Generated by All in One SEO Pro v4.9.9, this is an llms.txt file, used by LLMs to index the site.

# DebtWave

Non-Profit Consolidated Credit Solutions & Debt Counseling

## Sitemaps

- [XML Sitemap](https://debtwave.org/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Blog](https://debtwave.org/blog/) - Get tips on managing credit card debt, lowering your interest rates, increasing your net worth, budgeting for stronger financial health and ways to improve.
- [Personal Loan: How to Get Out of Credit Card Debt Without It](https://debtwave.org/how-to-get-out-of-credit-card-debt-without-a-personal-loan-2/) - Think twice about getting a Personal Loan! Credit card debt can feel overwhelming, especially when high interest rates make it difficult to make progress.
- [Credit Card Debt Increased During Federal Government Shutdown](https://debtwave.org/federal-government-shutdown-credit-card-debt/) - The Federal Government Shutdown had thousands stressed about finances and racking up credit card debt. Financial Hardship Options for federal employees.
- [Everything You Need to Know about the Sofi Hardship Program](https://debtwave.org/sofi-hardship-program-debt-consolidation/) - Hardship programs can help those struggling with credit card debt. Contact Sofi or seek Credit Counseling to see if you qualify for payment relief.
- [Everything You Need to Know About Best Buy Credit Card Hardship Program](https://debtwave.org/best-buy-hardship-program/) - The Best Buy Hardship Program can help consumers struggling with high interest credit card debt. Contact Best Buy or seek relief from Credit Counseling.
- [Discover Hardship Program for Credit Card Debt](https://debtwave.org/discover-hardship-program/) - Discover Hardship Program Can Help Lower Payments and Interest Rates on Credit Card Debt. Contact Discover or seek Credit Counseling for debt relief.
- [Credit Card Statement: How To Read It And Why](https://debtwave.org/how-to-read-credit-card-statement/) - Reviewing your credit card statement can cause anxiety for those in debt. But your credit card statement includes so much more information than the balance.
- [8 Steps to Take When Drowning in Credit Card Debt](https://debtwave.org/drowning-in-credit-card-debt/) - Too many Americans are drowning in credit card debt. And none of them ever imagined being in this situation. Perhaps it started with a 0% introductory rate.
- [Everything You Need to Know About Nordstrom Credit Card Hardship Program](https://debtwave.org/nordstrom-hardship-program/) - The Nordstrom Hardship Program can help those struggling with high interest credit card debt. Contact Nordstrom or seek relief from Credit Counseling.
- [Everything You Need to Know About Kohls Credit Card Hardship Program](https://debtwave.org/kohls-credit-card-hardship-program/) - The Kohls Credit Card Hardship Program can help those struggling with high interest credit card debt. Contact Kohls or seek relief from Credit Counseling.
- [How to Qualify For the Target Credit Card Hardship Program](https://debtwave.org/target-credit-card-hardship-program/) - Hardship programs can help those struggling with credit card debt. Contact Target or seek payment relief from Credit Counseling. Lower your APR today!
- [Barclays Credit Card Debt Hardship Program](https://debtwave.org/barclays-hardship-program/) - If you find yourself struggling with Barclays Credit Card Debt, hardship programs help. Contact Barclays directly. Debt Management Plans can also help.
- [How Does Interest Work with Credit Cards?](https://debtwave.org/how-does-interest-work-with-credit-cards/) - Understanding How Does Interest Work with Credit Cards is crucial. It would sure be nice if we were taught this in school, but most of us find out the hard way.
- [Navy Federal Credit Union Credit Card Debt Hardship Program](https://debtwave.org/navy-federal-credit-union-credit-card-debt-hardship-programs/) - If you find yourself struggling with Navy Federal Credit Card Debt, hardship programs help. Contact NFCU directly. Debt Management Plans can help also
- [8 Benefits of Budgeting](https://debtwave.org/8-benefits-of-budgeting/) - Financial Control and Living a Debt Free Life are some of the benefits of budgeting. Create a budget to reach your ultimate destination of financial freedom.
- [Debt Settlement vs Credit Counseling: The Ultimate Comparison](https://debtwave.org/debt-settlement-vs-credit-counseling/) - Debt Relief Programs can be complicated. Discover a clear explanation on Credit Counseling vs Debt Settlement. Understand the risks & rewards of each service.
- [12 Must Cut Expenses When Facing a Financial Hardship](https://debtwave.org/expenses-to-cut-during-hardship/) - 12 Expenses to Eliminate When Paying Back Credit Card Debt. How to Free Up Cash Flow to Become Debt Free Quickly during a Financial Hardship 💳
- [How to Negotiate Lower Interest Rates on Your Credit Cards](https://debtwave.org/how-to-negotiate-lower-interest-rates-on-your-credit-cards/) - A low Interest Rate on your Credit Cards will save you money and help you pay off your credit card debt quicker. Learn how to negotiate a lower APR.
- [Debt Settlement vs Debt Management - Which is Right for You?](https://debtwave.org/debt-settlement-vs-debt-management-which-is-right-for-you/) - Which program is the best option for you? Debt Forgiveness or a Debt Management Program? Understand the pros and cons of each before enrolling.
- [Healing Financial Shame On Your Debt Free Journey](https://debtwave.org/healing-financial-shame-on-your-debt-free-journey/) - One of the biggest emotions impacting those with debt? Shame. Working on your mental health is as crucial to your financial journey as building wealth is.
- [Everything You Need to Know about the Home Depot Hardship Program](https://debtwave.org/everything-you-need-to-know-about-the-home-depot-hardship-program/) - Hardship programs can help those struggling with credit card debt. Contact Home Depot or seek Credit Counseling to see if you qualify for payment relief.
- [Bank of America Hardship Programs for Credit Card Debt](https://debtwave.org/bank-of-america-hardship-programs/) - Bank of America hardship programs can with high interest credit card debt if you qualify. Credit Counseling can lower payments and interest rates as well.
