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5 Ways to Consolidate Credit Card Debt
Lead Writer | Buy now, pay later loans, debt consolidation, personal loans
Lead Assigning Editor | Consumer lending
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
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Many people struggle with credit card debt at one point or another, and the higher your balances, the harder it can be to pay them off, especially when you consider compounding interest.
Consolidation is a way to move high-interest debt onto a lower-interest product, like a balance transfer credit card or a credit card consolidation loan, which then makes it easier to pay off. But this strategy isn’t for everyone, and you should weigh your consolidation options carefully.
The best choice will depend on how much debt you have, your credit score and other factors explained below.
on SoFi's website
on SoFi's website
Best ways to consolidate credit card debt
Here are five effective and safe ways to pay off your credit card debt:
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- 20% of your income: savings and debt
- 3. Explore funds over individual stocks
- Delta Sky Club
- 3. Choose how much you want to invest
- EARN MORE POINTS WITH A MARRIOTT BONVOY CREDIT CARD
- Event and travel fees will be more transparent
- PLLC vs. general partnership
- Opting out of coverage
- Cash reserves
- Cons of investing in China stocks
- 4. Delta Air Lines
- Cheapest full coverage car insurance in Florida for 20-year-olds
- Boston
- Fidelity Investments
- Chubb
- 4. Sell lemonade in the summer or hot cocoa in the winter
- Should you gamble on meme coins?
- Avis President's Club
- 5. Lounge access
- Contact your previous employer
- 2. Look into suburban venues
- Protections still lacking
- Buy park-to-park tickets
- 0% balance transfer credit card
- What happens if I can't repay a payday loan?
- 2. Trust in diversification
- 2. The credit card's fees
- Cash-out refinance
- Itemizing
- Downsides
- Find an in-network ATM abroad
- ASPCA
- Upgraded hotel stays and car rentals
- Credit Karma
- Use Schedule A
- Does basic economy get a carry-on on United?
- When your credit score is high
- 3. Consider a brokerage account
- 3. United Polaris
- Straightforward sign-up bonus
- Installation
- An account in collections
- Bank of America® Premium Rewards® Elite credit card
- Winner for most valuable airline credit card: Air Canada
- 6. Priority boarding and priority check-in
- Senior miners
- High annual fees or poor customer service
- 1. Exploration and production
- An example of buying a call option
- 2. If you have a 401(k), get your match
- Only certain types of transfers are allowed
- When can you avoid business insurance?
- 5. Event planning
- 4. $189 Clear Statement credit
- UFB Direct: Best savings account
- Avoid strapless tops or tank tops
- You often borrow other people’s cars
- Property tax deduction
- Lower annual fee
- 5. Workers' compensation
- Usury laws for payday lenders
- Payment plans through your card issuer
- For nonstudents ages 18 to 24
- 5. Automotive repairs
- 3. Commodities
- Wood-destroying organism (WDO) inspection
- 3. Set up balance alerts to stay on top of spending
- 1. Can the borrower pay its bonds?
- Formal two weeks’ notice template
- Step 4: Refine your withholdings
- If you're 59½ or older and the account is at least 5 years old
- Other domestic options
- 3. Evaluate other factors
- Chase Sapphire Reserve®
- In-town transit
- 4. St. Kitts Marriott Resort & The Royal Beach Casino
- Should you refinance your student loans?
- Municipal bonds
- Why improved credit isn't always a good reason to remove an authorized user
- Managing debt
- You are new to credit and have a short credit history
- Consider whether you want a referral system of care
- Consider changing your Alaska Airlines flight instead
- 4. Cash out your 401(k)
- Where MetaMask shines
- Deductions
- 1. Have a relationship with the lender
- Explore state housing finance agency programs
- Decentralized exchanges
- 2. Choose an investment account
- 2. Find and compare ETFs with screening tools
- Mortgage contingency
- 7. Curate subscription boxes
- Start with a budget
- 2. As an early step toward passing down wealth
- 3. Go through the security checkpoint
- 4. Fund your account and get started
- Free training
- Fly on the holidays (or as far from it as possible)
- 3. Claiming too many charitable donations
- Priceline guarantees occupancy for only two people per room
- 4. Lean on a tax professional
- Work longer — or part time
- To consolidate debt
- Economic Development Administration
- 3. Register your business name and entity
- Discover
- How much does an abortion pill cost?
- 6. The Plaza Restaurant
- 6. Siesta Key, Florida
- Take care of the car you have
- Southwest Rapid Rewards® Priority Credit Card
- When the statement balance and current balance are different
- Winner for reliability: Spirit
- Substantially equal payments
- Chase Freedom Flex℠ and Chase Sapphire Preferred® Card
- Disneyland Magic Key Passes
- 2. Pick a product to import or export
- Center for Women Entrepreneurs StartHER Grant
- 4.5-star plans
- 5. Peer-to-peer money transfer apps
- Value-Added Producer Grant
- Annual whole life insurance rates for nonsmokers
- 1. With more time for interest to accrue, you will pay more
- Videos
- Cost of paint and materials
- 1. Prior Lake
- 1. Multiply your income by 10
- Pros and cons of 529 plans
- 6. Adoption credit
- Auto loans
- Check-in
- Free fitness training
- The cons
- American Express® Business Gold Card
- Your dollars could become more valuable
- When is hurricane season in Puerto Rico?
- 3. Budget for emergencies
- 3. Learn to use AI tools
- Decentralized exchanges: Competitive prices, but more complex
- Step 2: Choose your market
- Craigslist, Facebook Marketplace, Nextdoor, OfferUp
- 1. States with no income tax
- Illinois tax deductions
- Long-term investors more than five years away from their goal:
- Redeem ConnectMiles for flights
- 5. Domestic and international stocks
- PenFed: Best for a seamless application process
- 4. Painting businesses are in demand
- Income tax upon exercise
- ETF cons
- Mortgage insurance
- 2. You must have owned the home for at least two years
- Enormous global footprint
- Best insurance company overall: Travelers
- CD penalty
- 4. Hilton Honors
- Our pick for: Intro APR + high rewards on everyday spending
- Where Ledger shines
- Determine if the car is selling for a fair price
- Fast Break for Small Business
- Buying a put example
- 4. Research stocks the right way
- 2. Verify their credentials
- 2. Points are easy to earn
- 4. Autozone Inc. (AZO)
- Is rental car coverage primary or secondary?
- Interchange
- Overdraft protection transfer and overdraft line of credit
- Documentation
- Uninsured and underinsured motorist coverage
- Your strategy: Cast a wider net
- When do you need a visa?
- Step 3: Ride the organic marketing train
- Los Angeles
- Services that charge renters
- 1. Credit identity theft
- 1. Make sure you’re eligible to get an EIN online
- 3. Find out if you’ve pre-qualified for a loan
- You can’t see the physical condition of the car
- 3. Trim the guest list
- 5. Profits
- 2. Get an accountability partner
- 6. Translation
- Personal loans
- Directly from the U.S. government through the TreasuryDirect website
- 5. Connect to members of your community, old and new
- The percentage method
- Down Payment Assistance Program
- 3. Marriott Bonvoy Brilliant® American Express® Card
- 2. Take a cut with affiliate marketing
- Examples of various charging scenarios
- Free night awards
- Cost of Florida flood insurance by city
- Choosing more than one trademark class
- Travel bonus reward rates
- Is it worth claiming medical expenses on taxes? Consider your filing status
- Cannabis-specific credit cards
- 3. The cost of owning them
- 3. Legitimize your operations
- Equity vs. debt
- If your employer offers a 401(k) match
- Ink Business Preferred® Credit Card
- Reduced basic economy restrictions
- You've graduated to a permanent card
- 4. Be smart about how you ask
- Resident status rules
- 1. Set up your Companion Pass online
- Cities with the top five annual rent price declines or smallest increases:
- International, global and emerging market funds
- 2. Create your envelope categories
- 6. Video production
- What fees do Chase checking accounts have?
- 5. Travel coverage
- Vio Bank: Best money market account
- How to dispute a medical bill on your reports
- Opt for modest jewelry
- Our pick for: Gas station spending
- How to maximize your rewards
- 3. Swagbucks
- 4. Robotics
- How this calculator works
- 1. Making money
- 6. Life insurance proceeds
- Personal property coverage
- Zengo Wallet: 4.8 out of 5 stars
- Do tipped workers earn the minimum wage?
- 3. Don’t use the money
- How to find an FHA Title 1 loan lender
- Reasons for unfreezing your credit
- Hawaiian Airlines
- 3. Pentagon Federal Credit Union (PenFed) Rewards
- Personal loans
- Forgiveness comes sooner
- Other fuel cards to consider
- Step 5: Sign and date your W-4
- If you are converting your 401(k) to an IRA
- Cheap one-way flights
- State Farm professional liability insurance
- Learn more about Zelle
- How to unfreeze credit with TransUnion
- Four Season Resort Lana’i Guest Lounge
- Can a change be made on the day of travel?
- Gas bill
- Mint fare availability varies
- What’s the problem with rental junk fees?
- How long will it take to pre-qualify?
- How much is Netflix a month?
- 1. Wait for your CD to mature
- But wait, there’s more
- Building your credit score
- Choosing corporate tax status for your LLC
- Minimize expense ratios
- PLLC vs. limited liability partnership (LLP)
- Step 3: Buy the gold ETF
- 4. Personal trainers
- Book travel via the AmEx portal or Expedia
- Other ways may require more patience
- Allow up to 50% of your income for needs
- LifeLock pros
- Faculty-led study abroad
- Deductibles
- Appraisal contingency
- Cincinnati Insurance
- 5. Teach others a skill
- The policy involves three different people
- 3. Personal training and sports coaching
- Dispose of the expired card
- 4. Repaint the front door
- Search databases
- It can be difficult to actually find the best price
- 1. Derivatives
- Step 3: Buy the China ETF
- Compare pricing models
- Stay on-site
- 7. Tony’s Town Square Restaurant
- Sellers are having to give up less
- You want to transfer rewards to a domestic airline
- Can I negotiate with Algo?
- Fiddle with dates and times
- Typical cost for a flagship family plan with unlimited data
- Embrace
- Concierge service and unfettered access
- Goodbudget
- 2. More time means more growth
- Applying for Total Disability Discharge
- Delta SkyMiles
- 7. Admirals Club membership for up to 10 authorized users
- 6. Wallet software
- Annual whole life insurance rates for smokers
- 4. Max out your retirement accounts
- 2. Oilfield services
- How did we get here?
- Personal documents
- 3. Prioritize your financial goals
- 3. Max out an IRA
- There is a pro-rata rule for backdoor Roths
- 4. Plan your ride shares in advance to save money and time
- 7. Earned income tax credit
- Premiums
- Boarding
- Points are worth more when you book travel through Chase
- How does Wag work?
