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Debt Management
Articles filed under Debt Management.
9 Habits That Will Get Your Credit Score Above 800
Getting your credit score above 800 earns you elite status. Just 23% of consumers have a credit score of 800 or above, according to Experian. An 800 credit score means you’ll qualify for the best lending terms. That can lead to serious savings over time. But just how hard is it to get an 800...
Apr 18, 2026
This Document Can Help You Fight Back Against Aggressive Debt Collectors
Here’s how to stand up to aggressive debt collectors — and avoid scams — by requesting a debt validation letter.
Apr 18, 2026
What Is APR? How Annual Percentage Rate Works
What is APR? If you’re not sure, you need to read this before you use a credit card or borrow any money.
Apr 18, 2026
Deck the Halls With These 23 Ideas for Cheap Christmas Decorations
The weather’s getting colder. The days are getting shorter. Before you know it, Christmas will be here. While you’re out shopping for gifts, it can be very tempting to add a bunch of holiday decorations to your cart to help get your home looking merry and bright. But the cost of Christmas decorations often gets...
Apr 4, 2026
What Happens When You Don’t Pay Your Medical Bills?
Millions of Americans have medical debt. Here’s how to take action against it and what happens if you don’t pay medical bills.
Apr 18, 2026
How to Get Cheap Diabetes Test Strips, Insulin and Supplies
Diabetes is a serious chronic illness that affects an estimated 37 million Americans. It’s also an expensive condition to manage. From insulin and test strips to blood glucose meters and needles, the out-of-pocket cost for diabetes supplies can add up to hundreds — if not thousands — of dollars each year. To reduce those high...
Apr 4, 2026
6 Ways To Get Relief From Your Payday Loan Nightmare
A payday loan can offer a quick reprieve from unexpected expenses or temporary tough luck. But if you don’t have enough money to pay back the loan next payday, you may need to take out another loan — or roll your balance into a new loan with interest rates that can exceed 300%. More than...
Apr 18, 2026
Ask This Website to Pay Your Credit Card Bill This Month
Credit card interest could be destroying your finances. Credit card debt consolidation loans are a simple way to refinance your debt to cut interest rates.
Apr 4, 2026
Get That Scary Credit Card Debt Under Control with a Balance Transfer
A balance transfer is when you move a credit card balance from one card to another. Here’s when that’s a smart move.
Apr 18, 2026
Dear Penny: My Daughter is Depressed and Not Working. How Can I Help Her?
Dear End, I’m sorry for the situation your family is going through. Mental health is a challenging issue and can be difficult on those with mental health concerns and those who care for them. To support your daughter through mental illness, listen when she shares what she’s experiencing, take her seriously when she talks about...
Apr 18, 2026
I Was $50,000 in Debt. Here’s How I Paid Off $30,000 of It in 18 Months
This Penny Hoarder had a rough 2015. Here’s how to get out of debt when you have $50,000 looming over your head — and how she paid off $30,000 of it in 18 months.
Apr 3, 2026
Dear Penny: I Have $20,000 in Credit Card Debt. Should I Take Out a Personal Loan?
Dear Fielding, Whether a personal loan is a good fit for you depends on a lot of factors. Consider how the credit card debt is currently impacting your finances and what you might do with a personal loan. Also consider how a loan payment would fit into your financial picture. A personal loan can be...
Apr 18, 2026