- [Capital One Credit Card Debt Hardship Programs](https://debtwave.org/capital-one-credit-card-debt-hardship-programs/) - If you find yourself struggling in debt, hardship programs help. Contact Capital One directly and let them know your situation. Debt Management Plans can help
- [Citibank Credit Card Debt Hardship Programs](https://debtwave.org/citibank-debt-relief/) - If you find yourself struggling in debt, hardship programs help. Contact Citibank directly and let them know your situation. Debt Management Plans help as well
- [Chase Credit Card Debt Hardship Programs](https://debtwave.org/chase-debt-relief/) - If you find yourself struggling in debt, hardship programs help. Contact Chase directly and let them know your situation. Debt Management Programs help as well
- [Self-Employed: How to Pay Off Business Credit Card Debt](https://debtwave.org/payoff-self-employed-debt/) - Self-employment usually attracts people for its benefits, but self-employment can also be very costly, especially when it comes to credit card debt.
- [How to Qualify For Macy's Credit Card Hardship Program](https://debtwave.org/how-to-qualify-for-macys-hardship-program/) - Hardship programs can help those struggling with credit card debt. Contact Macy's or seek credit card payment relief from Credit Counseling.
- [Everything you need to know about closing your Capital One credit card](https://debtwave.org/closing-a-capital-one-credit-card/) - How can closing a Capital One credit card can jumpstart your way to financial freedom. There are good reasons and bad reasons to close your account.
- [How to Qualify For The Avant Hardship Program](https://debtwave.org/avant-hardship-program/) - Hardship programs can help those struggling with credit card debt. Contact Avant or seek Credit Counseling to see if you qualify for payment relief.
- [Merrick Bank Credit Card Debt Hardship Program](https://debtwave.org/merrick-bank-credit-card-debt-hardship-program/) - If you find yourself struggling with Merrick Bank Credit Card Debt, hardship programs help. Contact Merrick Bank directly. Debt Management Plans can also help.
- [How to Qualify For The OneMain Hardship Program](https://debtwave.org/how-to-qualify-for-the-onemain-hardship-program/) - Hardship programs can help those struggling with credit card debt. Contact OneMain Financial or seek Credit Counseling to see if you qualify for payment relief.
- [How to Qualify For The Best Egg Hardship Program](https://debtwave.org/best-egg-hardship-program/) - Hardship programs can help those struggling with credit card debt. Contact Best Egg or seek Credit Counseling to see if you qualify for payment relief.
- [How to Take Advantage of American Express Hardship Programs](https://debtwave.org/american-express-debt-relief/) - Hardship programs can help those struggling with credit card debt. Contact American Express or seek Credit Counseling to see if you qualify for payment relief.
- [Care Credit Card Debt Hardship Programs](https://debtwave.org/carecredit-credit-card-debt-hardship-programs/) - Hardship programs can help those struggling with credit card debt. Contact CareCredit or seek Credit Counseling to see if you qualify for payment relief.
- [Paying Off Student Loan Debt With These 6 Options](https://debtwave.org/six-options-for-repaying-your-federal-student-loan-debt/) - Is your student loan payment becoming a burden to your monthly budget? If so, then you are not alone. The nation's total student loan debt continues to spiral.
- [How to Pay My Capital One Credit Card Debt Down](https://debtwave.org/paid-off-credit-card-debt/) - Paying off Capital One credit card debt can be challenging especially when the interest rate climbs above 24%. Find out ways to overcome the high interest.
- [US Bank Credit Card Debt Hardship Program](https://debtwave.org/us-bank-credit-card-debt-hardship-program/) - If you find yourself struggling with US Bank Credit Card Debt, hardship programs help. Contact US Bank directly. Debt Management Plans can also help.
- [USAA Bank Union Credit Card Debt Hardship Program](https://debtwave.org/usaa-bank-credit-card-debt-hardship-program/) - If you find yourself struggling with USAA Bank Credit Card Debt, hardship programs help. Contact USAA directly. Debt Management Plans can also help.
- [Divorce & Credit Card Debt: Who Gets Left with the Bill?](https://debtwave.org/divorce-credit-card-debt-who-gets-left-with-the-bill/) - Hollywood often portrays divorce as a battle over who gets the couple’s money, their assets. But the reality is many couples are battling over credit card debt.
- [Wells Fargo Credit Card Debt Hardship Programs](https://debtwave.org/wells-fargo-credit-card-debt-hardship-programs/) - If you find yourself struggling with Wells Fargo Credit Card Debt, hardship programs help. Contact Wells Fargo directly. Debt Management Plans can help also
- [Credit One Bank Credit Card Debt Hardship Programs](https://debtwave.org/credit-one-bank-credit-card-debt-hardship-programs/) - Hardship programs can help those struggling with credit card debt. Contact Credit One Bank or seek Credit Counseling to see if you qualify for payment relief.
- [Comenity Bank Credit Card Debt Hardship Programs](https://debtwave.org/comenity-bank-credit-card-debt-hardship-programs/) - Hardship programs can help those struggling with credit card debt. Contact Comenity Bank or seek Credit Counseling to see if you qualify for payment relief.
- [20 Most Expensive States to Live in 2025](https://debtwave.org/20-most-expensive-states-to-live-in-2024/) - The cost of living has increased considerably in the United States. Based on the cost of living index, which 20 states are the most expensive to live in 2025?
- [Tithing On a Budget](https://debtwave.org/tithing-on-a-budget/) - Tithing can be difficult when you are living paycheck-to-paycheck and juggling credit card debt. Discover our 7 effective ways to tithe on a tight budget.
- [Synchrony Bank Credit Card Debt Hardship Programs](https://debtwave.org/synchrony-credit-card-debt-hardship-programs/) - Hardship programs can help those struggling with credit card debt. Contact Synchrony Bank or seek Credit Counseling to see if you qualify for payment relief.
- [Debt Management Program Benefits on the Rise in 2025!](https://debtwave.org/debt-management-program-benefits/) - With the total credit card debt amount rapidly approaching $1.2 trillion, DMP benefits continue to get better for DebtWave clients.
