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My husband and I have done the same, and it's been a big help. We cover rent and utilities to support my mom. With a baby on the way, we thought about moving but decided to stay. It's a sacrifice, but it will pay off when we buy a house in a couple of years.

Lock them in their app. If lost or stolen, they can't be used. The extra steps required to use them might make you think twice.

Use it for one bill, like Netflix. Link the credit card to your Netflix account, then set up autopay with your regular account. Your score will improve. It’s not about the amount it’s about showing creditors you’ll pay back what you borrow.

Yes, if a creditor writes off part of your balance, it is considered income and must be reported. Failing to report it can result in a bill from the IRS, including penalties and interest. It’s more cost effective to include it in your filing now.

If you're not willing to invest, consider putting it in a high yield savings account to let it grow.

I did a personal loan and now just pay that each month.

BOQ stands for Bank of Queensland in Australia. Fixed interest loans for the life of the loan are not available here. The average after-tax wage is around 5,500 a month, so a 4,000 mortgage is not affordable for most people.

Public records such as bankruptcies, child support orders, civil judgments, tax liens, and foreclosures can significantly impact your credit score. While these records are legally reportable, inaccuracies can occur, and the Fair Credit Reporting Act (FCRA) provides you with rights to address...

Having debt and vacationing at the same time? Not ideal. Buying a house on top of that? Adds more financial strain. Paying off debt by working multiple jobs? Brutal, but sometimes necessary. Prioritize your finances.

Not sure about the rest but would definitely start with chase 26% interest