Recent content by ANT

If you save on interest and the payment is lower go for it.

Consolidating your debt can be a smart move if it lowers your APR and shortens your repayment time. Just remember: try not to use those credit cards again afterward. Otherwise, you'll end up with two payments to manage: Your new consolidation payment. Plus the minimums on any new balances.

Think twice about a debt consolidation loan. My experience was that it actually hurt my credit score. It’s a common step, but it can sometimes backfire. Here’s a quick look at why it might happen: It can lower the average age of your credit accounts. Applying for the loan creates a hard...

I've tried both a debt relief program and a consolidation loan. My finances are now much easier to handle. The right options can work but you need to do your part by changing your spending habits! Here's what I did: With the debt relief company (a law group), they negotiated five credit...

You could try going to the group's main page. Type debt consolidation into the search bar. This is a great way to see what other members have shared about their experiences.

I got turned down cause of my debt to income!

Went to my local credit union. Got a $15K loan payment were $300 mo.

Imo emergency fund needs to be 6 months of bills and food paid

Hey there! Want to know when there's new activity on a post you like? It's easy: Find the three little dots (...) in the top right corner of the post. Click on them. Select Get notified about this post. That's it! You'll then get all new comments sent straight to your notifications. Pretty...

can i. ask who you did a consolidation loan through

Here's a clear, practical guide to handling your money 1. Save for taxes first. It's smart to set aside about 30% of your income for this. 2. Create a starter safety net. Save enough to cover one month of expenses and keep it in a High Yield Savings Account (HYSA). This is your first...

Reaching out to a nonprofit consumer credit service is a smart move. They can: Help you create a clear plan. Walk you through your options. It's a great first step to take.

Hi there. First, I want to acknowledge how much you're juggling—single parenting, long shifts, and managing debt on your own is a huge challenge. The fact you have a budget notebook you've used for two years is a fantastic foundation; that consistency is key. Let's build a plan that works with...

Changing to a single payment won't affect how much you can pay overall. You can't get out of debt just by rearranging it. The real way out is by paying it off step by step.

I know it can be tough, but you've got this! I'm 68 and I've been working 7 days a week, over 60 hours, for the last four years. Even though it's just e, I still find it a challenge to get all my personal tasks done. Stay focused on your money goals. Being mindful and intentional with your...