- [What Happens When You File For Bankruptcy?](https://debtwave.org/consequences-declaring-bankruptcy-credit-card-debt/) - Declaring bankruptcy is one of the most intense and personal financial decisions anyone can make. Understand all the consequences that come from bankruptcy
- [The Financial Cost of Addiction](https://debtwave.org/the-financial-cost-of-addiction/) - How do you know if a loved one is in danger of financial ruin due to an addiction? Addiction is so prevalent now that the life expectancy decreased by a year
- [What is the Success Rate of a Debt Management Plan?](https://debtwave.org/success-rate/) - A five year study done by DebtWave shows that Debt Management Plans lead to success. But what exactly is the success rate? How many clients complete their plan?
- [What does Credit Counseling do?](https://debtwave.org/what-does-credit-counseling-do/) - Credit Counseling is the process of reviewing a consumer’s personal finances and providing guidance on how to make improvements. A credit counselor will review
- [Are You A Financial Enabler? 6 Ways to Stop Enabling](https://debtwave.org/quit-enabling-bad-financial-behaviors/) - There are four warning signs you are financially enabling someone: 1. You give money so often your loved ones no longer support themself
- [Is There a Government Credit Card Debt Relief Program?](https://debtwave.org/government-credit-card-debt-relief-program/) - Looking for Government Assistance? Credit Counseling, Debt Settlement, Debt Consolidation Loans and Balance Transfers are common Credit Card Debt Relief Options
- [Net or Gross Income: Which is Best for Budgeting?](https://debtwave.org/net-or-gross-income-budgeting/) - When you're creating a budget, it's best to determine your income based on your net income, what you take home, instead of your gross income, pre-tax salary.
- [How Much of My Credit Limit Can I Spend?](https://debtwave.org/credit-card-utilization/) - How much of my credit limit can I spend? A consumer can use 30 percent of your credit limit before your credit score is affected by your credit utilization.
- [Making a Credit Card Minimum Payment Won't Cut It](https://debtwave.org/3-reasons-why-making-minimum-payments-on-your-credit-cards-isnt-enough/) - Interest Charges Add up Quickly. Paying only the minimum can keep you in debt for decades. What are the other consequences?
- [3 Ways You Can Be Tricked into Credit Card Overspending](https://debtwave.org/3-secret-ways-credit-cards-get-you-to-overspend/) - Credit card companies are professionals at getting you to open your wallet. Here’s how to fight back. Credit cards aren’t necessarily a bad thing, but...
- [Valentine's Day Spending in 2023 Expected to Reach Nearly $26 Billion](https://debtwave.org/valentines-day-2023/) - Despite record-high inflation, rising interest rates, and fears of a recession, Americans are overwhelmingly excited to celebrate Valentine's Day in 2023.
- [Pay Off Your Credit Card Debt Faster By Making Biweekly Payments](https://debtwave.org/payoff-your-credit-card-debt-faster-by-making-bi-weekly-payments/) - Paying off credit card debt often feels like a never-ending cycle of taking two steps forward and one step back. You might be chipping away at your debt with...
- [Kickoff Financial Literacy Month with Personal Finance 101](https://debtwave.org/kickstart-national-financial-literacy-month-with-personal-finance-101/) - Do you know how to balance a checkbook? How about creating a monthly budget? Do you make regular contributions to your retirement plan?
- [20 Budget-Friendly Spring Break Staycation Ideas](https://debtwave.org/20-budget-friendly-spring-break-staycation-ideas-2023/) - 20 budget-friendly Spring Break inspired staycation ideas to make you feel relaxed and refreshed as if you were just on vacation without the hefty cost
- [The 10 Most Expensive States to Live - 2021 Edition](https://debtwave.org/10-most-expensive-states-to-live-2021/) - What are the most expensive states to live in? Which states have the highest rent and general costs of living?
- [Survey: 1 in 2 Americans Blame Inflation for Insufficient Retirement, Emergency Savings](https://debtwave.org/survey-1-in-2-americans-blame-inflation-for-insufficient-retirement-emergency-savings/) - 2 in 5 people with financial regret haven’t made any progress on their regret over the last 12 months, with nearly half blaming inflation/high prices.
- [Fed Cuts Interest Rates for First Time Since 2020](https://debtwave.org/fed-cuts-interest-rates-for-first-time-since-2020/) - The Federal Reserve delivered its first interest rate cut since 2020 during its September 2024 meeting and signaled further cuts are in our near future.
- [America’s Credit Card Debt Epidemic](https://debtwave.org/americas-credit-card-debt-epidemic/) - Americans are not only struggling with outstanding credit card debt, but the cost of this debt has also increased due to record-high interest rates.
- [11 Ways to Save on Back-to-School Supplies](https://debtwave.org/11-ways-to-save-on-back-to-school-supplies/) - How can you ensure your kids are prepared for the school year ahead without busting your budget or taking on credit card debt?
- [The Fed’s July 2024 Decision](https://debtwave.org/the-feds-july-2024-decision/) - The Federal Reserve voted to hold interest rates steady at 5.25 to 5.50 percent during its July 2024 meeting, but hinted a cut is likely before 2025.
- [How Much Money Does it Take to Ruin a Friendship? Survey Says $500](https://debtwave.org/how-much-money-does-it-take-to-ruin-a-friendship-survey-says-500/) - Bank of America survey found that 77 percent of respondents would end a friendship over $500 — and 40 percent would end one if the dispute was just $100.
- [Survey: 1 in 3 Americans Rely on Side Hustles to Make Ends Meet](https://debtwave.org/survey-1-in-3-americans-rely-on-side-hustles-to-make-ends-meet/) - More than one-third of US adults have a side hustle to pay for regular living expenses, like rent and groceries, according to a new Bankrate survey
- [Federal Reserve Keeps Interest At 23-Year High For Foreseeable Future](https://debtwave.org/federal-reserve-keeps-interest-at-23-year-high-for-foreseeable-future/) - The Federal Reserve held interest rates steady at a 23-year high during its June 2024 meeting, and revised its outlook for rate cuts from three to one .
- [Study: Single-Family Home Maintenance Costs Soar Over $18,000 Annually](https://debtwave.org/study-single-family-home-maintenance-costs-soar-over-18000-annually/) - The average annual cost of owning and maintaining a single-family home in the U.S. is more than $18,000 a year — 26 percent higher compared to four years ago
- [Fed Holds Interest Rate Steady Despite Signs of Stubborn Inflation](https://debtwave.org/fed-holds-interest-rate-steady-despite-signs-of-stubborn-inflation/) - The Federal Reserve Open Market Committee voted to leave interest rates unchanged during its March 2024 meeting at a 23-year high of 5.25 to 5.50 percent.
