Credit Card Wisdom from FTP – Pay Off Credit Card Debt Fast
Most people don’t rack up credit card debt overnight. It can take months or even years to fall into this trap. Credit cards are one of the primary reasons most individuals find themselves living paycheck to paycheck. Conquer your credit cards and you will save more cash and remove a whole bunch of stress from your life.
From an FTP perspective, managing your way out of debt is about changing your beliefs and learning a different approach to credit card management. I call it credit card wisdom. These articles focus on how to change your beliefs about credit cards and a different way to successfully integrate them into your finances. And pay off credit card debt fast.
You’ve seen these 0% balance transfer offers advertised before? An Insane Credit Card Offering 0% Interest Transferring Your Balance to a 21-Month 0% APR is Ingenious Demolish Your Debt with this 18-Month 0% Credit Card Are you considering a 0% balance transfer offer to pay off debt? Or maybe consolidate your debt. […]
Holiday credit card debt is kind of like the flu. Once you have it, it tends to stick around for a while. If you find yourself overwhelmed with holiday credit card debt, you’re not alone. Here are five simple ways to avoid a repeat of your credit card debt next year. (Updated for 2020) […]
Regardless of which survey you read, most indicate that the average U.S household struggling with credit card debt is carrying a revolving credit card balance of over $6,800 (nerdwallet 2018). This translates to over $434 billion in consumer debt in the United States. The financial costs of credit card debt are obvious. Paying more […]
Finding good practical advice on how to pay off your debt is easy. A simple Google search will get you a whole bunch of great articles. Including the ones, you can find here on FTP. However, what you won’t find often enough is articles on what’s NOT important when you’re paying off debt. The things […]
So you’re looking at your monthly payments, a car loan, a student loan and a bunch of credit cards. And you’re wondering how do I get out from under all this debt? How do I lower my monthly payments? You’ve heard of this thing called a debt consolidation loan, and your wondering, is debt […]
I was recently reading some posts on Reddit on how to stop using credit cards. Some individuals discussed how they benefit from credit card use, others explained how they don’t trust themselves with credit cards. In classic Reddit fashion, the discussions were direct and spirited. Debating the pros and cons of credit card use is […]
Are you concerned about credit card fraud? Worried about someone making unauthorized charges to your debit or credit card. If you are, here is one simple method you can use to minimize your exposure to fraud and avoid fraudulent charges. This may be the most important credit card alert you ever use. It’s called […]
Most often the discussion surrounding consumer debt focuses on how to get out of debt. Why debt is bad, and why saving money is good. In addition, debt is often a topic of interest for many personal finance books and blogs. These perspectives are educational, relevant and important to the cause and effort of […]
Actually, the real question might be – how many credit cards should you have based on what the credit card companies think? Here is how I manage my credit score of over 800 with one credit card. Ever since I started blogging about personal finance topics I have wanted to write an article […]
The snowball method can be used as a means to pay off all forms of debt. Your mortgage, car loans, home equity loans, medical debt, and student loans just to name a few. However, where it can really be effective is if you’re trying to pay off credit card debt. From my […]
Prior to the 2016 Christmas holiday, I received a notification from my credit card company that they were tracking some suspicious card activity on my account. I immediately logged into my account and found over $500 in unauthorized charges. The charges were for everything from household decorations to shoes. I contacted the online fraud […]
Who has the best identity theft protection services? I have written previously about my experiences with credit card fraud and provided my recommendations on how you can actively monitor your credit card transactions by lowering your transaction threshold to receive email alerts. Although credit card fraud is one area of concern when you think about […]
Guest Contribution by Patricia Sanders, a regular contributor at wiki.debtcc.com Sacrifice. You’ll come across this term a lot of time with regards to paying off debt. But how far should you go? How much should you sacrifice when paying off credit card debt? Should you give up everything just to save money and pay off […]
We all love to spend money. It makes us feel good, it’s fun, makes us feel confident and even empowered. Of course, the challenge is making sure we are spending the money on the right things and for the right reasons. As it relates to our finances and as discussed […]
