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How Nonprofit Credit Counseling Works and What It Costs

By Jason Levy | September 10, 2026

When you keep sending money to your credit cards but the balances barely budge, it’s easy to wonder what you’re missing. A credit counselor can help you sort through the…

Debt Management vs. Debt Settlement vs. Debt Consolidation

By Jason Levy | September 9, 2026

Debt relief has a vocabulary problem. Debt management, debt settlement and debt consolidation sound like three versions of the same idea. They aren’t, and choosing among them can affect your…

Buy Now, Pay Later Debt: How to Escape the BNPL Trap

By Jason Levy | September 4, 2026

Buy now, pay later can make almost anything feel affordable. Instead of seeing a $200 total, you see four payments of $50. That may fit your budget just fine. But…

Cash Stuffing: Does the Viral Budgeting Method Work?

By Jason Levy | September 3, 2026

Cash stuffing gives your budget something a banking app may not: a physical stopping point. You place a set amount of cash in envelopes for groceries, dining out and other…

Does My Child Have a Credit Report?

By Phil Sheridan | September 2, 2026

A technical revolution took place in the past couple of decades, changing the way we do most anything — including whose name appears on credit card bills. It could be…

Should I Use My Savings to Pay Off Debt?

By Alan Schmadtke | September 2, 2026

Financial experts typically agree on a handful of principles, two of which are to save money and not to carry too much debt. Those two guidelines sometimes battle each other,…

Personal Loan vs. Debt Consolidation: Finding Your Best Path to Debt Relief

By Robert Shaw | July 31, 2026

In the same way all bourbon is whiskey, but not all whiskey is bourbon, debt consolidation loans can be seen as a subset of personal loans. Understanding the difference –…

Pros & Cons of a Debt Management Program

By Jason Levy | June 26, 2026

A debt management program can feel like a lifeline when credit card balances keep growing faster than you can pay them down. Instead of juggling multiple bills, due dates and…

What Are the Disadvantages of Paying Off Debt?

By Michael Knisley | June 10, 2026

Wait WHAT? You mean there might be downsides to getting out from under debt before I have to? Isn’t it always a good thing to get my balances down to…

Bank Account Negative Balance: What to Do and What Happens Next

By Alan Schmadtke | June 10, 2026

If you face a time when money is tight or when a few unexpected bills hit, you may also experience the challenge of a negative bank account — commonly known…