Articles tagged #DebtManagement

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10 Smart Ways to Use Your Tax Refund

Kat Tretina January 22, 2025 • 4 Minute Read
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You may have already started dreaming about ways you could use your refund dollars. But before you start spending, take a step back and consider if there are other ways you can use your refund to improve your financial standing. Learn more from these 10 smart ways you can use your tax refund.
Ingenious Ways to Save Money

Amanda Peterson October 8, 2024 • 1 Minute Read
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From buying generic, to reducing your energy usage, if you're looking for simple but effective ways to save, CreditSoup has 6 smart, ingenious ways to help you keep more money in your pocket.
Avoid High-Interest Loans: Look for Lower Interest Rate Options

Amanda Peterson July 10, 2024 • 2 Minute Read
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This Wise Spend Wednesday, look into smart ways to avoid high-interest loans by exploring lower interest rate options like personal loans, credit unions, and 0% APR credit cards. Save money and reduce financial stress with these practical tips from CreditSoup!
Celebrate Independence Day with Financial Freedom

Amanda Peterson July 1, 2024 • 1 Minute Read
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This Independence Day, as you enjoy the fireworks and festivities, take a moment to celebrate your journey toward financial freedom. CreditSoup has some easy steps to take to get on the right track to financial freedom.
Grilling Up Financial Responsibility - Managing Credit Card Debt

Amanda Peterson June 24, 2024 • 2 Minute Read
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Summer grilling is a lot like managing credit card debt. They both involve strict budgeting habits, strategy, and who could forget that little bit of responsibility. CreditSoup breaks it down in our latest article.
Half of Americans Received No Education on Credit Cards; That’s a Problem

Kat Tretina June 14, 2024 • 4 Minute Read
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If you juggle multiple credit cards and carry a balance, you’re not alone. According to The Motley Fool, cardholders in the United States have an average of $6,360 in credit card debt. Millions of people have credit card debt, making it one of the most serious financial issues affecting individuals.
Avoid Fees & Pay Off Credit Cards In Full

Amanda Peterson May 8, 2024 • 2 Minute Read
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Conquer credit card debt by paying your credit card in full each month. This week's Wise Spend Wednesday from CreditSoup is a financial game-changer! Read more to find out how.
Top 5 Tips to Take Control of Your Money

Amanda Peterson April 29, 2024 • 1 Minute Read
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April is Financial Literacy Month, and throughout the month, CreditSoup has been diving deep into 5 key habits to build a strong financial foundation. Here's a quick recap to help you stay on track.
Squeeze the Most Out of Your Tax Refund: How Secured Credit Cards Can Boost Your Credit This Season

Amanda Peterson April 15, 2024 • 2 Minute Read
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It's tax time & you've got money to burn. Before you go on a spending spree, consider using your refund to invest in your financial future – by cleaning up your credit with a secured credit card.
The Young Adults Guide to Finance

CreditSoup Staff April 9, 2024 • 8 Minute Read
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Growing up is inherently unnerving. Money, however, doesn't have to be the scary monster that many people think. CreditSoup has all the details from money management to investments here, in this article from the CreditSoup.com blog.
Financial Literacy - The Inside Scoop To Financial Freedom

Amanda Peterson March 28, 2024 • 1 Minute Read
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Unlock your financial potential! CreditSoup explains why financial literacy is key to managing money, reaching financial goals, and reducing stress. Free tips & resources!
11 Ways To Spring Clean Your Wallet

Amanda Peterson March 25, 2024 • 2 Minute Read
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Spring clean more than just your home this year. CreditSoup has your guide to a financial spring cleaning that will leave your wallet feeling fresh and ready to take on the year with these 11 financial tips!
Stuck in the 500s? 5 Ways to Boost Your Credit Score

Amanda Peterson March 15, 2024 • 2 Minute Read
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A credit score in the 500s can feel limiting. With some focused effort, you can climb out of the 500s and into a more favorable credit zone. CreditSoup has 5 key strategies to get you started.
Watch Your Credit Score

Amanda Peterson December 29, 2023 • 2 Minute Read
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It's Frugal Friday and as the holiday shopping frenzy winds down, it's crucial to be mindful of the potential impact on your credit score. Holiday spending and how you repay it, can have a big impact on your credit score.
The Shopping Effect on Your Credit Score