- [What’s the Value of Financial Education? According to One Recent Study,$100k](https://debtwave.org/the-value-of-financial-education-100k/) - Taking one semester of a personal finance class in high school could help the average student save $100,000 over the course of their lifetime
- [1 in 3 Americans Have More Debt Than  Emergency Savings](https://debtwave.org/1-in-3-americans-have-more-debt-than-emergency-savings/) - more than one-third (36 percent) of U.S. adults owe more in credit card debt than they currently have in their emergency savings
- [Americans Owe Over $1 Trillion in Credit Card Debt](https://debtwave.org/americans-owe-over-1-trillion-in-credit-card-debt/) - Americans now owe $1.13 trillion collectively on their credit cards, according to a new report on household debt from the Federal Reserve Bank of New York.
- [Capital One to Acquire Discover: What This Means for Consumers, Credit Card Debt](https://debtwave.org/capital-one-to-acquire-discover/) - Capital One Financial Corp. agreed to buy credit-card lender Discover Financial Services in a $35-billion all-stock deal, the companies said on Feb. 19, 2024.
- [Fed Hints Interest Rate Cuts More Likely Than Rate Hikes in 2024](https://debtwave.org/fed-interest-rate-cuts-more-likely-than-rate-hikes-in-2024/) - During the Federal Reserve’s inaugural meeting of 2024 on Jan. 30-31, the Federal Open Market Committee announced interest rates would remain as is for now.
- [Valentine’s Day (Spending) is for Lovers in 2024](https://debtwave.org/valentines-day-spending-is-for-lovers-in-2024/) - After celebrating all kinds of relationships in 2023, consumers are reigning in their Valentine’s Day spending by prioritizing gifts for their romantic partner.
- [Nearly Half American Parents Footing the Bill for Adult Children, Even at the Detriment to Their Own Financial Health](https://debtwave.org/nearly-half-american-parents-footing-the-bill-for-adult-children/) - Nearly half of American parents cover monthly expenses for at least one of their adult children, even at the detriment of their retirement.
- [Loud Budgeting: How This Budget Technique Works](https://debtwave.org/loud-budgeting/) - ‘Loud budgeting’ is the first viral financial trend of 2024. It's a budget technique in which individuals are loud about what they will and won't spend money on
- [Report: Consumers Over-Relying on Credit Cards to Make Ends Meet](https://debtwave.org/report-consumers-over-relying-on-credit-cards-to-make-ends-meet/) - Consumers are overly dependent on credit cards, with many consumers relying on credit cards to make ends meet, according to a new report from PYMNTS.com.
- [Nearly 2 in 3 Americans Pessimistic About Their Financial Situation in 2024](https://debtwave.org/2-in-3-americans-pessimistic-2024-finances/) - Nearly two thirds of Americans (63 percent) do not expect their personal financial situation to improve in 2024, according to a new Bankrate survey.
- [Fed Ends 2023 with Record-High Interest Rates](https://debtwave.org/fed-ends-2023-with-record-high-interest-rates/) - During the Federal Reserve’s final meeting of 2023, the Federal Open Market Committee announced interest rates would remain at a 22-year record-high
- [Survey: 3 in 4 Homeowners Have Regrets](https://debtwave.org/survey-3-in-4-homeowners-have-regrets/) - Homebuying reached record levels during the pandemic, but a survey found that more than 3 in 4 homeowners have had regrets about their recent home purchase.
- [4 Signs Financial Infidelity Is Occurring in Your Relationship](https://debtwave.org/4-signs-financial-infidelity-in-your-relationship/) - Financial infidelity can ruin a relationship and your finances, but what do you do if you suspect it’s happening to you? What are financial cheating red flags?
- [54 Million Credit Cardholders Have Carried Debt for a Year or More](https://debtwave.org/54-million-credit-cardholders-have-carried-debt-for-a-year-or-more/) - In 2023, 60 percent, or 54 million, of those with credit card debt have been carrying that credit card debt for a year or longer.
- [How to Throw an Affordable Kids Birthday Party](https://debtwave.org/how-to-throw-an-affordable-kids-birthday-party/) - Some parents are spending more on a kid’s birthday party than others spend on a wedding. 9 Tips to Throw an Affordable Kids' Birthday Party
- [Americans' Financial Stress Negatively Impacts Mental Health, Survey Says](https://debtwave.org/financial-stress-negative-impact-mental-health/) - More than half of Americans (52 percent) reported that money, or worrying about money more specifically, has had a negative impact on their mental health.
- [3 in 4 Pet Owners Report Pet Care Costs Rising Due to Inflation](https://debtwave.org/3-in-4-pet-owners-report-pet-care-costs-rising-due-to-inflation/) - More than 75 percent of pet owners say the cost of pet care is rising — and more than a quarter of them, 26 percent, are struggling to afford it.
- [10 Money Lessons from '2 Broke Girls'](https://debtwave.org/10-money-lessons-2-broke-girls/) - 2 Broke Girls was filled with money lessons that apply to anyone looking to improve their financial situation or relationship with money.
- [Fed Raises Interest Rates to 22-Year High](https://debtwave.org/fed-raises-interest-rates-to-22-year-high/) - The Federal Reserve announced at its July 2023 meeting that interest rates would increase by an additional 25 percentage points to 5.25 and 5.50 percent.
- [20 Budget-Friendly DIY Holiday Gifts](https://debtwave.org/20-budget-friendly-diy-holiday-gifts/) - Spread Holiday cheer without incurring debt by creating budget-friendly DIY gifts for everyone on your Holiday gift list that are meaningful and affordable.
- [Survey: 3 in 4 Americans Have Financial Regrets](https://debtwave.org/survey-3-in-4-americans-have-financial-regrets/) - Nearly 3 in 4 Americans have a financial regret, according to a July 2023 Bankrate survey. The most common financial regret? Not saving for retirement sooner.
