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If financial stress has been weighing you down, you aren’t alone. Around 43% of Americans cite money as a factor negatively impacting their mental health, according to a recent Bankrate survey. January is the perfect time to reset your financial mindset and create routines that … Read More »
There has been a lot of buzz in the news recently about President Trump’s proposed 10% cap on credit card interest rates and what it could mean for people struggling with high balances. While this is still a proposal, the … Read More »
When people hear the phrase debt management program, there’s often confusion, hesitation, or even fear attached to it. As a credit counselor, I see this every day. Many individuals know they’re overwhelmed by debt, but they don’t fully understand what … Read More »
Prioritizing debt in January starts with reviewing all balances, understanding monthly expenses, and redirecting available cash toward debt repayment so holiday balances do not continue to grow. With 37% of Americans accumulating an average of $1,223 in holiday debt, according to LendingTree, many … Read More »
Did the holiday season leave your finances in the red? A temporary setback doesn’t have to become a permanent burden. This is where a financial reset can help. A 2026 financial reset is a strategic plan designed to help you … Read More »
Credit counseling helps you start the year with a plan by transforming vague financial resolutions into a concrete, actionable roadmap. By partnering with a certified credit counselor, you gain a structured budget, a clear understanding of your debt-to-income ratio, and … Read More »
To recover from holiday spending without stress, you must first assess the damage by tallying all holiday receipts and statements. Once you have the total, create a recovery budget that excludes discretionary spending and prioritizes debt repayment using strategies such … Read More »
To pay off holiday credit card debt fast, you should prioritize high-interest debt using the “Avalanche Method.” In addition, increase your payment frequency to weekly/bi-weekly instead of monthly and immediately apply financial windfalls like tax refunds to your principal. Combining … Read More »
The short answer, while credit cards technically cost more in interest (if balances are carried), Buy Now, Pay Later (BNPL) often costs you more in monthly cash flow and budget flexibility. In most cases, Buy Now, Pay Later (BNPL) plans … Read More »
Struggling to manage your debt and improve your financial health is a thing of the past with the CreditU mobile app, an essential tool for anyone looking to manage their personal finances with ease.