Amanda Peterson December 28, 2023 • 1 Minute Read
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Approaching holiday expenses with a thoughtful strategy, you can enjoy the festivities without compromising your credit score. CreditSoup has 4 tips to save your credit score.
The Power of Documenting Your Expenses

Amanda Peterson December 21, 2023 • 2 Minute Read
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Keep a detailed record of your expenses to stay within your budget, allowing you to enjoy your destination holiday without the lingering worry of potential credit score impacts. CreditSoup breaks it down.
Exploring Fresh Side Hustles for Financial Growth

Amanda Peterson November 13, 2023 • 2 Minute Read
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When it comes to side hustles, thinking outside the box can open up exciting opportunities for extra income and personal growth. Choose a side hustle that aligns with your interests and skills, and you'll be well on your way to boosting your finances and achieving your goals.
Wise Spend Tip: Pay Off Credit Cards Monthly

Amanda Peterson November 1, 2023 • 1 Minute Read
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To truly maximize the benefits of credit cards, it's essential to develop a responsible payment habit – paying off your credit card monthly. In this week's Wise Spend Wednesday, let's explore the reasons why this practice can lead to financial freedom.
Top 5 Apps That Will Automatically Grow Your Savings Account

Johnny Monroe May 23, 2023 • 4 Minute Read
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Saving money each month is hard. We are told to save X-amount of our income each month, but what if your expenses don’t allow for an allocated savings budget? Here are the top 5 apps that will help you put more money into savings each month with minimal effort.
Bring Your Lunch

Amanda Peterson May 19, 2023 • 2 Minute Read
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Bringing your lunch can save you on average $10-$20 per day. Even just bringing your lunch for ONE DAY out of the week can add up to around $80/month or more! Here are a few tips to help you plan!
Use What's In Your Pantry

Amanda Peterson May 17, 2023 • 2 Minute Read
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CreditSoup's weekly Wise Spend Wednesday tip this week involves using what's in your pantry. Why waste money buying more random things when you haven't used up the things still sitting in your pantry or cupboards. We have solutions for that problem!
4 Strategic Ways To Improve Your Credit Score

CreditSoup Staff May 8, 2023 • 4 Minute Read
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Paying off your debt will improve your credit, but understanding how to pay off your debt could help increase your credit score exponentially. Learn more about how to strategically manage your credit score and may the most of your payments.
Save Money: Repair Your Own Clothing

Amanda Peterson March 31, 2023 • 3 Minute Read
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Have you seen the price of clothing lately? The average American throws away 81 pounds of clothes each year, with nearly 95% of which can be reused or recycled. With inflation on most things right now at an all-time high, Frugal Friday discusses how to save money and repair your own clothing.
Car Refinancing Made Easy, Smart and Safe!

Erin Benson February 28, 2023 • 1 Minute Read
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Refinancing your car means you are replacing your current auto loan with a new one. Just like any other refinancing, that new loan will pay off your original loan and you start to make payments on the new loan. Everyone’s situation is different. iLending is a great start.
Pay With Cash

Amanda Peterson February 1, 2023 • 3 Minute Read
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Paying for things with cash definitely has it's perks. It's a handy way to monitor how much you have & don't have to spend. However, there are people out there that struggle at saving cash or don't use it responsibly. CreditSoup's Wise Spend Wednesday touches on the good & bad of paying with cash.
Everything You Should Know About Your First Credit Card

Amanda Peterson January 31, 2023 • 3 Minute Read
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Applying for your first credit card can be very exciting but it is also a very important first step is creating a solid financial future. Here’s everything you need to know about applying for your first credit card.
4 Ways to Pay Down Debt

Amanda Peterson January 11, 2023 • 3 Minute Read
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I'm sure you're probably overwhelmed by now and wondering "where do I even start?" to get rid of that credit card debt. Fortunately, CreditSoup has 4 ways to begin paying down that debt.
Frugal Friday Suggests Working From Home

Amanda Peterson January 6, 2023 • 2 Minute Read
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Frugal Friday this week is a tip that we all can agree on. And, thanks in part to the pandemic, made us realize how much we actually do save by working from home! The following three items factor into the cost involved in your weekly work commute.
Wash Your Car Yourself

Amanda Peterson December 29, 2022 • 2 Minute Read
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Thrifty Thursday this week talks about washing your car yourself. Experts suggest washing your car every two weeks and getting a detail twice a year to make sure it stays in good condition. CreditSoup offers some tips to help keep your vehicle in pristine condition!
Money Saving Tip: Automate Your Savings