- [15 Tips to Avoid Debt on Black Friday, Cyber Monday](https://debtwave.org/15-tips-to-avoid-debt-on-black-friday-cyber-monday/) - The golden rule for Black Friday: if you were going to buy it anyway and it's on sale, you saved money. If you weren't planning to buy it, it's not a saving!
- [8 Tips to Host Friendsgiving on a Budget](https://debtwave.org/8-tips-to-host-friendsgiving-on-a-budget/) - We’re sharing 8 tips to host Friendsgiving on a budget, allowing you to enjoy the holiday season without adding financial stress to your already-stuffed plate
- [18 Video Games that Help Improve Your Financial Literacy](https://debtwave.org/18-video-games-that-help-improve-your-financial-literacy/) - Since 71% of children under 18 in the U.S. play video games, some parents wonder if video games can help them teach their children financial literacy skills.
- [30 Budget-Friendly Meals](https://debtwave.org/30-budget-friendly-meals/) - Coming up with budget-friendly meals can be time-consuming, exhausting, and overwhelming. To help you get started, we’re sharing 30 budget-friendly meal ideas
- [10 Times ‘The Simpson’s’ Taught Us About Personal Finance](https://debtwave.org/10-money-lessons-the-simpsons/) - “The Simpson’s are rife with economics 101 lessons,” says Joshua Hall, an economist and author of Homer Economicus: The Simpson’s and Economics.
- [The High Cost of Having a Baby in the US](https://debtwave.org/the-high-cost-of-having-a-baby-in-the-us/) - Giving birth in the U.S. costs $18,865 on average, according to the Peterson-Kaiser Family Foundation (KFF) Health System Tracker.
- [Trick-Or-Treating is Dead. How to Throw an Affordable Halloween Party on a Budget](https://debtwave.org/8-tips-affordable-halloween-party-on-a-budget/) - Although throwing a Halloween bash sounds expensive, it doesn’t have to cost an arm and a leg to have a spooktacular time.
- [Does AI Make Financial Scams Harder to Detect?](https://debtwave.org/does-ai-make-financial-scams-harder-to-detect/) - AI can be used for good, but criminals are finding malicious ways to use the new technology to perpetrate sophisticated financial scams against consumers.
- [Cutting Gym Expenses Without Sacrificing Health Goals](https://debtwave.org/cutting-gym-expenses-without-sacrificing-health-goals/) - While cutting a gym membership on a debt payoff journey in order to save money may seem harsh to some, for many consumers, it may make financial sense.
- [Student Loan Repayments Resume This Summer: Is Your Budget Ready?](https://debtwave.org/student-loan-repayments-resume-this-summer-is-your-budget-ready/) - How to Prepare Your Budget for Student Loan Repayments Expected to resume in Summer 2023.
- [Report: Americans Overwhelmingly Relying on High-Interest Debt](https://debtwave.org/report-americans-overwhelmingly-relying-on-high-interest-debt/) - American consumers are rapidly accruing high-interest debt signaling financial struggles, according to a June 2023 report from the Financial Health Network.
- [Report: Child Care Unaffordable for Majority of US Families](https://debtwave.org/report-child-care-unaffordable-for-majority-of-us-families/) - Child care is unaffordable for the majority of U.S. families, according to the recent Care.com 2023 Cost of Care Report, published June 13.
- [Fed Keeps Interest Rates Steady, Hints Future Increases Likely](https://debtwave.org/fed-keeps-interest-rates-steady-hints-future-increases-likely/) - After ten straight increases, the Federal Reserve announced during its June 13-14 meeting that interest rates would not increase, at least temporarily.
- [How Inflation Impacts 2023 Wedding Budgets, Wedding Guests](https://debtwave.org/how-inflation-impacts-2023-wedding-budgets-wedding-guests/) - Like gas and groceries, weddings are not immune from the impacts of inflation and higher interest rates for either the happy couple or the wedding guests.
- [15 Lessons from Ramit Sethi’s Netflix Show ‘How to Get Rich’](https://debtwave.org/15-lessons-from-ramit-sethis-netflix-show-how-to-get-rich/) - How applicable is Ramit Sethi's financial advice in the Netflix docuseries 'I Will Teach You To Be Rich' for the show’s participants and viewers at home?
- [401k Financial Hardship Withdrawals on the Rise](https://debtwave.org/401k-financial-hardship-withdrawals-on-the-rise/) - Have you considered taking money out of your 401k savings in the last year to cover credit card debt, financial emergencies, or daily expenses?
- [Is Student Loan Consolidation Right for Me?](https://debtwave.org/is-student-loan-consolidation-right-for-me/) - If you are struggling to afford your monthly student loan payments one option to consider is federal or private student loan consolidation.
- [14 Money Lessons from Disney Movies](https://debtwave.org/14-money-lessons-from-disney-movies/) - Disney has a reputation for getting us to spend money, but after rewatching classic Disney movies I found several valuable personal finance lessons.
- [How the Federal Debt Limit Affects Your Money, Credit Card Debt](https://debtwave.org/how-the-federal-debt-limit-affects-your-money-credit-card-debt/) - How Can You Financially Prepare for a U.S. Default? "We're advising people to prepare for a potential default as you would for an impending recession."
- [New York Fed: Consumer Debt Now More than $17 Trillion](https://debtwave.org/new-york-fed-consumer-debt-now-more-than-17-trillion/) - A May 2023 report from the Federal Reserve Bank of New York found that total U.S. household debt topped $17 trillion in the first quarter of 2023.
- [9 Tips to Save Money on Summer 2023 Travel](https://debtwave.org/9-tips-to-save-money-on-summer-2023-travel/) - A recent study found one in five consumers has gone into debt for travel, with 81 percent incurring more than $500 of debt. 9 Tips to Save Summer 2023 Travel
- [Fed Raises Interest Rates to 16-Year Record-High](https://debtwave.org/fed-raises-interest-rates-to-16-year-record-high/) - On May 3, 2023, The Federal Reserve raised interest rates for the tenth straight time since March 2022, increasing interest rates by 25 percentage points. Now the federal interest rate ranges between 5 and 5.25 percent, which is the highest interest rate since August 2007. Interest rates have steadily increased as the Federal Reserve attempts
- [Where Have the Affordable Concert Tickets Gone?](https://debtwave.org/where-have-the-affordable-concert-tickets-gone/) - Have you tried to buy concert tickets lately? If so you may have wondered: When did concert tickets start to cost as much if not more than a vacation?!
