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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Repairing Your Credit
Categories: Credit Tips, Debt Management
Repairing your credit might sound overwhelming, but it’s easier than you think. Credit scores aren’t set in stone, they’re like a report card you can improve over time. Whether you’re trying to buy your first rental property or just want better loan options, taking steps to repair your credit today can open doors tomorrow. Example: […]
Is a HELOC right for me?
Categories: Uncategorized
So many people ask “is a HELOC right for me?” A HELOC, or Home Equity Line of Credit, is like having a credit card tied to the value of your home. It lets you borrow money when you need it, based on the equity you’ve built up in your property. The best part? You only […]
Develop Success from Failure!
Categories: Motivation
Should you pay points?
Categories: Debt Management, Financial Terms, Mortgage
When you are shopping for a mortgage you may hear about points. Points are a percentage that is added to a loan amount. For example, 1 point or 1% of a $300,000 loan would equal $3,000. Points are a way for you to pay upfront in order to get a lower rate. Many people ask […]
The Average American Debt in 2024
Categories: Debt Management, Financial Terms
Today we are going to discuss an article that highlights the average American debt in 2024. In 2024, the average American carries $104,215 in debt, which includes mortgages, auto loans, credit cards, student loans, and more. Mortgage debt is the largest piece, averaging $244,498, followed by student loans at $38,787 and auto loans at $23,792. […]