Negotiating Lower Rates

Yes, you read that correctly. You can actually negotiate lower interest rates with your credit card company or bank. It’s all in how you handle the situation though, that could land you better monthly rates. You have to consider the investment on their end. They gave you a certain amount Read more…

Freezing Your Credit Cards

Freezing your credit cards is a great method for keeping identity thieves at bay. For a small fee, you can essentially prevent anyone from looking up your credit information and subsequently render access to loans, mortgages, and general use impossible. While this is a good idea to keep thieves from Read more…

Debt Snowball

Many people find themselves reading about the debt snowball method of reducing debt when doing online research. The question you’re probably asking yourself is “Does this actually work?” The short answer is yes. The snowball method has many benefits and practical applications. In a sense, you simply pay off your Read more…

Oprah’s Debt Diet

You might have heard of Oprah’s take on debt management, the debt diet strategy. In it, she describes a systematic way to go down few sizes on your metaphorical debt waist. Oprah gets down to the bare essentials of your financial problems with a series of tips and tricks that Read more…

Government Debt Help

The government is probably your best friend when it comes to receiving debt help, especially if you have student loans. They offer a variety of websites dedicated to giving you helpful tips and advice on certain policies that will help you eliminate your debt. They also help people that meet Read more…