We’re well into the New Year now, and hopefully you’re making progress on all of your new year’s resolutions — especially the financial ones. But what if you’re not? Sometimes it’s easy to forget about our goals for the year almost as quickly as we set them. And sometimes a minor setback can cause us to give up hope of accomplishing something. read more..

Are you in over your head with credit card debt spread across multiple credit card accounts? If so, debt consolidation might be a good option for you. That’s when you use a single line of credit (like a loan or balance transfer credit card) to pay off your current accounts. Then you have a single larger debt, or at least fewer debts. Ideally, debt consolidation leads to better repayment terms, such as lower interest rates. read more..

If you’re currently in credit card debt, wouldn’t it be nice to get on the path now towards a debt-free future? Even if you can’t afford to pay off all of your current debt at once, there are little steps you can take today that can help you live a debt-free life down the road.

Let’s explore five things you can do to get out of debt and build a future for yourself that doesn’t include an over-reliance on credit. read more..