- [Minimalism is Out, Cluttercore is In](https://debtwave.org/minimalism-is-out-cluttercore-is-in/) - We’re sharing eight budget-friendly tips for design aficionados to create a personalized cluttercore interior home design at an affordable price.
- [8 Personal Finance Lessons from Baseball](https://debtwave.org/8-personal-finance-lessons-from-baseball/) - Can you learn about personal finance from baseball? 8 Baseball-inspired money tips designed to help you win the debt-free championship and not strike out.
- [Majority of Americans Worried About Lack of Emergency Savings](https://debtwave.org/majority-americans-worried-about-lack-of-emergency-savings/) - More than one-third, 36 percent, of people reported they have more credit card debt than they have in their emergency savings accounts.
- [Consumers Turn to Side Hustles to End Paycheck-to-Paycheck Living Cycle](https://debtwave.org/consumers-turn-to-side-hustles-to-end-paycheck-to-paycheck-living-cycle/) - U.S. consumers are turning to side hustles to supplement their income from their regular full-time employment in order to improve their financial situation.
- [March 2023: Fed Raises Interest Rates, Hints at Slowing Future Rate Increases](https://debtwave.org/march-2023-fed-raises-interest-rates/) - The Federal Reserve raised interest rates by a quarter of a percentage point during its March 22, 2023, meeting in an effort to lessen inflation.
- [Unemployed with Credit Card Debt: What to Do?](https://debtwave.org/unemployed-with-credit-card-debt-what-to-do/) - If you’re unemployed or worried about your future employment, you may be wondering how your loss of income will affect your ability to pay off credit card debt.
- [50 Budget-Friendly Springtime Family Fun Ideas](https://debtwave.org/50-budget-friendly-springtime-family-fun-ideas/) - 50 Springtime budget-friendly, family-fun ideas that will allow you to experience the best of Spring without adding more financial stress to your budget.
- [US Kicks Off 2023 with Record-High Credit Card Debt](https://debtwave.org/us-kicks-off-2023-with-record-high-credit-card-debt/) - If you found yourself struggling to pay off your credit cards in full at the end of 2022 and into the first few months of 2023, you’re not alone.
- [12 Must-Read Personal Finance Books Written by Black Authors](https://debtwave.org/12-must-read-personal-finance-books-written-by-black-authors/) - In honor of Black History Month, we wanted to highlight 12 of our favorite personal finance books written by Black authors.
- [Fed Raises Interest Points 0.25% to Kick Off 2023](https://debtwave.org/fed-raises-interest-rate-feb-2023/) - On Feb. 1, 2023, The Federal Reserve raised interest rates 0.25 percent. Interest rates now range between 4.50 percent and 4.75 percent, the highest since 2007.
- [7 Tips to Fight Revenge Spending](https://debtwave.org/7-tips-to-fight-revenge-spending/) - 7 Tips to Fight Revenge Spending If you are tempted to revenge spend, take a moment to check in with your emotions. Practicing mindful spending.
- ['Real Housewives' Star Sentenced for Role in Telemarketing Fraud Scheme](https://debtwave.org/real-housewives-star-sentenced-for-role-in-telemarketing-fraud-scheme/) - Real Housewives Star Jen Shah was sentenced for her role in a nationwide telemarketing scam. Did you know phone scams cost Americans nearly $40 billion in 2022?
- [10 Ways to Lower Gas, Electric Bills](https://debtwave.org/10-ways-to-lower-gas-electric-bills/) - For those living in Southern California, an alarming announcement came from the region’s gas and electric provider, San Diego Gas & Electric (SDG&E), in December 2022, warning that average natural gas users should expect to see an increase in their January bills. Although SDG&E expected an increase in prices, no one anticipated it to soar
- [$1,000 Monthly Car Payments: Is This Our New Normal?](https://debtwave.org/surging-auto-loan-debt/) - Car prices are at record-highs as are interest rates. This means a record-high number of consumers are paying $1,000 a month for new car loans
- [Unexpected Expenses & Holiday Travel Fiascos](https://debtwave.org/unexpected-expenses-holiday-travel-fiascos/) - The travel delays during the Winter Holidays in 2022 were a good reminder of why it's important not to max out credit cards and always have an emergency fund.
- [Does Your Money Mindset Affect Your Ability to Pay Off Debt?](https://debtwave.org/money-mindset-affect-ability-debt-free/) - We know scarcity thinking tends to lead to high-interest debt. But does a scarcity mindset make it harder to pay off debt compared to an abundance mindset?
- [Federal Reserve Raises Interest Rates For the Seventh Time](https://debtwave.org/fed-raises-interest-rates-seventh-time-2022/) - The Federal Reserve raised interest rates by 50 percentage points Dec 2022. Consumer loans benchmark around 4.25 percent the highest rates seen in 15 years.
- [5 Money-Savings Ideas for Christmas Gifts & Presents](https://debtwave.org/5-ways-save-money-holiday-gifts/) - We're sharing 5 ways to spread Holiday Cheer, without starting the New Year off with credit card debt. What are your favorite ways to save during the Holidays?
- [10 Winter Activities on a Budget](https://debtwave.org/10-winter-activities-on-a-budget/) - Winter may not sound like an expensive time of year, but it often is even after the Holiday Season passes. 10 budget-friendly winter family fun activities.
