2 ways to slay your debt dragon and a bonus DIY plan
Hi Erica, I am trying to decide if I should take out a debt consolidation loan to pay off my credit card debt or get another credit card that has 0 percent APR for a period of time. I got approved for...
View ArticleAfter the love, challenges in collecting a debt remain
Hi Erica, My ex-girlfriend owes me $1,000. I am in a money bind now, and she won't pay me back, claiming she has no money. But I know she is working and going out, and I also know she has credit cards....
View Article9 tips to help new cardholders build credit and avoid debt
With a slick new piece of plastic at one's fingertips and a pristine credit slate, it's easy for a first-time cardholder to get in over his or her head. “This happens a lot, particularly with young...
View ArticleCreate a get-out-of-debt plan before baby arrives
Hi Erica, I'm pregnant! I just found out! I want to pay off my debts before the baby is born. I need help, though. My debts total $14,000 — $6,000 is my car loan and the rest is split up between two...
View Article6 ways to finance a medical procedure
Need an expensive medical procedure, but can’t pay for it? Seems people from all walks of life are in the same shaky financial situation — and not just the uninsured. Many people with insurance have...
View ArticleHow to pick the best business credit card
If you own a small business, getting a business credit card can be advantageous. Not only can you separate personal from business expenses, but tax time will be simpler with your business card’s record...
View ArticleHow to make the most of your first rewards card
If you don’t learn how rewards cards work before you get your first one, your experience may not be very rewarding. “If you’re going to use a credit card anyway, you may as well get an added advantage...
View ArticleHow credit cards work in 3 easy lessons
Hi Erica, How can I tell when my credit is good enough for a credit card? I didn’t have a credit card or car loan before. What do I do to start? This is new to me and no one ever explained it before....
View ArticleHow to use an inheritance to pay down card debt
Hi Erica, I received an inheritance of $10,000, but what should I do with it? I have six credit cards with card debt totaling almost $12,000. Most of that amount was not from me being irresponsible....
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