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African American woman in holiday clothes holding a credit card and a tablet sitting on the floor by presents

8 Smart Strategies to Pay Off Holiday Credit Card Debt Fast!

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 »

A person holding a phone with a screen that says buy now pay later.

BNPL vs Credit Cards: Which Holiday Payment Option Costs You More In The New Year?

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 »

Grandmother and grandchild sit on a couch knitting together for a budget-friendly debt-free holiday

Low-Cost DIY Gift Ideas: Show You Care Without Debt

This past Thanksgiving weekend saw a record-breaking 203 million shoppers, surpassing the 197 million in 2024, according to the National Retail Federation’s Annual Consumer Survey. Americans are gearing up to do more holiday shopping ahead of the holidays. In a … Read More »

Spending Money You Don’t Have: Credit Card Debt & The Holiday Season

As the holiday season approaches, the allure of festive decorations, gift-giving, and lavish celebrations can be enticing. However, the excitement of the season often comes with a hidden price tag: credit card debt. The pressure to create a perfect holiday … Read More »

Cheap and Affordable Side Dishes for Thanksgiving

Thanksgiving is a time for gathering with loved ones, sharing gratitude, and indulging in a delicious feast. However, preparing a Thanksgiving meal can quickly become costly, especially when you consider the myriad of side dishes that accompany the turkey. The … Read More »

Black Friday shopping can be an excellent time to save money if approached with preparation and discipline.

Black Friday Shopping: How to Spend Wisely

Black Friday, the day after Thanksgiving, has become synonymous with amazing deals and crowded retail stores. For many, it’s an opportunity to snag bargains on holiday gifts or big-ticket items they’ve been eyeing all year. However, amidst the excitement, it’s … Read More »

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Say goodbye to the burden of debt

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.

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