Pay less interest on your credit cards

Credit utilization is the share of your revolving credit you are using. How to calculate it, what it does and does not tell you and how scores read it.

2026-08-27

Balance Transfer Cards: Are They Worth It?

A balance transfer card moves existing debt to a 0% promotional rate for a fee. Here is how one works, what it saves and where it catches people out.

2026-08-09

Custom Debt Payoff Strategy: Choose Your Own Order

A custom debt payoff plan lets you set the order yourself, debt by debt. Here is how it works, when it fits and what your own order costs.

2026-08-08

Debt Snowball-to-Avalanche Hybrid Strategy

The snowball-to-avalanche hybrid clears your smallest debts first, then switches to your highest rate. Here is how it works and when it fits.

2026-07-10

Debt Snowball vs Avalanche: Which Is Best?

The snowball and avalanche methods are two ways to clear multiple debts. Here is how each works, their pros and cons and how to choose.

2026-07-08

Debt Consolidation Loans: What They Are and When They Make Sense

A debt consolidation loan rolls several debts into one payment, often at a lower rate. Here is how they work and when they are worth it.

2026-07-07

Simple vs Compound Interest: What's the difference and why it matters

Compound interest earns interest on your interest, while simple interest does not. Here is why it matters for debt and savings.

2026-07-02

Americans Owe More Than Ever. Should We Be Worried?

US household debt has reached a record $18.8 trillion, but not all borrowing carries the same risks. Here's how mortgages, credit cards, auto loans, student loans and personal loans compare, and what rising delinquencies reveal about household finances.

2026-06-10

Why You Should Always Shop Around for a Personal Loan

Comparing personal loan offers is one of the simplest ways to reduce the cost of borrowing. This article covers how lenders differ, how to check rates safely and how to choose a loan with confidence

Pay less interest on your credit cards

What's your card costing you?

Three ways to pay less interest

Pay a little more each month

Pay them in the right order

Move to a lower rate

Pick the question you want answered

Keep your numbers in one place

Compare personal loans before you borrow

Practical guides to paying less

Why are APRs on secured credit cards so high?

Credit Utilization: What It Is and Why It Matters