Our Smart With Debt blog guides you on how to live the life you desire with your own money, not borrowed from banks or lenders. We strive to support those who are serious about managing their debt and discovering ways to leverage it for financial gain.
We may request cookies to be set on your device. We use cookies to let us know when you visit our websites, how you interact with us, to enrich your user experience, and to customize your relationship with our website.
Click on the different category headings to find out more. You can also change some of your preferences. Note that blocking some types of cookies may impact your experience on our websites and the services we are able to offer.
These cookies are strictly necessary to provide you with services available through our website and to use some of its features.
Because these cookies are strictly necessary to deliver the website, refusing them will have impact how our site functions. You always can block or delete cookies by changing your browser settings and force blocking all cookies on this website. But this will always prompt you to accept/refuse cookies when revisiting our site.
We fully respect if you want to refuse cookies but to avoid asking you again and again kindly allow us to store a cookie for that. You are free to opt out any time or opt in for other cookies to get a better experience. If you refuse cookies we will remove all set cookies in our domain.
We provide you with a list of stored cookies on your computer in our domain so you can check what we stored. Due to security reasons we are not able to show or modify cookies from other domains. You can check these in your browser security settings.
We also use different external services like Google Webfonts, Google Maps, and external Video providers. Since these providers may collect personal data like your IP address we allow you to block them here. Please be aware that this might heavily reduce the functionality and appearance of our site. Changes will take effect once you reload the page.
Google Webfont Settings:
Google Map Settings:
Google reCaptcha Settings:
Vimeo and Youtube video embeds:
You can read about our cookies and privacy settings in detail on our Privacy Policy Page.
Privacy Policy
Cash-Out Refinance vs Home Equity Loan – Which Saves You More Money
Categories: Debt Management, Financial Terms, Mortgage, Refinance
Today we are going to discuss a cash-out refinance vs home equity loan – which saves you more money? Before you decide, run your numbers. This is not opinion. Instead, it is just math. You compare two paths, and then the better one shows up.Also, many couples see debt differently. One person often trusts numbers […]
How to Get Out of Debt Faster Using Zero Percent Credit Cards
Categories: credit cards, Credit Resources, Debt Management, Motivation
Today we are going to discuss how to get out of debt faster using zero percent credit cards. Most people want out of debt. However, they don’t want a second job. Also, they don’t want to cut every fun thing from life. So, here’s the good news: You may be able to get out of […]
The HELOC Payment Everyone Misses (Pay It Off Faster)
Categories: Debt Management, Financial Terms, HELOC, Mortgage
Today we are going to discuss the HELOC payment everyone misses (pay it off faster). Most people look at one number when they open a HELOC.That number is the minimum payment. Yes, that payment matters.However, it is only part of the story. Because of that, many people miss the most important HELOC payment of all.This […]
How to Estimate Your HELOC Payment Before You Borrow
Categories: Debt Management, Financial Terms, HELOC, Mortgage
Today we are going to discuss how to estimate your HELOC payment before you borrow. A HELOC can be a powerful tool. However, it can also feel confusing at first. That’s because your payment can change over time. Still, even with that uncertainty, you can get very close to your real payment. You just need […]
Enjoy Life More With Better, Cheaper, Smarter Debt
Categories: credit cards, Credit Tips, Debt Management, Mortgage, Retirement
Today we are going to discuss how you can enjoy life more with smarter debt! Clarity Comes First. Confidence Follows. Let’s be honest. Most of us carry more debt through life than savings or retirement. In fact, for many people, debt stays with them longer than any investment account ever will. So, because debt will […]