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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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 […]
Credit Card Debt: How to Save Thousands Every Year
Categories: credit cards, Debt Management
Today we are going to discuss credit card debt and how to save thousands every year! The end of 2024 brought a surge in holiday spending, leaving many with growing credit card debt. With interest rates on credit cards skyrocketing, it’s crucial to make smart moves to reduce your costs. Let’s explore how to pay […]
Find the Right Debt!
Categories: Motivation
Finding the Best HELOC Rate in Today’s Market
Categories: Debt Management, Financial Terms, HELOC
In today’s market, finding the best HELOC rate in today’s market can feel like searching for a needle in a haystack. Rates are all over the place, and lenders offer different deals depending on your credit, equity, and location. But don’t worry, there’s a simple way to cut through the noise and find the best […]