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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Do You Know How to Calculate Your HELOC Payment?
Categories: Debt Management, Financial Terms, HELOC
Do You Know How to Calculate Your HELOC Payment? Thinking about adding a Home Equity Line of Credit (HELOC) to your financial toolkit but unsure about the payments? You’re not alone. Many people want to know what to expect before they sign on the dotted line. In this guide, we’ll break down a simple way […]
Pay Less For Debt: Credit Card vs. HELOC Calculator
Categories: Debt Management, Financial Terms, HELOC
Pay Less For Debt: Credit Card vs. HELOC Calculator Are you a homeowner looking for ways to put more money into your life? Whether it’s for relief, fun, or just to survive, moving money from a credit card to a HELOC (Home Equity Line of Credit) can save you a lot. Let’s take a closer […]
Cash Out Refinance: Good or Bad Idea in Today’s Market?
Categories: Debt Management, Financial Terms, Mortgage, Refinance
Cash Out Refinance: Good or Bad Idea in Today’s Market? Are you thinking about a cash out refinance and wondering whether or not it’s a good idea in today’s market? While many people see ads promising extra cash and lower monthly payments, it’s important to consider whether or not it’s the best choice for you. […]
What Is Debt?
Categories: Financial Terms
Debt is when you borrow money from someone and promise to pay it back later. To put it another way, people and businesses use debt to buy things they can’t afford right now. How Does It Work? First, Borrowing Money: You ask for money from a lender. This could be a bank, a friend, or […]
What is an Adjustable Rate?
Categories: Debt Management
Understanding Adjustable Rate Mortgages (ARMs) An adjustable-rate mortgage (ARM) is a type of home loan with a variable interest rate. Unlike fixed-rate mortgages, where the interest rate stays the same for the life of the loan, an ARM’s rate can change. This can be good or bad, depending on the market. How ARMs Work Initial […]