- [Credit Card Debt Exploded in 2022: How Does Your Debt Compare?](https://debtwave.org/credit-card-debt-exploded-in-2022/) - Credit Card Exploded in 2022: How Does Your Debt Compare? Ten states with the highest credit card debt, ten U.S. states with the lowest credit card debt
- [Cost of Thanksgiving - 2022](https://debtwave.org/cost-of-thanksgiving-2022/) - Will your traditional Thanksgiving Dinner of turkey, mashed potatoes, stuffing, vegetables, and pumpkin pie cost more in 2022? Unfortunately, yes. Just about every part of your Thanksgiving dinner will cost more in 2022, including ingredients used to make a bunch of popular holiday dishes, including flour, butter, and eggs, pushing the total cost of your
- [7 Money Lessons from ‘Dumb & Dumber’](https://debtwave.org/money-lessons-dumb-dumber/) - Do you have a number in your mind that you consider wealthy? Is there a certain amount of money in your bank account that would make you stop worrying about your financial situation, the future, and how you’re going to pay for x, y, and z? I often ask myself this question when I feel
- [Fed Raises Interest Rates By .75% for Fourth Time](https://debtwave.org/fed-raises-interest-rates-nov-2022/) - The Federal Reserve raised interest rates Nov 2022 by an additional 75 percentage points putting the average consumer loan interest rate around 3.75 percent.
- [Can Gratitude Benefit Your Debt Payoff Journey?](https://debtwave.org/gratitude-benefit-debt-payoff/) - After regularly practicing gratitude, the stress of paying off my credit card debt started to soften, and I focused on the light at the end of the debt tunnel.
- [Biden Admin Student Loan Relief Application Now Live](https://debtwave.org/biden-student-loan-relief-application/) - Applications for the Biden administration’s student loan relief program are live. Borrowers have until Dec. 31, 2023, to apply for the program.
- [5 Times Spending More May Benefit Your Finances Long Term](https://debtwave.org/5-times-spending-more-benefit-finances/) - Five areas in our budget where spending more - even when paying off high-interest credit card debt - may benefit your finances in the long run.
- [SEC Fines Kim Kardashian $1.26 Million for Crypto Instagram Post](https://debtwave.org/sec-fines-kardashian-crypto/) - SEC fines Kim Kardashian $1.26 million equivalent of $100 based on her net worth for violating SEC rules regarding cryptocurrency social media posts
- [Dr. Virgie’s 3 Steps to Crush Medical Debt](https://debtwave.org/3-steps-crush-medical-debt-dr-virgie/) - When it comes to paying off debt, much of our focus is on credit card debt, student loan debt, and mortgages. Unfortunately, this leaves out the most crippling debt for U.S. consumers: medical debt, which also happens to be the No. 1 cause of bankruptcy in the United States. Perhaps what is even more shocking
- [Fed Raises Interest Rates 3%+ in 2022, Says Plan for More Hikes through 2023](https://debtwave.org/fed-raises-interest-rates-3-in-2022-says-plan-for-more-hikes-through-2023/) - On Sept. 21, 2022, the Federal Reserve announced U.S. interest rates would rise another 75 percentage points and that more interest rate hikes are coming before the end of 2022. Following the latest interest rate hike, the average consumer loan has increased by 3 percent, and many business loans have increased by 3.25 percent, creating
- [Halloween Savings (Save Big with a Halloween Budget)](https://debtwave.org/halloween-on-a-budget/) - Halloween is quickly approaching, and more than 69 percent of Americans plan to participate in Halloween-related activities in 2022, spending an all-time high of $10.6 billion on Halloween-related items, up from last year's record of $10.1 billion, according to the National Retail Federation. Among those celebrating Halloween, many said they plan to participate in largely
- [CFPB: Regulate BNPL Like Credit Cards](https://debtwave.org/cfpb-regulate-bnpl-like-credit-cards/) - Consumer Financial Protection Bureau (CFPB) says it’s time to regulate these Buy Now Pay Later companies like credit cards to protect consumer financial health
- [Budget-Friendly Fall Fun](https://debtwave.org/budget-friendly-fall-fun/) - 14 budget-friendly ideas designed to have fun with family and friends during the autumn months without incurring additional credit card debt
- [Rydell High Personal Finance 101: Money Lessons from ‘Grease’](https://debtwave.org/6-money-lessons-from-grease/) - When Sandy sang “Hopelessly Devoted to You,” was she singing about Danny or funding her savings and retirement accounts to the max? Maybe a little bit of both?
- [Bad Financial Advice from Social Media](https://debtwave.org/bad-financial-advice-from-social-media/) - For the last decade, social media has increasingly become a way to learn tips and tricks from professionals in various industries, including personal finance. Although some financial advice on social media has created an opportunity for more people to learn healthier ways to manage, save, spend and invest their money, not all free advice is
- [Recessions & Credit Card Debt: Are You Prepared?](https://debtwave.org/recession-credit-card-debt/) - What is an economic recession? How does a recession affect credit card debt? How can you financially prepare for an economic slowdown like a recession?
- [6 Lessons from 'Confessions of a Shopaholic'](https://debtwave.org/6-lessons-from-confessions-of-a-shopaholic/) - 6 Money Lessons from “Confessions of a Shopaholic” as to how and why shopping becomes addictive and why we continue to spend money when we have credit card debt
- [Rising Childcare Costs Outpace Inflation](https://debtwave.org/rising-childcare-costs-outpace-inflation/) - In three out of four regions of the U.S., the annual price of child care at a daycare center for an infant exceeds the cost of housing
- [Lifestyle Creep: What is It & How to Avoid It](https://debtwave.org/lifestyle-creep/) - With lifestyle inflation, our income increases along with our spending because we convince ourselves we must have new wardrobes, new homes, cars and hobbies.
- [Fed Raises Interest Rates At Fastest Pace in 30+ Years](https://debtwave.org/fed-raises-interest-rates-at-fastest-pace-in-30-years/) - Fed Raises Interest Rates At Fastest Pace in 30+ years. The biggest piece of advice for consumers? Pay Down High-Interest Credit Card Debt
- [Survey: 1 in 3 Earning $250k Living Paycheck to Paycheck](https://debtwave.org/survey-1-in-3-earning-250k-living-paycheck-to-paycheck/) - April 2022 Survey finds 2 in 3 U.S. consumers Living Paycheck to Paycheck; 1 in 3 Earning $250k Living Paycheck to Paycheck.
- [2022 State of LGBTQ+ Finances](https://debtwave.org/2022-state-of-lgbtq-finances/) - Survey from The Motley Fool Debt Free Guys found LGBTQ+ Americans are financially stressed struggling to achieve financial health including generational wealth.