- 2. Target undervalued sectors
- 4. Review your beneficiaries
- Example interest checking APYs at select institutions
- Short-term investors nearing their money goal:
- Oportun
- LendingTree Spring
- 6. Home cleaning
- 4. Art
- APR
- 3. You must have lived in the house for at least two years in the five-year period before you sold it
- 2. Install an anti-theft device on your catalytic converter
- 5. Consider using your credit card’s trip delay insurance
- Transferable points
- CDs at a bank vs. credit union
- 5. Marriott Cancun Resort
- Stock mutual funds = higher potential returns (or losses)
- 4. Select a provider to open your Roth IRA
- How do I make sure coverage applies to my rental?
- Corona Beach House
- Appraisals
- 1. Create an emergency car account
- Personal injury protection
- 2. Consider using collateral
- JSX is sometimes cheaper
- Staking
- 4. Open a business bank account
- Workers’ compensation insurance
- Why it’s the best
- Cash redemptions
- Track your spending
- Michael Novogratz
- Lower risk
- 6. In-flight purchase discounts
- Size of the AC system
- Pros of debt consolidation
- 4. Seek an off-peak season
- 6. Lower risk
- Grant databases
- 3. Fly Alaska Airlines or a Star Alliance airline from the continental U.S. to Hawaii
- The federal student loan servicers
- Bank of America
- The highest price
- 3. Consider buying the dip
- 7. San Diego
- Stack errands to avoid unnecessary trips
- Personal loan calculator
- AAdvantage® Aviator® World Elite Silver Mastercard®
- Upsides
- Ages 35 to 44
- Autotrader
- 4. Up to $200 in annual credit for airline incidental fees
- Pro: Less competition with business travelers for availability
- Gold streaming companies
- Divorce or separation from a spouse
- Part-year resident status rules
- Flooding
- 2. Lakeville
- 2. Buy 10 times your income, plus $100,000 per child for college expenses
- It can give you a better track record
- Create social media profiles
- 2. Convenient perks you can use at the airport
- 7. Podcasting
- Home equity loans
- Does Chase have a free checking account?
- Customized workout plan
- You rent cars frequently
- Are there any festivals that I should attend during my visit?
- Mortgage interest deduction
- Valuation metrics
- Euphoria and despair
- Economic data
- Should you buy or sell based on these signals?
- 5. Customer experience management, or CXM
- 3. Bonds and bond index funds
- 1. Cash dividends
- Cheap car insurance after a speeding ticket
- Illinois exemption allowance
- 6. Growth and value stocks
- How to contact AARP
- 7. Some canceled debts
- 1. Locking up savings for a near-future purchase
- Personal loans
- Credit score for FHA loans
- 5. You get to be your own boss
- Farm Service Agency
- Free shipping — and fast
- 4. Pay your bill before your issuer reports to the credit bureaus
- 5. Check your emotions at the door
- I.A.S.S. Hawaii Lounge
- Budget hotel options
- For fares with Mint
- Rental housing platforms commit to price transparency
- 2. Open a no-penalty CD
- Working toward financial goals
- Our pick for: No credit check at all
- PLLC vs. professional corporation (PC)
- Grace periods
- 5. Research first-time home buyer assistance programs
- Transfer points to travel partners
- 1. Robo-advisors
- Cheapest minimum coverage car insurance in Florida for 20-year-olds
- 8. Create an airport-centric app
- Free checked bags
- Farmers
- Chairman's Club (invite only)
- Activate the new card
- 2. Child identity theft
- Try quizzes, apps and spreadsheets
- 4. Reporting too many losses on a Schedule C
- There’s less room for negotiation
- Wait to collect Social Security
- 4. Register your marijuana business and obtain licenses or permits
- 3. Set clear goals
- 7. Editing
- London-Stansted
- Discounted rates
- 8. Jungle Navigation Co. LTD Skipper Canteen
- You can redeem miles for almost any type of travel
- The pros
- Will Algo buy my car if I owe on it?
- FHA rate and term refinance
- Family plans on a budget
- Pay with a credit card that doesn’t charge foreign transaction fees
- Florida HFA Preferred or Advantage Plus Conventional Loan
- Airline miles
- Travel and purchase protections
- Drawing your trademark
- Qualified reservist distributions
- Step 4: Register your business
- When your credit score is low
- 4. Align your investments with your values
- Capital gains vs. fixed income
- Texas State Trade Expansion Program
- Delta premium economy luxury amenity kit
- Tactic 2: Use points or miles
- 5. You may be able to switch airlines
- 3. Limit spending to the envelopes
- 8. Charitable donation deduction
- Loyalty program
- Apply natural makeup
- The benefits of compound interest
- Dun & Bradstreet business credit scores
- 4. Tackle high-interest debt
- 2. States with flat income tax rates
- Redeem ConnectMiles for upgrades, transfers or donations
- Our pick for: Online purchases
- Navy Federal: Best for military members
- Tips for unfreezing your credit
- 7. IT and computer services
- 5. Options
- Ample opportunity to stretch your points
- 3. Don’t miss out on tax deductions for volunteering
- Types of CDs
- Cheapest full coverage car insurance in Texas for 20-year-olds
- IFundWomen Universal Grant Application Database
- 4. Index funds
- 1. ESG funds
- FLAT-RATE CREDIT CARDS TO CONSIDER
- Service requirements
- What coverage is included?
- How much is YouTube TV?
- Pros of general partnership
- Your credit profile is too one-dimensional
- Options from startups, too
- 2. Research the recommended maintenance
- Where MetaMask falls short
- The lottery annuity option
- 5. Obtain the right insurance
- Travel redemptions
- Direct enrollment at a foreign university
- Salt Lake City
- Home sale contingency
- Find ways to save
- Seller concessions
- 1. Find a dividend-paying stock
- Installation and labor: $75 to $250 per hour
- 2. Gather the necessary information
- 5. Move the special day
- Use Universal Express Passes
- 1. Fill out a mortgage application
- You’re more likely to walk away pleased
- 8. Portland, Maine
- Use membership clubs when it counts the most
- JetBlue Plus Card
- Use transferable points currencies to shop around
- Equity REITs
- 1. Prepay your property taxes
- Fetch
- How Florida flood insurance rates could rise
- Keep good records
- Why it’s the best
- 4. Get more options as a non-U.S. entrepreneur
- 3. Investing can trump saving over the long term
- If your loans are transferred by the Department of Education
- Larger footprint
- Emburse Prepaid Card
- 5. Up to $200 in Uber cash for rides
- Elite benefits on basic economy fares
- 2. Lenders usually charge higher interest rates for long-term auto loans
- Infographics and other types of written content
- Nonresident status rules
- Earthquakes and other earth movement
- What do I do if I lose my IP PIN?
- Business documents
- 3. Use the DIME formula
- Copays, coinsurance and deductibles
- Group training sessions and group classes
- The pros
- 4. Your travel plans
- Other student loan calculators
- 3. Check small-business-for-sale websites
- Delta personal cards
- $300 annual travel credit
- 2. Stock dividends
- Costs and fees to keep in mind
- 4. Check out dividend-paying stocks
- Step 3: Find a specialty — and stick to it
- 3. Do your research
- Get money back in the form of future flight credits
- 8. Energy conservation subsidies
- Capital gains tax upon sale of stock
- Access to streaming services, digital book and photo storage
- Experience level
- Erie: Best in the Mid-Atlantic and Midwest
- Repayment term
- 4. You cannot have claimed the home sale capital gains exclusion recently
- Only pack a carry-on bag
- Meet in a public place
- KAL Lounge
- Term life insurance rates for nonsmokers
- 3. Points are easy to use
- Average rates from the biggest auto insurers after an at-fault crash
- Small-cap stocks and value stocks may outperform
- 3. Opt for a CD ladder
- Saving for and buying a home
- What about an HDHP with a health savings account?
- 3. Get your books up to date
- LifeLock cons
- 9. Become a destination wedding planner
- 1. Gifting stock to kids through a custodial account
- Nationwide
- 7. Travel protections
- Humana Medicare Part D
- 3. "Currently-not-collectible" status
- There are major differences between the website and the app
- 4. Compare pre-qualified offers
- Look for volume discounts
- Home equity lines of credit pros and cons
- 8. Writing a blog
- 6. Plan a safe travel route
- You’re looking for a lower annual fee
- Does Algo buy leased vehicles?
- FHA streamline refinance
- 4. Marriott Bonvoy Boundless® Credit Card
- Downsides
- Death or total and permanent disability
- Research organizations in your area that offer financial assistance
- A lawsuit
- Emirates Skywards Premium World Elite Mastercard®
- 3. Earn thousands of miles as a credit card welcome bonus
- 1. Find a dividend-paying stock
- What does Medigap not cover?
- State Departments of Agriculture
- 1. Do all or some of the work yourself
- Cheapest full coverage car insurance in California for 20-year-olds
- 3. Refining
- 2. Add your companion's information
- 3. Cottage Grove
- 4. Choose the best retirement plan for you
- It gives you more room on credit cards
- 9. Medical expenses deduction
- 8. IT consulting
- Buy now, pay later loans
- What is the Chase checking account minimum balance requirement?
- 6. Purchase protections
- Choose a simple hairstyle
- The Plum Card® from American Express
- Charitable contribution deduction
- 6. Influencer marketing
- Poshmark
- 3. States with progressive tax structures
- How do I access a HELOC?
- 5. Note your state's estate tax laws
- Understanding your results
- 2. Keeping some savings at a distance
- Icelandair
- Expensify
- 6. Futures
- Mold inspection
- Younger gamblers are more likely to see betting as investing
- 5. Hotels.com Rewards
- Where Ledger falls short
- 3. Tap your home equity for a loan or line of credit
- 4. Consider extra coverage
- Chase Sapphire Preferred® Card
- Credit score for VA refinance
- What isn't covered?
- Estimate your potential refinance savings
- Cons of general partnership
- 3. Ask questions
- 5. Newborn and post-pregnancy services
- Leave 30% of your income for wants
- 6. Gather your tools
- Should you refinance your student loans?
- When purchasing a ticket
- Professional liability insurance
- 3. Place the trade
- Step 4: Invest in the tools of the trade
- Privacy
- 4. Furniture restoration
- Update credit card information for bills
- 5. Update the house numbers
- 3. Synthetic identity theft
- 5. Deducting too many business expenses
- Should you invest in retail stocks in 2023?
- Did you start freelancing?
- 7. Built-in customer base
- Online business loans
- The aggregate method
- Police and Firemen’s Retirement System Mortgage Program
- Mortgage REITs
- 2. Save your registration statements
- Price
- Restaurant rewards
- They can help with last-minute changes
- Honorable mentions
- Winner: American Airlines
- 6. Up to $200 in annual hotel credit
- Other perks of Delta premium economy
- Call and ask for better terms
- White papers, e-books and presentations
- 5. Use a credit card that provides travel insurance
- Savings accounts
- You frequently use a car-sharing service
- 4. Fiverr
- 3. Dividend reinvestment programs (DRIPs)
- What are the requirements for Wag?
- Sesame Cash
- 9. Municipal bond earnings
- 8. Pet store, grooming and boarding
- Conclusion
- Funding time
- Pay on time
- 5. You cannot have bought the house through a like-kind exchange
- Unpaid interest is cancelled
- Revocable life insurance trusts
- 4. Keep the deadline in mind
- Book a stopover
- Do a visual inspection
- Amber Grant for Women
- Ko Olina Lounge
- Term life insurance rates for smokers
- 3. Make sure they’re a good fit
- Mastercard World Elite benefits
- Bond mutual funds = lower returns (but lower risk)
- How much is Hulu?
