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.
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The Biggest Mistake I Made with My Debt in 2024
Categories: credit cards, Debt Management, Financial Terms
Today we are going to discuss the biggest mistake I made with my debt in 2024. Even the most careful people can miss something small. That’s what happened to me this year. I thought I had everything under control, however one mistake cost me over $2,000 in extra interest. The good news? I learned a […]
Pay Off Bad Debt
Categories: Debt Management, Financial Terms
Bad debt can feel like a heavy weight on your shoulders. High-interest credit cards, payday loans, or personal loans often come with big monthly payments that barely touch the balance. But there’s good news, you can pay it off faster with a plan. Start by listing your debts, including the balance, interest rate, and minimum […]
Learning Never Ends!
Categories: Motivation
Save Money with a Home Equity Loan
Categories: credit cards, Debt Management, Financial Terms
Today we will explore how you can save money with a home equity loan. A home equity loan can be a smart way to save money while reaching your financial goals. Think of it like borrowing against the value of your home, but at a lower interest rate than many other loans or credit cards. […]
Which is Best: Points or No Points?
Categories: Debt Management, Financial Terms, Mortgage
When getting a loan, you often hear about “points.” But what are they, and how do you know if they’re worth it? Which is best for you, points or no points? Let’s break it down. What are they? Points are upfront fees you pay to lower your loan’s interest rate. For example, let’s say you’re […]