely breaking even and have racked up over $15,000 in debt just on your credit cards and you haven’t even factored in your college loans yet.

Purchase or Lease? Which Is Best for You When Buying a New Vehicle?

Purchase or Lease? Which Is Best for You When Buying a New Vehicle?

This past February my husband and I leased our first brand new vehicle. At the time it was the best option for us because we literally have NO credit. Well, he had no credit, I had horrible credit and refused to co-sign which is a totally different post I’ll probably discuss at another time. We wanted a truck because we go camping, haul stuff for his parents, and we’re planning on moving so the smaller the moving truck we need, the better. So we settled on a brand new Ford F-150. The color is a beautiful blue, and it rides so nicely.

What I Learned From My Own Budgeting Mistakes + FREE Printable

What I Learned From My Own Budgeting Mistakes + FREE Printable

Just like everyone else, I’ve had my fair share of budgeting mistakes. I’m not going to give you any “textbook” budgeting tips that every other financial advisor gives you. Partially because I’m the furthest thing from a financial advisor that you’ll ever know or speak to. Over the past few years, my husband and I have struggled with saving money. We’ve tried, but one thing after another just keeps knocking us down on our asses. (Mostly my fault, but don’t tell him that. I like to blame it on him sometimes! LOL).

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