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 3D System: How to Take Control of Your Debt
Categories: credit cards, Debt Management, Financial Terms
Today we are going to discuss the 3D system: How to take control of your debt. Pay the Least. Live the Most. Most people say, “Avoid debt at all costs.” Instead, we say: Use debt wisely and pay the least you can for it. After all, debt helps people: Buy homes Buy cars Go to […]
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 […]