- For flights booked with cash
- 2. Pick which options to buy or sell
- What MetaMask is best for
- Third-party study abroad programs
- Other contingencies
- 10. Make local guides
- State Farm
- Cons of debt consolidation
- Many Priceline bookings are absolutely nonrefundable
- Consider adding a surcharge for credit card use
- Walmart Foundation
- Luxury programs
- A sure, fast closing
- The cons
- Where does Algo buy cars?
- FHA cash-out refinance
- Is it better to get a second mortgage or refinance?
- 3. Land a brand deal and make sponsored content
- Figo
- At-home charging might require upfront hardware costs
- Ages 45 to 54
- How to use American Airlines AAdvantage miles
- Step 5: Get licenses, permits, and insurance
- Reach out to a nonprofit credit counseling agency
- 4. The tax advantages are prime for kids
- Con: Lack of business travel might be why prices are so high
- 8. Concierge services
- Hot wallet
- 2. Consider premium paints
- 5. Optimize for tax implications
- Structures used for business
- Can I file my taxes without an IP PIN?
- It can create credit diversity
- 10. Deduction for state and local taxes
- 9. Catering
- What is the Chase direct deposit requirement for checking accounts?
- 7. Payment flexibility
- Free Wi-Fi
- Delta business cards
- Equifax business credit scores
- 4. Real estate investment trusts (REITs)
- 5. Plan for retirement
- 4. Take surveys for money
- Step 4: Plan the business budget
- Ruby Lane
- How much does a HELOC cost?
- Loss of use coverage
- Guarda: 4.6 out of 5 stars
- 4. Alert authorities to fraud
- Credit cards that earn World of Hyatt points
- 3. Ensuring returns without market risk
- Draft a business plan
- Food without the delivery fee
- Mortgage rates
- 7. Forex
- 4. Barclays rewards
- 3. Paint your catalytic converter
- Status match with United
- The details
- 5. Monitor your total credit utilization
- 6. Keep an investing journal
- 4. You can exchange points for airline miles
- 3. Investment accounts for kids
- Hedging against future downturns
- Pros of buying bonds
- How states are combatting rental housing junk fees
- What vehicle rentals are excluded?
- Know when to outsource
- Advantages
- Identity theft or a mixed credit file is dragging your score down
- Pros
- 6. Compare mortgage rates and fees
- 4. Keep your personal credit score high
- Use points to upgrade your seat
- Less wait time and a better onboard experience
- The cash option
- Cheapest auto insurance in Florida for 20-year-olds with poor credit
- Delta Companion Certificate
- 2. Gifting stock through a Roth IRA
- 6. Find local gigs through Nextdoor
- 2. Evaluate the stock
- 1099-A
- Seasonal Energy Efficiency Ratio (SEER) Rating
- 3. Submit your application and wait
- 6. Claiming a home office deduction
- 8. Be your own boss
- 5. Register to pay taxes
- 4. Show up in other ways
- 9. Freelance researching
- You want to redeem points for travel directly
- Check gas prices where you're going
- If you're eyeing a Companion Pass or A-List Status
- 3. Scrutinize your closing paperwork
- ARM caps
- Sign-up bonus
- Conventional loans
- Blue Cash Preferred® Card from American Express and Wells Fargo Active Cash® Card
- Open for Business Grant Program in Houston
- 4. Earn flexible points using a non-airline credit card
- Protect your credit
- 7. Up to $300 Equinox credit
- Pros of gold stocks
- When are taxes due in October?
- Deductibles, limits and payouts
- 4. Integrated oil companies
- An example of buying a call option vs. buying the underlying stock
- 4. Coon Rapids
- 4. Replace your income, plus add a cushion
- High-interest installment loans
- Destinations
- You drive a company car
- Lounge access and other top-tier benefits
- 7. Content automation
- 4. Special dividends
- Cheap auto insurance after an accident
- When are taxes due in October?
- 5. Explore new industries
- 4. Explore emerging industries
- Basic economy tickets are typically ineligible
- 6. Weigh the value of professional help
- Where to get preapproved for a car loan
- 10. Gifts
- Location
- Pre-qualification
- Don't use all the credit available to you
- 6. You cannot be subject to expatriate tax
- Consider buying miles for premium cabin redemptions
- Test drive the car
- 2. Promote your business
- Cheapest minimum coverage car insurance in Texas for 20-year-olds
- Paris in the fall
- 5. Get a quote
- Qantas Business Lounge
- Higher-end hotels
- But wait, there’s more
- 4. Research maintenance quotes
- 7. Fund your business
- Your strategy: Make a budget and stick to it
- Why it’s the best
- Use designated accounts for spending and savings
- Cheapest life insurance companies for smokers in fair health
- 4. Taxpayer identity theft
- 8. Anniversary bonus
- Review your finances and set goals
- Which is better when?
- 4. Redeem for flights on Alaska Airlines
- 2. Review your Loan Estimates
- Are you willing and able to move somewhere more affordable?
- Payday loans and the Military Lending Act
- 4. Think about getting a second opinion
- Some NerdWallet favorites: 0%
- What if someone else’s name is on the title?
- Frontier Airlines World Mastercard®
- USDA streamlined assist refinance
- United Airlines
- Hybrid REITs
- Salute Our Soldiers Military Loan Program
- Allegation of use
- Your money management style
- CarFax
- 1. Diversification
- When you’re preapproved
- Agents are more familiar with travel restrictions
- 3. Source your suppliers
- 2. Evaluate the stock
- No more elite earnings on basic economy fares
- 9. Priority airport screening
- Build your score and then switch cards
- Choose the amount of coverage you need
- 6. Check your credit card for trip delay insurance
- Podcasts
- 3. Prep the space yourself
- Routine wear and tear
- What other ways can I protect my identity?
- 5. Select your investments
- Launch email marketing campaigns
- 11. Mortgage interest deduction
- 10. Social media management
- Gym workouts via the Planet Fitness app
- How much does Wag pay?
- Green, Gold and Platinum pay over time cards
- Debt-to-income ratio
- JSX and Silver Airlines
- Rocket Money
- Early access to Prime Day sales
- 9. Salon or barbershop
- 8. NFTs
- Checked bags make a big difference
- 4. Set an alarm or camera to catch thieves
- Credit Account
- 2. Find the right location for your vending machine
- Best insurance company for affordability: NJM
- Our pick for: Everyday spending
- National Association for the Self-Employed Growth Grant
- Buying a put vs. shorting example
- 5. Exchange-traded funds (ETFs)
- 4. Review their fees
- 3. Estimate your total savings needs
- Debt-to-income requirements
- Money market mutual funds = lowest returns, lowest risk
- 1. Have a goal for your index funds
- 5. Gather your paperwork
- How long will the rental be covered?
- Maintaining financial health
- Disadvantages
- Why does the network matter?
- Why you might roll a 401(k) into an IRA
- MetaMask at a glance
- 6. Enrichment activities for children
- Cover your card charges
- 2. Online financial planning services
- Cybersecurity liability insurance
- 11. Create a local grocery delivery service
- Travelers
- 7. Freelance
- 6. Clean or replace porch lights
- 1099-B
- You won’t earn loyalty points or enjoy elite status with hotel stays
- You can negotiate the price
- Did you receive a loan through the Paycheck Protection Program?
- 10. Freelance coding and web design
- London-Luton
- Lemonade
- Gift cards
- Ages 55 to 64
- Redemption value
- Hawaiian Airlines-JetBlue partnership
- Why it’s the best
- Take out a small-dollar loan from a credit union or bank
- 5. The money can be used for more than retirement
- Inverse performance
- UBS Visa Infinite Card
- 8. $300 SoulCycle credit
- Sustainable Agriculture Research and Education (SARE) Grants
- Cons of gold stocks
- Perkins loans
- 3. You have a higher risk of developing negative equity
- Cheapest minimum coverage car insurance in California for 20-year-olds
- 3. Book travel
- What is the Global Entry interview like?
- Bank loans
- Partner airlines
- Saving for a rainy day (or a fun one)
- The cons
- 5. Your existing credit cards
- 4. Look for other advertisements (or put out your own)
- The right savings rate
- You need an SR-22 or FR-44 form
- 1. Individual stocks
- How to maximize your rewards
- 5. Preferred dividends
- Compare car insurance rates for 35-year-olds
- Etsy
- Tickets booked with an online travel agency might be tricky
- 11. Inheritance
- How much can refinancing save you?
- Accion Opportunity Fund
- Foundation inspection
- Schedule 1: Additional income and adjustments to income
- Make Money
- Irrevocable life insurance trusts (ILITs)
- United Club
- 2. Sustainable stocks
- Whole life insurance rates for nonsmokers
- 5. If you have high-tier Marriott status, you get free United Airlines Premier Silver Status
- Changing tickets booked with miles
- What if you can’t pay your bills?
- Cons of buying bonds
- Can you upgrade to Mint after booking?
- Additional standard deduction 2023 (taxes due 2024)
- How much is Disney+?
- Our pick for: Beginner-friendly features
- Club America F
- For flights booked with miles
- Commit 20% of your income to savings and debt paydown
- Make a plan to pay off debt
- 3. Gifting stock to friends and family
- What is the Buffett indicator?
- Book one to three months in advance
- 5. House painting
- 3. Decide how much stock you want to buy
- 4. Penalty abatement
- 7. Using nice, neat, round numbers
- Bank of America Charitable Foundation
- 6. Get funding
- Debt management plan
- Are you ‘over’ homeownership?
- Fewer contingencies
- VA Interest Rate Reduction Refinance Loan
- American Airlines
- Rewards rate
- 5. Southwest Rapid Rewards® Plus Credit Card
- First trimester
- Try paying in cash dollars
- Bonus features
- 2. Low cost
- They’ll tell you what to expect
- Verizon Small Business Digital Ready Community Grant
- Keep your job
- 10. Free first checked bag for you and up to eight guests
- Cold wallet
- Methodology
- Try different ways to avoid overspending
- Examine riders
- Webinars
- 6. Invest for more than retirement
- 5. Master limited partnerships
- Infestations
- Do you get a new IP PIN every year?
- 5. Austin
- 12. Gambling loss deduction
- 8. Exclusive entertainment access
- Referral program
- Marriott Bonvoy Business® American Express® Card
- 8. Artificial intelligence
- Experian business credit scores
- 6. Optimize your finances with tax planning
- On-platform storage: Easy to use, with some risks
- 7. Plan to reassess
- MoCaFi
- Exodus: 4.5 out of 5 stars
- Get your business registered
- 9. Peer-to-peer (P2P) lenders
- USAA: Best for military and veterans
- Keep your accounts open — especially your oldest
- Credit-builder loans
- Redeem TAP Portugal miles for award flights
- What Ledger is best for
- Have the car inspected by a mechanic
- Bizee’s Fresh Start Business Grant
- 7. Know your strategy
- Consistency is key
- What do I need for my loan application?
