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.
We may request cookies to be set on your device. We use cookies to let us know when you visit our websites, how you interact with us, to enrich your user experience, and to customize your relationship with our website.
Click on the different category headings to find out more. You can also change some of your preferences. Note that blocking some types of cookies may impact your experience on our websites and the services we are able to offer.
These cookies are strictly necessary to provide you with services available through our website and to use some of its features.
Because these cookies are strictly necessary to deliver the website, refusing them will have impact how our site functions. You always can block or delete cookies by changing your browser settings and force blocking all cookies on this website. But this will always prompt you to accept/refuse cookies when revisiting our site.
We fully respect if you want to refuse cookies but to avoid asking you again and again kindly allow us to store a cookie for that. You are free to opt out any time or opt in for other cookies to get a better experience. If you refuse cookies we will remove all set cookies in our domain.
We provide you with a list of stored cookies on your computer in our domain so you can check what we stored. Due to security reasons we are not able to show or modify cookies from other domains. You can check these in your browser security settings.
We also use different external services like Google Webfonts, Google Maps, and external Video providers. Since these providers may collect personal data like your IP address we allow you to block them here. Please be aware that this might heavily reduce the functionality and appearance of our site. Changes will take effect once you reload the page.
Google Webfont Settings:
Google Map Settings:
Google reCaptcha Settings:
Vimeo and Youtube video embeds:
You can read about our cookies and privacy settings in detail on our Privacy Policy Page.
Privacy Policy
What does the mortgage approval process look like?
Categories: Credit Resources
Do you know what the mortgage approval process looks like? Well, here’s a snapshot: The mortgage approval process is determined by three main factors: Credit score. Income/savings. How much money you put down on a house (or the loan-to-value). The higher each factor is, the easier it is to get a loan. Why? Because there’s […]
Motivational Monday – Financial Freedom
Categories: Credit Tips, Mortgage, Motivation
Credit Matters More Than Ever
Categories: Credit Resources
Credit has mattered for many years, but now it matters more than ever. Find out why with this article from CSR!
Credit Pitfall: High balance on a small credit card
Categories: Credit Tips
One of the biggest credit pitfalls people fall into is when they have a high balance on a small credit card. For example: You have a $500 credit card and charge $400 on it. When creditors see you’re using 80% of your available credit, they mark you as HIGH risk. Now, let’s say you have […]
Do you think credit is out of reach?
Categories: Credit Tips
Do you think credit is out of reach? Guess what? It’s not. Even if you don’t have any credit, you can still get credit. There are people out there who have a total credit score of zero. In fact, almost 11% of Americans either do not have credit or have too little credit to score. […]