Amanda Peterson December 21, 2022 • 1 Minute Read
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Looking to build your savings account effortlessly? There's no easier way than to automate your savings account. This Wise Spend Wednesday we touch on building your savings account!
How to Repay Holiday Debt

Kat Tretina December 19, 2022 • 5 Minute Read
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If you have debt after the holidays, you’re not alone. By using these five tips, you can get out of debt, and save money in the process, putting you in a more secure financial position for next year’s holiday season.
5 Reasons Why You Should Never Take a 401(k) Loan

Kat Tretina October 28, 2022 • 3 Minute Read
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When you need cash for a downpayment on a home or when you hit a financial emergency, your retirement nest egg can look pretty appealing. You might have thousands stashed away in a 401(k), so when you need money quickly, taking a loan from your own account can be tempting.
Downsize & Declutter

Amanda Peterson September 15, 2022 • 2 Minute Read
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Is your home cluttered? Do you have a lot of stuff... everywhere, that you no longer need? Maybe it's time to go Marie Kondo on it, and set it free if it does not bring you joy. But now what do you do with those things that do not bring you joy? Get rid of them of course! This week's Thrifty Thursday focuses on downsizing and decluttering.
Top 10 Items To Buy In Bulk

Amanda Peterson September 7, 2022 • 2 Minute Read
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Stock up to avoid making numerous trips to the store. If you purchase things in larger quantities, they come at a lower price per ounce, so save money & buy in bulk!
Open A Free Bank Account

Amanda Peterson August 17, 2022 • 1 Minute Read
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Banks often charge monthly fees just to maintain your checking account. But that doesn’t mean it’s impossible to sign up for a free checking account that can save you a few bucks! CreditSoup lists 7 banks that offer such.
Buy Used

Amanda Peterson July 13, 2022 • 1 Minute Read
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Why spend hundreds of dollars on name brand clothes, shoes, and toys when they will grow out of it almost as soon as you purchase it? Save money now. Put that extra money you may have spent on high dollar items in a savings account for when they get older. Or, use that money and take them on a fun vacation or trip!
Freeze Any Leftovers

Amanda Peterson July 1, 2022 • 1 Minute Read
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This week's #FrugalFriday focuses on leftovers! Did you make too much of a meal, or not feed as many as you originally thought? Be frugal and freeze it!
Do All Your Errands in One Day

Amanda Peterson June 9, 2022 • 1 Minute Read
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CreditSoup's Thrifty Thursday tip this week is to save money by running all of your errands in one day. Not only will this alleviate extra trips to the store, you'll be saving gas money and preventing those impulse buys from extra trips! Schedule a day, map it out, and utilize online services.
Stop Using Paper Towels

Amanda Peterson May 20, 2022 • 1 Minute Read
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CreditSoup's #FrugalFriday: Using hand towels & dish rags instead of throw-away, single use paper towels is not only good for the bank account, it's also great for the environment! Depending on the brand you prefer, that's an average SAVINGS of $10-$30/mo or up to $300/year!
Sell Items You Don't Use or Need

Amanda Peterson April 28, 2022 • 2 Minute Read
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If you have some things you really don't use or need, sell them for instant profit! Use those funds to pay down existing debt and build your credit!
Shop Generic or Clearance

Amanda Peterson April 14, 2022 • 1 Minute Read
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Why waste money on full price, brand name items that maybe get a few uses out of? Buying generic products or finding things on clearance are sometimes just as good as purchasing the same name brand thing at full price.
Personal Debt Management Tips | Managing Short-Term Debt

CreditSoup Staff September 27, 2018 • 3 Minute Read
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At some point in your life you with experience a situation that will require you to take on unexpected debt, but taking on this new debt doesn’t have to alter your way of life or affect your credit negatively. Follow these simple tips to effectively manage your short-term personal debt.
Learn to be Financially Responsible

Kirsten Thuringer April 27, 2016 • 2 Minute Read
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Graduation is here and before you know it you could be faced with some tough financial decisions. Check out these personal finance basics to get you ready for the next phase in your life.
Ways to Reduce Debt

Camie Sims February 25, 2014 • 2 Minute Read
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Tips to reduce debt and improve your finances can vary from budgeting to listing debts to requesting lower interest rates.

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