- What if I don’t have personal auto insurance?
- Saving and investing for retirement
- Do you have preferred doctors?
- Cons
- 5. Time your services
- 5. Shop around and compare your options
- Shop with points via the American Express site
- 3. Learn the difference between investing in stocks and funds
- 4. Sit back and relax
- Internships, research and volunteering
- 12. Start a virtual event planning company
- USAA
- 9. Discounted companion ticket
- 1. Examine your cooling needs
- Aetna Medicare Part D
- 5. Formally apply to get your money
- 2. Digital assets
- Invoice factoring
- Opt for the single-rider line
- How to contact New York Life
- Ask for a break from commuting
- Publicly-traded REITs
- 4. Sell some merch
- PetsBest
- Spending on the card
- You can use credit card benefits to travel in basic economy
- Citi Premier® Card and Citi Custom Cash® Card
- If it's been a while since your last approval
- PEX Prepaid Visa
- If your employer doesn’t offer a 401(k) match
- How much dwelling coverage do I have?
- 3. Decide how much stock you want to buy
- 9. Up to $240 in digital entertainment credit
- HEAL loans
- 4. Get competing bids
- Roth IRAs
- 11. Business planning service
- Airfare cost
- Our pick for: Simple cash back
- 2. Mutual funds
- How to maximize your rewards
- 6. Dividend funds
- 2023 tax rates by state
- What you need to get preapproved for a car loan
- 12. Accelerated death benefits
- Liability coverage
- 1. Use a CD ladder
- Loan limits
- 10. Gas station
- Demographics
- 5. American Express Membership Rewards
- U.S. Bank Altitude™ Reserve Visa Infinite® Card
- Whole life insurance rates for smokers
- Other VA refinance requirements
- 2. Research index funds
- Additional standard deduction 2024 (taxes due 2025)
- Pros of limited partnership
- Full details about MetaMask's ratings
- 7. Gather your loan paperwork
- Step 5: Staff wisely
- Travel
- 8. Tutor your peers
- 5. Medical identity theft
- 1099-C
- Potentially more incentives
- Bankruptcy
- Purchasing a Plumeria Lounge day pass
- Are you highly motivated?
- 5. Focus on the long term
- Other airline cards issued by Barclays
- VA cash-out refinance
- Ages 65 to 74
- International trademark registration
- Account linking
- 3. Strong long-term returns
- Travel agents may save you money
- Gusto Impact Award
- 5. Earn an airline companion pass
- 11. 25% discount on in-flight purchases
- Understand basic economy vs. regular economy
- After you're approved for Global Entry
- SBA loans
- 6. Use a credit card that waives foreign transaction fees
- 3. No foreign transaction fees
- 13. IRA contributions deduction
- 5. Stay in touch with your network
- You want to maintain continuous coverage
- How to maximize your rewards
- 5. Upwork
- 5. Money market funds
- 5. Make money from your blog with affiliate links
- 2. Determine how to finance your franchise
- Credit cards for earning American AAdvantage miles
- Example CD APYs at select institutions
- 2. Managing money
- Qatar Airways
- 10. Venture capital
- Be strategic about new credit applications
- 5. Check your car insurance
- Schedule 2: Additional taxes
- Other reasons why Americans plan to tune in to the game
- Eureka
- Cheapest auto insurance in Texas for 20-year-olds with poor credit
- 4. Borrow from your 401(k)
- 3. Robo-advisors that offer sustainable investments
- 6. You can give yourself a ‘points advance’
- Other accommodation options
- 1. Think long term versus short term
- How does coverage vary for international rentals?
- How much is Max?
- You applied for new credit recently
- Is a large network important?
- 7. Mobile apps and entertainment for children
- Use points toward online purchases elsewhere
- 8. Market your business
- Cheapest auto insurance in Florida for 20-year-olds with one speeding ticket
- Commercial auto insurance
- Predictability
- Airport lounge access
- WANT TSA PRECHECK FOR FREE?
- 2. Time it right
- 11. Software and app development
- 1. Review your W-4
- Spot
- How to use British Airways Avios for a flight to Hawaii
- Government-backed loans
- Borrow money from a family member or friend
- Plan G vs. Plan N
- 1. What’s your budget?
- 4. Price your product
- Respond quickly to lender requests
- 10. $189 Clear credit
- Look at the rate of return on cash value
- What’s covered and what’s not
- 4. You could fall into a cycle of negative equity
- 6. St. Paul
- Index funds
- Consider paid advertising
- 12. Tax consulting
- 9. Complimentary Shoprunner membership
- Other types of savings accounts
- The magic of compound growth
- 9. Podcasting
- How to get paid on Wag
- AmEx EveryDay Cards
- 1. 'I’ll wait until the stock market is safe to invest.'
- Swappa, Gazelle
- Cancel for Any Reason insurance can help
- 2. Open a no-penalty CD
- Down payments and gift funds
- Money Manager
- 11. Grocery store
- Ledger at a glance
- Resident status rules
- 6. Investment apps
- Fly to London in upper class
- Government bonds
- 6. Pick your investments
- 1. Choose a name for your PLLC
- Cons of limited partnership
- Why you might not want to roll a 401(k) to an IRA
- 13. Sell zero-waste products
- Develop good credit habits
- 10. TSA PreCheck or Global Entry application fee credit
- 1099-CAP
- Did you work in multiple states?
- 1. Restricting regulations
- Merchant cash advances
- Debt settlement
- Delta Air Lines
- Which is easiest to qualify for?
- Public non-traded REITs
- Florida Assist Second Mortgage
- CarGurus
- Amegy Bank Small Business Boost Program
- 12. Earn 10,000 Loyalty Points by spending $40,000 each year
- Individual gold stocks
- Goals: Keep them realistic
- 5. Trim the scope of the job
- 7. Chat with an advisor
- Cheapest auto insurance in California for 20-year-olds with poor credit
- Online business loans
- 5. Select your retirement investments
- 14. 401(k) contributions deduction
- TrueBlue value
- U.S. citizens
- Noncustodial wallets: More effort, more security
- Cheapest car insurance after a DUI
- 13. Disaster relief payments
- Coinbase Wallet: 4.4 out of 5 stars
- Chase Sapphire Cards
- 2. Is now the right time to buy bonds?
- Fleet expense management tools
- Venmo Small Business Grant
- 5. Do a final check
- 2. Look into tax-loss harvesting
- Watch the calendar
- 3. Predict the option strike price
- Redeem for gift cards
- Card-to-card points transfers
- 9. Take surveys
- You surrender the policy
- Is the Buffett indicator high or low right now?
- Appraisal fee
- 6. Account takeover
- 3. Look for equipment rebates and tax credits
- 5. Hiring a tax relief company
- 3. Loan processing takes over
- What’s next?
- 6. United℠ Explorer Card
- 5. Offer memberships
- Second trimester
- Responding to trademark office actions or oppositions
- Security
- Travel credits
- They can organize complex itineraries
- Taxes
- Geico vs. Allstate home insurance
- 11. Reimbursement of application fees for TSA Precheck or Global Entry
- Winner for ease of miles: Air Canada
- 1. Avoid filing your tax return on paper
- Parent PLUS loans
- Pros:
- 7. Use a bank that refunds ATM fees
- 3. Index funds
- 7. Invest to build your future goals
- Dave
- 3. Try a bump-up CD
- Purchase insurance and get licenses
- Property standards
- 6. Capital One Rewards
- Schedule 3: Additional credits and payments
- Secured credit cards
- InboxDollars Surveys
- 7. Stay for five, pay for four
- What is the procedure for filing a claim?
- How much is Apple TV+?
- Avianca VIP Lounge
- 2. Designate a registered agent for your PLLC
- 8. Get a preapproval letter
- 8. Shared accessories and attire
- 3. Traditional, in-person financial advisors
- 14. Make products for pets
- Set a price alert
- 6. Tutoring
- 1099-DIV
- Carnegie Corporation
- 12. Business coaching
- 1. Automate transfers
- FHA home improvement loans
- Perks await when you fly economy with elite status
- How are my belongings covered?
- The FruitGuys Community Fund
- Budget: Factor in all the costs
- 6. Time your project
- What happens if you are declined?
- 7. West St. Paul
- Specialty or alternative funds
- 4. 25% back on United in-flight purchases
- Chubb: Best overall cyber insurance for small businesses
- Non-U.S. citizens
- 10. Streaming service
- Dividend per share (DPS)
- Blue Cash Cards
- 2. 'I’ll buy back in next week when it’s lower.'
- 14. Some withdrawals from a Roth IRA
- Medical payments coverage
- Full details about Ledger's ratings
- 3. Sell your castoffs
- 4. Invest for growth
- 3. Pick your index funds
- Our pick for: Fixed monthly payments
- Set cash aside
- Donate to charity
- If you already have a ticket
- Step 6: Practice your elevator pitch
- You sell the policy
- Got more questions about how to open an IRA? We have answers
- Discount points
- 5. Add a free stopover
- 6. Take advantage where you can
- 2. Make sure your bonus is actually taxable
- JetBlue-Qatar Airways partnership
- Methodology
- Plan G vs. Plan F
- 2. How often will you visit the park?
- Dayton Community Development Corporation grant programs
- 12. Up to $100 in statement credits annually at Saks Fifth Avenue
- 2. Get direct deposit
- Tactic 3: Use your military benefits
- 5. Repair and maintenance costs increase with a car’s age
- Cons:
- 15. Saver’s credit
- 13. PR agency
- You typically borrow a car from someone in your household
- 6. Sell your wares on Etsy
- How quickly could the IRS implement the child tax credit expansion?
- AndroMoney
- LiftFund
- 12. Drugstore
- How to have more taxes taken out of your paycheck
- Cheapest auto insurance in Texas for 20-year-old drivers with one speeding ticket
- No-exam life insurance rates for nonsmokers
- 3. Hold the shares inside an IRA, a 401(k) or other tax-advantaged account
- Know your health insurance terms
- Cheapest auto insurance in Florida for 20-year-olds with one at-fault crash
- Commercial umbrella insurance
- 15. Create custom clothing
- Invest in your financial future
- 10. Search for regular jobs for kids
- Rebook if you find a cheaper price
- 7. Criminal identity theft
- 11. Airline credits
- Cigna Medicare Part D
- Pressure to make a purchase
- Visit during the low season
- 13. College consulting
- 4. The underwriter makes a decision based on your documentation
- Wyndham Rewards Earner® Plus Card
- Aeroplan
- Private REITs
- Third trimester
- How to use Alaska miles for an American flight to Hawaii
- Customer support
- 5. Find your customers
- Gold stock ETFs
- Be aware of surrender charges
- Coverdell education savings accounts
- Safety ratings
- 6. High-yield savings accounts
- Dividend yield
- 8. Grow your financial well-being
- Step 5: Register the business
- 3. Scout a location
- Example money market account APYs at select institutions
- Our pick for: Cell phone and internet bill payments
- Maybe, maybe not
- FHA appraisal
- Set up a business bank account
- IHG Rewards Club
- The details
- Google Opinion Rewards
- Our pick for: Flat-rate travel rewards
- The Amplifier Grant
- Part-year resident status rules
- Citi Prestige® Card
- 3. Get business licenses for your PLLC
- Your strategy: Use leverage where you have it
- Chase Dining
- Pharmacy choice
- 1099-G
- Home equity loan
- 3. Use tax deductions
- VA supplemental loans
- 1. The modern consumer is smarter than ever before, so be an expert in your field.
- Appendix: How the math works in our examples
- Geico vs. State Farm home insurance
- U.S. Bank business prepaid cards
- Is there enough liability coverage?
- Winner: American Airlines
- 13. Walmart+ Monthly Membership Credit
- 3. Stay on top of things
- Audience: Review your target audience
- Cheapest auto insurance in California for 20-year-old drivers with one speeding ticket
- 8. Minneapolis
- Traditional marketing
- 5. Travel protections
- 16. Health savings account contributions deduction
- Gather all the information you need to move forward
- You regularly borrow the same car from someone you don’t live with
- The Hartford: Best for adding coverage to a business owner’s policy
- 6. OfferUp
- 11. 3D printing
- 3. 'I’m bored of this stock, so I’m selling.'
- Trust Wallet: 4.3 out of 5 stars
- 7. Citi ThankYou Points
- Best insurance company for accident forgiveness: Geico
- Disclaimer
- Paying with a private-party auto loan
- Take an African safari
- No-exam life insurance rates for smokers
- How much is Peacock?
- Consider using a retirement account
- 4. Determine the option time frame
- Floods
- How should investors use the Buffett indicator?
- Escrow account funds
- Less financing flexibility
- 2. Initial cost
- Ford Foundation
- 2. Count your coins and bills
- Some NerdWallet favorites: Cash back
- China Airlines
- Elite status
- 7. Delta SkyMiles® Gold American Express Card
- Florida HLP Second Mortgage
- Cars.com
- San Antonio Economic Development Department grant programs
- Farm Bureau Ag Innovation Challenge
- An example of selling a call option
- 14. Professional organizing
- M1
- 13. Antique or thrift store
- American Family
- Benefits
- How to have less taxes taken out of your paycheck
- 4. Earn badges through Live videos
- 5. Enter a debt management plan
- 4. Call in a pro
- 4. Education accounts
- 4. File your articles of organization
- Pros of C corporation
- 9. Choose a real estate agent carefully
- 4. Set a budget for your stock market investment
- Step 7: Write client proposals
- 16. Sell vintage clothing online
- 4. Find your gate
- 7. Outdoor guide
- 12. Elite status
- 1099-INT
- Pros of a 203(k) loan
- 4. Contribute to a tax-advantaged account
- FHA and VA energy-efficient loans
- How much can you borrow?
- User experience
- Other airline partners
- Compare Medigap plan types
- 3. Which sounds like more fun?
- The risks and rewards of each
- Understand the different approval processes
- Content: Focus on quality
- 6. No blackout dates
- 17. Self-employment expenses deduction
- Chase premium checking accounts
- Reliability
- You drive rarely or not at all
- How to maximize your rewards
- Cheapest auto insurance for poor credit
- Delta SkyMiles Cards
- Pros of a higher credit limit:
- 1Money
- Flooding
- 3. Which bonds are right for my portfolio?
- Swagbucks
- Paying with a personal loan
- FedEx Small Business Grant Contest
- 4. Decide where to buy your index funds
- How much is Prime Video?
- Higher premiums, more coverage
- 9. Shared home improvement equipment
- Key person insurance
- Chase Experiences
- Hurricanes, tropical storms and tornadoes
- You take out a loan against the cash value
- Be flexible with destination, airport and dates
- 14. Tutoring
- Labor and delivery
- Partner flights
- What are the deductibles?
- 4. One more thing to know about your tax refund
- 9. Albert Lea
- Experiential marketing
- 15. Photography
- Tax-efficient strategies
- Travelers: Best for cyber liability coverage
- How to maximize your rewards
- 12. E-commerce
- 9. Estate planning: Protect your financial well-being
- 7. Self-publish an e-book
- Past years' state tax rates
- YOTEL
- 14. Fitness studio or gym
- 3. Find your vending machine
- Drawbacks
- Cheapest auto insurance in Texas for 20-year-old drivers with one at-fault crash
- Nonresident status rules
- Corporate bonds
- 5. Keep your expenses in check
- Cons of C corporation
- Cheapest auto insurance in Florida for 20-year-olds after a DUI
- Where is the best place to exchange currency?
- 17. Begin niche blogging
- Earn Medallion Qualifying Dollars through credit card spend
- 1. Choose to DIY or get some help
- Flood determination and monitoring fees
- Home equity line of credit
- 3. Ongoing investment
- Cons of a 203(k) loan
- Coca‑Cola Foundation
- 5. Your loan is cleared to close
- 3. Prep for grocery shopping
- Japan Airlines
- Methodology
- Reviews
- 6. Get the logistics down
- Lubbock Economic Development Alliance grants
- 14. Access to the American Express Global Lounge Collection at airports
- Tracking: Identify key metrics
- 18. Home office deduction
- Our pick for: Flexible rewards and a bonus
- 7. CDs
- Dividend payout ratio
- Cons of a higher credit limit:
- MetaMask: 4.0 out of 5 stars
- Get an equipment financing loan
- Ascendus
- Refinancing
- 8. Bank of America® rewards
- 1. Live in the house for at least two years
- SAVE benefits available by October 2023
- How to use a W-4 to owe nothing on a tax return
- Paying by cash or check
- Tory Burch Foundation Fellows Program
- Our pick for: An upgrade path
- 5. Draft an operating agreement
- 10. Narrow down your ideal type of house and neighborhood
- Step 8: Set your pricing
- 1099-K
- What to know about pre-qualifying with bad credit
- 15. Online fitness trainer
- Rural housing repair loans and grants
- Young Farmer Grant Program
- Cheapest auto insurance in California for 20-year-old drivers with one at-fault crash
- Evaluate the price of the business
- 4. Exchange-traded funds
- Hilton Honors Cards
- Stash
- Mortgage insurance
- How much is Sling TV?
- Lower premiums, higher out-of-pocket
- Amex EveryDay® Credit Card
- How do I find a currency exchange near me?
- 5. Wait at the gate
- Government recording fees
- 3. Precious metals
- 5. Defer your bonus
- Singapore Airlines
- When do you have to pay it back?
- Why Chase Ultimate Rewards® can be the best option
- Airport lounge access
- 15. Centurion Lounge Complimentary Guest Access
- Winner for most fare class options: Air Canada
- 10. Burnsville
- CDs or U.S. savings bonds
- 19. Educator expenses deduction
- 16. Event space
- Customer satisfaction
- Three Insurance: Best for comprehensive insurance coverage
- 7. Poshmark
- 4. Review and sign your franchise agreement
- Get a small business term loan
- Avis and Budget Rent-a-Car
- 15. Tutoring business
- 2. See whether you qualify for an exception
- SAVE benefit starting in February 2024
- State Farm vs. Allstate home insurance
- 5. Build a community
- 6. Pay PLLC taxes and file annual report
- Directors and officers insurance
- Passports and student visas
- Wildfires
- 18. Become an e-book writer
- Save
- 11. Monetize your social media accounts
- 8. Fireworks retailer
- 4. Potential for conflict
- Cost
- Florida Mortgage Credit Certificate Program
- Edmunds
- The Alamo Small Business Grant Program
- 13. Portable charging devices
- Property-based passive income ideas
- Pros
- Hurricanes
- Your goals and time horizon
- Capital One Venture X Rewards Credit Card
- 5. ABLE Accounts
- 5. Buy index funds
- An example of buying a call
- 10. Vacation rentals
- Where can you exchange currency for free?
- Global Entry or TSA PreCheck credit
- Economic events
- Loan-origination charges
- 1. Freeze your credit
- Cash-out refinance
- Home Depot Foundation Veteran Housing Grants Program
- 16. SEO consulting
- Gap Inc. credit cards
- Home loans for Native American veterans
- 2. Are you seeking investment or looking for business financing?
- Book with points and miles if it’s a good deal
- Compare whole life insurance quotes
- 20. Solar tax credit
- 17. Interior decorating
- 8. Get advertising revenue from your blog or YouTube channel
- Get a 0% intro business credit card
- 16. Ice cream shop
- Auto Club Group
- 3. Keep the receipts for your home improvements
- SAVE benefits available by July 2024
- State Farm vs. USAA home insurance
- Cheapest auto insurance in Texas for 20-year-old drivers after a DUI
- How much is Fubo TV?
- 5. Focus on investing for the long-term
- 12. Get paid to stream on Twitch
- 1099-LTC
- To stay in the home after closing
- Features
- 8. The Platinum Card® from American Express
- Is an import/export business profitable?
- Winner: British Airways
- 16. Upgrade to Marriott Bonvoy Gold Elite status
- 1. Choose a stockbroker
- Marriott Bonvoy Cards
- Cons
- 3. Building a budget
- Acorns
- Expand your coverage with endorsements
- Electrum: 2.5 out of 5 stars
- Our pick for: Customizable bonus categories
- Selling a put example
- Risk tolerance and diversification
- Pros of S corporation
- Other details you should know about MetaMask
- Step 9: Stay organized and deliver results
- Housing
- 19. Start ghostwriting
- Earnings
- Mortgage insurance or fees for government-backed loans
- 2. Safeguard your Social Security number
- 5. Lack of financial privacy
- 4. Minimize restaurant spending
- Section 184 Indian home loan
- Using American Express Membership Rewards points
- Hotel status
- Fund-a-Farmer Grants
- Check the insurer’s financial strength
- Stay true to your brand
- Cheapest auto insurance in California for 20-year-old drivers after a DUI
- 21. Energy efficient home improvement tax credit
- 18. Woodworking or furniture building
- Which one should I take?
- 8. Buy a rental property
- Complete financial plan and investment advice
- Compare car insurance rates for drivers with a DUI
- Step 6: Find and maintain clients
- 5. Attend corporate training
- Gifting large sums of money to family
- 17. Dry cleaner
- Best insurance company for having few customer complaints: American Family
- More from NerdWallet
- 7. Comply with additional state and federal regulations for PLLCs
- An example of buying a put
- 11. Electronics repair
- Cheapest full coverage car insurance in Florida for 30-year-olds
- Invest
- 1099-MISC
- 4. Collectibles
- 17. Selling handmade goods
- Barnes & Noble Mastercard
- Reporting and analytics
- Are the proceeds taxable?
- How do import/export companies make money?
- 17. Upgrade to Hilton Honors Gold status
- Self-funding
- Close the deal
- 14. Publishing e-books
- Justine Petersen
- Volcanic activity
- 4. Explore your financing options
- 6. Keep an eye on your index funds
- Our pick for: No security deposit, low annual fee
- Cons of S corporation
- 11. Stick to your budget
- American Express® Green Card
- Chase Sapphire Preferred® Card
- Your location
- 20. Become a resume writer
- Cell phone protection coverage
- 3. Be alert to phishing and spoofing
- Personal loan
- Clif Family Foundation
- Winter storms
- Premium cabin flights
- Keep it relevant, useful and authentic
- 2. Fund your account
- 22. Electric vehicle tax credit
- 18. Bookstore
- State Farm vs. Progressive home insurance
- The details
- California earned income tax credit (CalEITC)
- The 10 largest lottery jackpots
- Study abroad budgets
- UNLOCK AIRPORT LOUNGES WITH THE RIGHT CARD
- Pest inspection
- To avoid repairs
- Priceline VIP Rewards™ Visa® Card
- Home and property disaster loans
- Ongoing support
- Is the interest paid tax-deductible?
- Using Citi ThankYou Points
- Transfer partners
- 3. What's your point of difference in the market?
- What is an export license?
- America’s Seed Fund
- 18. Money-saving perks for stays booked through The Hotel Collection
- Trusts
- 19. Graphic design
- Lean FIRE
- 9. Rent out your own house
- Specialized guidance and/or want to meet with an advisor face-to-face
- Cheapest car insurance for young drivers
- Albert
- Paying for vacations, cars or other stuff
- Home purchase: Basic Home Mortgage 203(b)
- Conventional loans
- Is MetaMask right for you?
- 6. Manage your stock portfolio
- Your credit
- 21. Open a coworking space
- Perks that are the same across cards
- 9. Petsitter
- 4. Use strong passwords and add an authentication step
- 1099-NEC
- 1. Access to capital
- Tornadoes
- 18. Virtual thrift shop
- 5. Get discounts on entertainment
- Used Car Search Pro by iSeeCars
- Brighter Future Fund
- Research the insurer’s reputation for customer service
- Customize your content for each channel
- 15. Fitness tech
- 9. Become an Instagram influencer
- 6. Open your doors
- Our pick for: Maximized value
- Wildfires
- 19. Bed and breakfast
- Earthquakes
- California young child tax credit (YCTC)
- Address any lingering questions
- Pay off debt
- 2. Know your own ESG criteria
- Prepaid expenses
- How to compare life insurance quotes
- 5. Commodities
- Xbox Mastercard
- FHA loans for disaster victims
- 9. Capital One Venture Rewards Credit Card
- What documents do I need to import goods?
- 19. Complimentary benefits through Fine Hotels & Resorts
- Financial assistance
- 3. Do your research
- 20. Clothing boutique
- 4. Saving money
- Giving a laid-back loan
- FHA refinance loans
- Auto-Owners
- 1. Has the W-4 form changed?
- Cheapest full coverage car insurance in Texas for 30-year-olds
- Capital One Venture Rewards Credit Card
- Cheapest minimum coverage car insurance in Florida for 30-year-olds
- Accounting
- 5. Use alerts
- Hail damage
- Some NerdWallet favorites: General travel
- Amber Grants
- Fully utilize content
- Fat FIRE
- 10. Get a roommate
- Portfolio management only
- FHA loans
- 20. Floral shop
- California child and dependent care tax credit
- How we review crypto wallets
- 12. Make the most of walk-throughs and open houses
- 12. Academics courses
- Your claims history
- 22. Become an online coach
- 1099-OID
- Life insurance quotes vs. rates
- 2. Efficient growth
- 19. Affiliate marketing
- 6. Map out major purchases
- Cheapest full coverage car insurance in California for 30-year-olds
- 4. Buy the stock
- 21. Bed and breakfast
- Our pick for: Worldwide acceptance
- 16. Online teaching
- Setting up joint bank accounts
- Other details you should know about Ledger
- Pros of LLC
- American Express® Gold Card
- Chase Sapphire Reserve®
- Branding
- 3. Choose ESG investments
- 6. Board the airplane
- Tax monitoring and research fees
- 6. Watch your mailbox
- 6. Real estate
- Kubota Hometown Proud Grant Program
- Flooding
- Free stopovers
- Card ecosystem
- Barista FIRE
- Alternative investment passive income ideas
- Hail
- Monzo
- 21. Gardening and landscaping
- 2. What does it mean to be exempt from taxes?
- California adoption cost tax credit
- Our pick for: No security deposit, low annual fee, potentially high credit limit
- Your coverage limits
- 23. Flip failing websites
- Repeat
- 10. Moving services
- 1099-PATR
- 20. Accounting or bookkeeping
- NASE Growth Grant
- 20. Free shipping with ShopRunner
- 22. Food truck
- 17. Mobile application development
- 10. Monetize your Twitch channel
- Step 7: Invest in advertising and expanding
- Ledger: 5.0 out of 5 stars
- FHA renovation loans
- Kiva U.S.
- Our pick for: Bank of America® customers
- Cons of LLC
- Web design
- Title-related costs
- 7. Shred, shred, shred
- 3. Minimal employee supervision
- Fully underwritten life insurance
- Farmer Veteran Fellowship Fund
- Cheapest auto insurance for senior drivers
- Flooding
- Best insurance company for financial strength: Auto-Owners
- Cheapest minimum coverage car insurance in Texas for 30-year-olds
- California nonrefundable renters tax credit
- 13. Language courses
- Cheapest auto insurance in Florida for 30-year-olds with poor credit
- Your deductible
- 24. Become a web developer
- 1099-Q
- 7. Restrict online shopping
- AARP® Essential Rewards Mastercard® from Barclays
- 10. Hilton Honors American Express Aspire Card
- TrueCar
- 21. Concierge service
- Above-the-line deductions
- 11. Peer-to-peer lending
- Other specialty FHA loans
- 22. Nail salon and spa
- Is Ledger right for you?
- 13. Don’t skip the home inspections
- Human resources
- 8. Use a digital wallet
- Amazon Web Services (AWS) Imagine Grant
- 21. Telemarketing
- Some NerdWallet favorites: Co-branded
- Business credit cards vs. prepaid debit cards: How to choose
- Cheapest minimum coverage car insurance in California for 30-year-olds
- 23. Restaurant or cafe
- 18. Search engine optimization consultant
- Farmers
- 5. Stock your vending machine with inventory
- Other policies
- 25. Start a podcast
- 1099-R
- 4. Increased brand awareness
- Understand your eligibility
- 22. Low fares through the International Airline Program
- Greenlight
- Trezor: 4 out of 5 stars
- 23. Photography
- 3. When should I review my W-4?
- The Platinum Card® from American Express
- Chase Freedom Flex℠
- Green living
- 7. Retrieve your luggage
- 11. Pool cleaning
- 9. Protect your mobile devices
- 22. Online personal assistant
- Simplified issue life insurance
- Below-the-line deductions
- 24. Craft brewery
- 19. Social media consultant
- How we review crypto wallets
- American Express® Gold Card
- Your home’s features
- 26. Be a social media influencer
- 1099-S
- 5. Reduced risk
- 8. Delay purchases with the 30-day rule
- Dividends and preferred stock
- 23. Savings with the Cruise Privileges Program
- 12. Private equity
- 11. Sell your photography
- Compare auto insurance rates for drivers with poor credit
- 24. Clothing boutique
- The details
- Cheapest auto insurance in Texas for 30-year-olds with poor credit
- Want to learn more about credit scores?
- Pros
- Our pick for: Average credit and rewards
- 14. Negotiate with the seller
- 14. Business or marketing courses
- Cheapest auto insurance in Florida for 30-year-olds with one speeding ticket
- Organization
- 10. Check your credit reports regularly
- 23. Data entry
- Cruise line credit cards
- Credit required
- Note application deadlines and awards dates
- 4. Can I adjust my W-4 multiple times throughout the year?
- Business entity summary
- Your dog
- Real estate agent commissions
- 24. Car Rental Privileges
- Guaranteed issue life insurance
- Cheapest auto insurance in California for 30-year-olds with poor credit
- 25. Ice cream shop
- 20. Drone videography
- SafePal: 3.8 out of 5 stars
- Grameen America
- 25. Daycare
- 6. Make the right investments
- 27. Create online courses
- 12. Bike rental business
- 11. Monitor financial and medical statements
- 1099-SA
- 24. Transcription
- 9. Get creative with gifts
- Selling bonds
- Our pick for: Prime gaming
- Step
- Our pick for: Paying rent
- Want to find a credit card?
- 8. Exit the airport and enjoy your trip
- Property and transfer taxes
- 7. Private equity
- RCI Elite Rewards Mastercard
- Consider financing alternatives
- 25. Deals through the Amex Auto Purchasing Program
- 26. Personal chef
- 21. Cybersecurity or IT consulting
- Most popular: HO-3 insurance
- 26. Brewery or winery
- The Hanover
- Cons
- 15. Buy adequate home insurance
- 15. Personal wellness
- American Express® Business Gold Card
- 28. Become a marketing consultant
- 1. Loss of complete brand control
- 25. Travel planning
- Overseas acceptance
- What should you do if you’re invested in these REITs?
- 13. Crypto staking
- Best insurance company for discounts: Amica
- Cheapest auto insurance in Texas for 30-year-old drivers with one speeding ticket
- Cheapest auto insurance in Florida for 30-year-olds with one at-fault crash
- Chase Freedom Unlimited®
- Title insurance
- State Farm Good Neighbor Citizenship Company Grants
- Upromise® Mastercard®
- 26. An extra point when booking Platinum Destinations Vacations
- 27. Landscape services
- How to maximize your rewards
- Methodology
- 27. Hardware store
- Capital One Savor Cash Rewards Credit Card*
- 13. Canoe and kayak rental business
- Alternative investment pros
- 10. Lower your car costs
- Cheapest auto insurance in California for 30-year-old drivers with one speeding ticket
- 22. Venture capitalist
- Apple Cash: digital card
- Our pick for: Average credit and no annual fee
- 29. Develop an app
- 2. Increased potential for legal disputes
- 26. Cybersecurity and IT consulting
- Winner for lowest fees: Spirit
- 27. Additional value through the InCircle rewards program
- 28. Pet grooming
- Look up the insurer’s financial strength
- 12. Become a dog walker with Rover or Wag
- 5. Maximizing your credit cards
- Majority
- Broadest coverage: HO-5 insurance
- 28. Catering company
- Your house
- 16. Courses in hobbies or interests
- 1. Lost wallet
- Google Ad Grants
- 11. Reduce your gas usage
- 28. AmEx Carbon Emissions Tracker
- 29. Florist
- Benefits of FHA loans
- 29. Real estate agency
- Cheapest auto insurance in Texas for 30-year-old drivers with one at-fault crash
- Cheapest auto insurance in Florida for 30-year-olds after a DUI
- 30. Make a smart appliance
- 14. Miniature golf course
- 3. Initial investment
- Your location
- 23. Startup incubator
- Product creation passive income ideas
- Cash App debit card
- Nationwide
- The Business Platinum Card® from American Express
- Ink Business Preferred® Credit Card
- Alternative investment cons
- 27. Online therapy
- No longer available: Barclaycard Arrival Plus® World Elite Mastercard®
- Cheapest auto insurance in California for 30-year-old drivers with one at-fault crash
- Research the insurer’s reputation for customer service
- Comun
- Limited coverage: HO-1 and HO-2 insurance
- Disadvantages of FHA loans
- Pros
- 30. Event venue and planner
- 31. Tap into virtual reality experiences
- 2. Mailbox theft
- You and your stuff
- 30. Massage therapist
- 13. Sell unused gift cards
- Citi® / AAdvantage® Executive World Elite Mastercard®
- 17. Bookkeeping and accounting
- 4. Federal and state regulation
- 28. PR consulting
- 12. Bundle cable and internet
- 1. Look at customer satisfaction scores
- 29. The Global Dining Access by Resy
- 24. Antivirus developer
- 14. Write content
- Cons
- 31. Tattoo and piercing shop
- Individual stocks
- Our pick for: Limited credit
- 32. Make a niche dating site
- The Unless Project
- Cheapest auto insurance in Texas for 30-year-old drivers after a DUI
- 15. Pedicab
- 3. Using public Wi-Fi
- 2. Consider financial strength
- 30. Exclusive events
- 25. Domain name broker
- 32. Veterinary office
- 33. Develop a chatbot
- 29. Podcasting
- 13. Switch your cell phone plan
- No longer available: Barclays Arrival® Premier World Elite Mastercard®
- Cheapest auto insurance in California for 30-year-old drivers after a DUI
- 31. Nutritionist
- Our pick for: Target gaming purchases
- 6. Borrowing money
- Bunq
- Pros
- Best insurance company for customer satisfaction: State Farm
- 18. Consulting
- Cheapest full coverage car insurance in Florida for 40-year-olds
- Ink Business Cash® Credit Card
- 3. Evaluate the policy options
- 31. An open invitation to events with Membership Experiences
- 14. List your spare bedroom on Airbnb
- Compare insurance rates for drivers with an accident
- 1. Understand your eligibility requirements
- 33. Food truck
- State Farm
- 34. Offer matchmaking skills
- 4. Data breaches
- 32. Personal trainer or fitness instructor
- Replacement cost vs. actual cash value
- Cons
- Dividend stocks
- 16. Farmers market
- 30. Life coaching
- No longer available: Barclaycard Rewards MasterCard®
- 32. A better view with American Express Preferred Access
- 34. Health clinic
- Delta SkyMiles® Platinum Business American Express Card
- 35. Be a virtual assistant
- Aldi Cares Community Grants
- 14. Reduce your electric bill
- 4. Get prices from a handful of companies
- 15. Publish a digital course
- Totem
- Our pick for: Good credit
- 5. SIM card swap
- 33. Beauty services
- 35. Bakery
- Cheapest full coverage car insurance in Texas for 40-year-olds
- Cheapest minimum coverage car insurance in Florida for 40-year-olds
- 31. Video production
- 2. Find and choose a microlender
- 19. IT support
- Ink Business Unlimited® Credit Card
- 36. Reinvent exercising
- 15. Lower your student loan payments
- Cheapest full coverage car insurance in California for 40-year-olds
- 34. Life coach
- How to maximize your rewards
- Car-related passive income ideas
- 17. Summer camp
- 6. Phishing or spoofing
- Zendesk Tech for Good Impact Awards
- 32. Resume writing and career coaching
- No longer available: Barclaycard CashForward™ World Mastercard®
- 33. No foreign transaction fees
- Travelers
- 37. Create eco-friendly, health-friendly makeup and beauty products
- 15. Sell your gently used clothes
- 3. Submit your application
- Best insurance company for military members: USAA
- 16. Cancel unnecessary subscriptions
- 34. Upgrade with points
- 16. Wrap your car with ads
- What is a prepaid debit card?
- Meet a local demand
- Cheapest minimum coverage car insurance in Texas for 40-year-olds
- United Club℠ Infinite Card
- 20. Graphic design
- Cheapest auto insurance in Florida for 40-year-olds with poor credit
- 38. Open a food truck or restaurant pop-up
- 7. Skimming
- 33. Dropshipping
- 35. Tutor
- Homeowners insurance deductibles
- Our pick for: Travel
- The Audacious Project
- 35. No preset spending limit
- Cheapest minimum coverage car insurance in California for 40-year-olds
- 39. Start an organization business
- 18. Surf school
- 17. Refinance your mortgage
- No longer available: Barclaycard Ring® Mastercard®
- 36. Daycare provider
- 17. Rent out a parking space
- What is a prepaid credit card?
- Standard (nonbank) neobanks
- 8. Phone scams
- 36. A lower annual fee on additional cards
- Our pick for: Walmart gaming purchases
- Scout locations
- 40. Do interior design for young professionals
- 34. Recruiting
- Where can you get a prepaid card?
- 16. Trade in old phones, electronics for cash
- Cheapest auto insurance in Texas for 40-year-olds with poor credit
- 21. Social media management
- Cheapest auto insurance in Florida for 40-year-olds with one speeding ticket
- Wells Fargo nonprofit grants
- 18. Set savings goals
- 37. CreditSecure
- 37. Senior care provider
- How to compare renters insurance
- 9. Looking over your shoulder
- 35. Marketing consulting
- Cheapest auto insurance in California for 40-year-olds with poor credit
- How do you add money to a prepaid card?
- Neobanks that are online banks
- Calculate the costs of starting a business
- 19. Horseback riding lessons
- 38. Interpreter or translator
- Marriott Bonvoy Brilliant® American Express® Card
- Our pick for: Instant gratification
- 36. Online fundraising or grant writing
- Which prepaid card is best?
- 10. Malware
- 39. Housecleaning
- 17. Get a babysitting gig
- Cheapest auto insurance in Texas for 40-year-old drivers with one speeding ticket
- 22. Marketing copywriter
- Cheapest auto insurance in Florida for 40-year-olds with one at-fault crash
- 37. Online course teaching
- 19. Track spending
- 38. Cell phone protection
- Digital wallets with banking services
- 1. Review your mission
- Cheapest auto insurance in California for 40-year-old drivers with one speeding ticket
- 7. Your credit score
- 38. Online cooking instruction
- 39. Purchase protection
- 40. Automotive repair
- 1. Gather your information
- 23. Virtual assistant services
- 20. Challenge course
- 2. Refine your search with keywords
- 20. Pay off high-interest debt
- 40. Return protection
- 41. Handyman services
- 18. Rent out your car
- Our pick for: PlayStation purchases
- Fintech firms with cash management accounts
- Cheapest auto insurance in Texas for 40-year-old drivers with one at-fault crash
- Cheapest auto insurance in Florida for 40-year-olds after a DUI
- 39. YouTube channel
- You have a roommate
- Prime Visa
- Our pick for: Personalized rewards
- 21. Keep savings in a high-yield savings account
- 41. Extended warranty
- Cheapest auto insurance in California for 40-year-old drivers with one at-fault crash
- 3. Narrow down based on location
- 42. Dry cleaners
- 40. Voiceover work
- 42. Baggage insurance plan
- 2. Choose the right liability car insurance coverage levels
- 22. Create a 50/30/20 budget
- 43. Hardware store
- You’re on a tight budget
- Cheapest auto insurance in Texas for 40-year-old drivers after a DUI
- 1. Do your research
- 4. Look for organizations with similar values
- 43. Car rental loss and damage insurance
- 19. Sign up for TaskRabbit
- 41. Start a team
- Cheapest auto insurance in California for 40-year-old drivers after a DUI
- 44. Self-storage business
- 2. Get organized and make it official
- Cheapest full coverage car insurance in Florida for 50-year-olds
- 44. Premium Car Rental Protection
- You would want new items if your belongings were destroyed
- Verizon Visa® Card
- 5. Consider hiring a grant writer
- 45. Freelance copywriting and content creation
- 23. Shop consignment and thrift stores
- 45. Trip delay insurance
- How do you want to make money?
- 46. Rideshare driver
- 20. Become a private tutor
- You own expensive jewelry or electronics
- 3. Find the right financing
- 46. Trip cancellation and interruption insurance
- Cheapest full coverage car insurance in Texas for 50-year-olds
- Cheapest minimum coverage car insurance in Florida for 50-year-olds
- How will you find work?
- 47. Website development and design
- Cheapest full coverage car insurance in California for 50-year-olds
- 47. Premium Global Assist Hotline
- 48. Sell clothes online
- 3. Decide if you need full coverage car insurance
- Our pick for: Best Buy purchases
- You have a dog
- How much autonomy do you want?
- 24. Join initiatives to get free items
- 21. Drive for Uber, Lyft
- 8. Taxes
- 49. SEO consultant
- Cheapest minimum coverage car insurance in Texas for 50-year-olds
- Cheapest auto insurance in Florida for 50-year-olds with poor credit
- Trip cancellation
- Cheapest minimum coverage car insurance in California for 50-year-olds
- 50. App development
- 25. Use car sharing services
- Trip interruption
- Cell phone protection
- 22. Make deliveries for Amazon, Uber Eats
- Cheapest auto insurance in Texas for 50-year-olds with poor credit
- Cheapest auto insurance in Florida for 50-year-olds with one speeding ticket
- Purchase protection
- 9. Paying off debt
- 26. Stock up on household supplies when they’re cheap
- Trip delay
- Cheapest auto insurance in California for 50-year-olds with poor credit
- 4. Collect and compare car insurance quotes
- Return protection
- 23. Find work as a housesitter
- Cancel For Any Reason
- Extended warranty
- Cheapest auto insurance in Texas for 50-year-old drivers with one speeding ticket
- Cheapest auto insurance in Florida for 50-year-olds with one at-fault crash
- 27. Enjoy community events
- Baggage insurance plan
- Cheapest auto insurance in California for 50-year-old drivers with one speeding ticket
- Our pick for: Digital Microsoft Store purchases
- Baggage delay
- Car rental loss and damage insurance
- 24. Sign up to be a mystery shopper
- 28. Cash in on your birthday
- Cheapest auto insurance in Texas for 50-year-old drivers with one at-fault crash
- Cheapest auto insurance in Florida for 50-year-olds after a DUI
- Lost baggage
- Trip delay insurance
- Cheapest auto insurance in California for 50-year-old drivers with one at-fault crash
- Trip cancellation and interruption insurance
- Travel medical insurance
- 25. Put your drone to work
- Cheapest auto insurance in Texas for 50-year-old drivers after a DUI
- Compare car insurance companies
- Cheapest auto insurance in California for 50-year-old drivers after a DUI
- Cheapest full coverage car insurance in Florida for 60-year-olds
- Conditions common to your dog’s breed
- Cheapest full coverage car insurance in Texas for 60-year-olds
- Cheapest minimum coverage car insurance in Florida for 60-year-olds
- Cheapest full coverage car insurance in California for 60-year-olds
- 10. Insurance
- Your dog’s energy and activities
- Cheapest minimum coverage car insurance in Texas for 60-year-olds
- Cheapest auto insurance in Florida for 60-year-olds with poor credit
- Wellness expenses
- Cheapest minimum coverage car insurance in California for 60-year-olds
- Cheapest auto insurance in Texas for 60-year-olds with poor credit
- Cheapest auto insurance in Florida for 60-year-olds with one speeding ticket
- Cheapest auto insurance in California for 60-year-olds with poor credit
- Decide whether your cat needs insurance
- Cheapest auto insurance in Texas for 60-year-old drivers with one speeding ticket
- Cheapest auto insurance in Florida for 60-year-olds with one at-fault crash
- Wellness expenses
- Cheapest auto insurance in California for 60-year-old drivers with one speeding ticket
- Cheapest auto insurance in Texas for 60-year-old drivers with one at-fault crash
- Cheapest auto insurance in Florida for 60-year-olds after a DUI
- 11. Investing
- Cheapest auto insurance in California for 60-year-old drivers with one at-fault crash
- 1. Check whether your pet is eligible
- 2. Research what’s covered
- Cheapest auto insurance in Texas for 60-year-old drivers after a DUI
- Cheapest auto insurance in California for 60-year-old drivers after a DUI
- Cheapest full coverage car insurance in Florida for 70-year-olds
- 3. Decide how much coverage you want
- Cheapest full coverage car insurance in Texas for 70-year-olds
- Cheapest minimum coverage car insurance in Florida for 70-year-olds
- Cheapest full coverage car insurance in California for 70-year-olds
- 4. Understand reimbursements and deductibles
- Cheapest minimum coverage car insurance in Texas for 70-year-olds
- Cheapest auto insurance in Florida for 70-year-olds with poor credit
- Cheapest minimum coverage car insurance in California for 70-year-olds
- 5. Check waiting periods
- 12. Starting or running a business
- Cheapest auto insurance in Texas for 70-year-olds with poor credit
- Cheapest auto insurance in Florida for 70-year-olds with one speeding ticket
- Cheapest auto insurance in California for 70-year-olds with poor credit
- 6. Examine extra costs
- Cheapest auto insurance in Texas for 70-year-old drivers with one speeding ticket
- Cheapest auto insurance in Florida for 70-year-olds with one at-fault crash
- 7. Compare quotes
- Cheapest auto insurance in California for 70-year-old drivers with one speeding ticket
- 13. Travel
- Cheapest auto insurance in Texas for 70-year-old drivers with one at-fault crash
- Cheapest auto insurance in Florida for 70-year-olds after a DUI
- Cheapest auto insurance in California for 70-year-old drivers with one at-fault crash
- Cheapest auto insurance in Texas for 70-year-old drivers after a DUI
- The NerdWallet Smart Money podcast
- Cheapest auto insurance in California for 70-year-old drivers after a DUI
- Auto insurance laws in California
- Low-income car insurance in California
1. Roll your debts onto a balance transfer credit card
0% introductory APR period.
A year or more to pay off debt without interest.
Requires good to excellent credit to qualify.
Usually carries a balance transfer fee.
Higher APR kicks in after the introductory period.
Also called credit card refinancing, this option transfers credit card debt to a balance transfer credit card that charges no interest for a promotional period, typically 15 to 21 months. You’ll need good to excellent credit (690 credit score or higher) to qualify for most balance transfer cards.
A good balance transfer card will not charge an annual fee, but many issuers charge a one-time balance transfer fee of 3% to 5% of the amount transferred. Use NerdWallet’s balance transfer savings calculator to see whether the interest you save over time will wipe out the cost of the fee.
Aim to pay your balance down completely before the 0% intro APR period is over. Any remaining balance after that time will have a regular credit card interest rate.
» COMPARE: Best balance transfer credit cards
2. Apply for a credit card consolidation loan
Fixed interest rate means your monthly payment won’t change.
Low APRs for good to excellent credit.
Direct payment to creditors offered by some lenders.
Hard to get a low rate with bad credit.
Some loans carry an origination fee.
Credit card consolidation loans, also called debt consolidation loans, are fixed-rate loans that come in a lump-sum, ranging from $1,000 to $50,000, with terms up to seven years. You can apply for a consolidation loan at your local credit union, bank or through an online lender.
Credit unions are not-for-profit lenders that may offer their members more flexible loan terms and lower rates than other lenders, especially for borrowers with fair or bad credit (689 credit score or lower). The maximum APR charged at federal credit unions is 18%. You’ll need to become a member before you apply for a consolidation loan, but membership is typically quick and affordable.
Bank loans provide competitive APRs for good-credit borrowers, and benefits for existing bank customers may include larger loan amounts and rate discounts. If you have a good relationship with your bank, ask what their consolidation options are before committing to another lender.
Online lenders offer debt consolidation loans for borrowers across the credit spectrum, so they’re a good option if you can’t qualify through a credit union or bank. Most online lenders also let you pre-qualify without affecting your credit score, which is less common among banks and credit unions. Pre-qualifying gives you a preview of the rate, loan amount and term you may get once you formally apply.
Look for lenders that offer special features for debt consolidation. Some lenders, for example, will discount the rate on a debt consolidation loan or send the loan funds directly to your creditors, simplifying the process.
Use NerdWallet’s debt consolidation calculator to enter all of your debts in one place, see typical rates from lenders and calculate savings.
» COMPARE: Best credit card consolidation loans
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3. Tap your home equity for a loan or line of credit
Typically lower interest rates than personal loans.
May not require good credit to qualify.
Long repayment period keeps payments lower.
You need equity in your home to qualify, and a home appraisal is usually required.
Secured with your home, which you can lose if you default.
If you’re a homeowner, you may be able to take out a loan or line of credit on the equity in your home and use it to pay off your credit cards or other debts. This is an option for borrowers who can’t qualify for credit elsewhere.
A home equity loan is a lump-sum loan that you pay back with a fixed interest rate, meaning you’ll have predictable monthly payments and a clear finish line. However, these loans are less flexible than a line of credit, which works like a credit card with a variable interest rate.
A HELOC, or home equity line of credit, often requires interest-only payments during the draw period, which is usually the first 10 years. That means you’ll need to pay more than the minimum payment due to reduce the principal and make a dent in your overall debt during that time.
Since both of these types of credit are secured by your house, you’re likely to get a lower rate than what you would find on a personal loan or balance transfer credit card. However, you can also lose your home if you don’t keep up with payments.
4. Borrow from your 401(k)
Lower interest rates than unsecured loans.
No impact on your credit score.
Reduces your retirement fund.
Heavy penalty and fees if you can't repay.
If you lose or leave your job, you may have to quickly pay back your loan.
If you have an employer-sponsored retirement account like a 401(k) plan, you can typically borrow up to half the amount (with a $50,000 maximum), for a term up to five years, to help pay off your debts. These loans usually come with single-digit interest rates, so they’re much cheaper than credit cards, and any interest you pay goes back into your account. Another benefit is this loan won’t show up on your credit report, so there’s no impact on your score.
But taking out a 401(k) loan is very risky. Not only can it significantly impact your retirement savings, if you can’t repay, you’ll owe a hefty penalty plus taxes on the unpaid balance, and you may be left struggling with more debt.
Plus, if you lose your job or quit, the loan is automatically due on tax day of the next year.
Consider a 401(k) loan only after you’ve ruled out balance transfer cards and other types of loans.
5. Enter a debt management plan
Fixed monthly payments.
May cut your interest rate by half.
Doesn't hurt your credit score.
Startup fees and monthly fees are common.
It may take three to five years to repay your debt.
Debt management plans roll your credit card balances into one monthly payment at a reduced interest rate. You then pay it off over three to five years. These plans work best for those who are struggling to pay off credit card debt but don’t qualify for other options because of a low credit score.
Unlike other credit card consolidation options, opting into a debt management plan won’t hurt your credit score, and if you’re able to make payments on time, it should help.
But debt management plans typically come with fees, so you’ll want to verify the fee amounts and how they affect your overall payoff plan before making a commitment. Going through a nonprofit credit counseling agency is a good way to find an affordable debt management plan.
If your credit card debt is more than 40% of your income and can’t be repaid within five years, bankruptcy may be a better option than a debt management plan.
» MORE: Compare debt payoff strategies
What is credit card consolidation?
Credit card consolidation is when you use another credit product to pay off your credit card balances in one fell swoop. You’re then left with only one payment on your new debt.
For consolidation to make sense, the new debt should have a lower annual percentage rate than your credit cards, so you save money on interest. You can even apply that savings back to your debt, which will shorten the payoff period and get you out of debt faster.
How does credit card consolidation work?
Credit card consolidation works by using a different credit product to pay off your credit card balances at a lower interest rate. The logistics depend on which product you choose.
For example, if you go with a credit card consolidation loan, you’ll need to apply for the loan with a bank, credit union or online lender. Once approved, you’ll receive the money in your account, which you can use to pay off your credit cards.
If you have $10,000 in debt across four credit cards, you’d apply for a $10,000 loan then individually pay off each of the four cards (some lenders offer to pay off your cards for you). You’re then left with one fixed payment on the consolidation loan, which you make monthly, until the loan is paid off in full.
» MORE: How do consolidation loans work?
Is consolidating credit card debt a good idea?
Consolidating credit card debt is a good idea if you can qualify for a low enough interest rate and pay off the debt during the allotted time period, which will vary based on the consolidation product you choose.
You’ll also want to be certain you can keep your credit card balances at or near zero while you pay off the new debt. For example, if you take out a consolidation loan to pay off your credit cards, but then accumulate a balance on your credit cards again, you’ll be in a worse position than when you started.
Can I still use my credit card after debt consolidation?
If you consolidate your credit cards, you can still use them. Consolidating just means you’re paying them off, so your balances will be at zero, but the cards themselves will remain open unless you take the step of closing them.
Closing a credit card can hurt your credit score. Financial experts often suggest tieing a small recurring expense, like your monthly phone bill, to the card to keep it active. Avoid paying for nonessential expenses with your credit card, since this could delay getting out of debt.
Debt consolidation rolls multiple debts, like high-interest credit cards or loans, into a single payment.
The best way to consolidate credit card debt depends on how much debt you have, your credit score and what existing financial resources you can pull from, but popular options include balance transfer cards and consolidation loans.
A consolidation loan might be better than paying off credit cards on your own if you can qualify for a lower interest rate than the average rate on your cards. This would reduce interest costs, lower your monthly payment and potentially get you out of debt faster.
Consolidating debt affects your credit in a few ways. Your credit score may temporarily dip when a lender or card issuer does a hard credit inquiry. Making a late payment on your consolidation product can also hurt your credit. But if you pay on time and stay out of debt in the future, the overall effect could be positive.
rolls multiple debts, like high-interest credit cards or loans, into a single payment.
The best
way to consolidate credit card debt
depends on how much debt you have, your credit score and what existing financial resources you can pull from, but popular options include balance transfer cards and consolidation loans.
A
consolidation loan
might be better than paying off credit cards on your own if you can qualify for a lower interest rate than the average rate on your cards. This would reduce interest costs, lower your monthly payment and potentially get you out of debt faster.
Consolidating debt affects your credit
in a few ways. Your credit score may temporarily dip when a lender or card issuer does a hard credit inquiry. Making a late payment on your consolidation product can also hurt your credit. But if you pay on time and stay out of debt in the future, the overall effect could be positive.
on NerdWallet