- [4 Ways to Fast Track Your Debt-Payoff Journey](https://debtwave.org/4-ways-to-fast-track-your-debt-payoff-journey/) - When it comes to paying off credit card debt, the first thought most of us have is to slash our spending. But what happens when the bulk of your expenses can’t be further reduced, like your mortgage, rent, groceries, or daycare expenses? Similarly, what if you’re feeling motivated to pay off your debt faster than
- [Crypto Addiction Crisis Brewing](https://debtwave.org/crypto-addiction-crisis-brewing/) - an increase in the number of individuals seeking treatment for cryptocurrency-related addictions has some mental health professionals wondering crisis brewing
- [‘New Girl’ Money Personality Quiz](https://debtwave.org/new-girl-money-personality-quiz/) - Which ‘New Girl’ character are you most like when it comes to money mindset or money personalities? Take our New Girl money mindset quiz to find out!
- [14 Common Budgeting Mistakes](https://debtwave.org/14-common-budgeting-mistakes/) - Although there are a plethora of ways to budget, there are some universal truths, and budgeting mistakes to avoid. What are some common budgeting mistakes?
- [27 Ways to Save at the Grocery Store](https://debtwave.org/27-grocery-savings-tips/) - 27 grocery savings tips to keep your grocery budget from credit card debt 2022. Grocery prices continue to be impacted by inflation supply and demand issues.
- [10 Savings Tips for 2022 Summer Travel](https://debtwave.org/10-savings-tips-2022-summer-travel/) - Due to pent-up travel demand these past two years, travel is expected to reach or even exceed pre-pandemic levels this summer.expect it to be busy and expensive
- [Student Loan Payments Resume in May: Are You Ready?](https://debtwave.org/student-loan-payments-resume-may-2022/) - Update: On April 5, 2022, President Biden extended the student loan repayment freeze until Aug. 31, 2022. Starting May 1, 2022, more than 50 million student loan borrowers will once again be required to make payments toward their student loans, including 41 million federal student loan borrowers. Payments were slated to resume on Feb. 1, 2022,
- [Inflation Costing Consumers an Extra $5k in 2022](https://debtwave.org/inflation-costing-consumers-an-extra-5k-in-2022/) - Inflation is expected to cost U.S. consumers an extra $5,200 in 2022 - even if they bought the same things they did in 2021. That's $433 extra each month.
- [US Consumers Experience Dramatic Increase in Housing, Rent](https://debtwave.org/us-housing-rent-cost-skyrocket/) - For the last two years, the cost of housing has exploded throughout the United States, including in remote areas that prior to 2020 appeared immune to the dramatic rise in housing that had haunted high-cost of living areas, predominantly coastal cities, for decades. Data from Rent.com’s March 2022 rental property inventory and Apartment Guide numbers
- [15 Ways to Save Money at the Gas Pump](https://debtwave.org/15-gas-pump-savings/) - Inflation, supply chain issues, and now war. Prices on goods and services have all continued to steadily climb at the fastest rate in four decades, putting inflation at around 7.9 percent at the end of February 2022. Patrick DeHaan, a senior petroleum analyst at GasBuddy, a website and app that helps drivers find the best
- [What is Financial Infidelity & How to Address It?](https://debtwave.org/financial-infidelity/) - It can start small. Your partner goes on a shopping spree or buys himself new golf clubs – without telling you. Suddenly your budget is out of whack and you don’t know why. Unplanned expenses happen. But when it happens repeatedly, you’re not only opening up yourself to a heated discussion with your spouse, you’re
- [Money Mindset: Budgeting](https://debtwave.org/money-mindset-budgeting/) - 90 percent of personal finance is psychological. The rest is math. There are ways to trick your mind into budgeting without realizing you are budgeting
- [Romance And Money Scams on the Rise](https://debtwave.org/romance-money-scams-rise/) - Have you seen Netflix’s new true-crime documentary “The Tinder Swindler”? The documentary follows the story of three young women who were defrauded by “Simon Leviev,” aka Shimon Hayut, a 31-year-old international fraudster who has been conning people out of money since his late teens. The documentary traces the fraudulent acts Shimon committed from 2017 to
- [How the Fed Rate Hike Affects Credit Card Debt](https://debtwave.org/how-the-fed-rate-hike-affects-credit-card-debt/) - The Federal Reserve is expected to raise interest rates during their annual meeting in March 2022. How will rising interest rates affect credit card debt?
- [Less Than 2% Credit Report Errors Remedied, CFPB Finds](https://debtwave.org/few-credit-report-errors-remedied/) - Less than 2 percent of consumer complaints to credit bureaus regarding credit score errors were addressed, according to a January 2022 report from the CFPB
- [Overdraft, NSF Fees Coming to An End?](https://debtwave.org/overdraft-nsf-fees-end/) - CFPB announces enforcement action against banks using overdraft protection fees and insufficient fees to increase profits. Capital One ends banking fees NSF
- [Blue Monday is Here: 3 Ways to Keep Debt From Turning into Depression](https://debtwave.org/blue-monday-debt-turning-depression/) - The arrival of the third Monday in January provocatively referred to as “Blue Monday,” can be a very challenging day for anyone. According to psychologist Dr. Cliff Arnall, Blue Monday is the single day of the year in which people tend to be the most miserable. Why? It’s not just that the days are dark,
- [The Downside of Buy Now, Pay Later](https://debtwave.org/downside-buy-now-pay-later/) - Buy Now Pay Later services come with a lot of advantages and perks compared to payday loans. But what are the disadvantages or downsides of using BNPL-funded?
- [When the Money is Gone: Financial Lessons from Schitt’s Creek](https://debtwave.org/financial-lessons-schitts-creek/) - What would happen if you took a Kardashian-style family with very materialistic priorities, and you watched the undoing of that until they had nothing?
- [New Year, New Financial Goals](https://debtwave.org/new-year-new-financial-goals/) - As we prepare our homes, hearts, and budgets for all to come in the New Year, the team at DebtWave wanted to share financial tips and our own money goals.
- [How the US Debt Limit Affects Your Wallet](https://debtwave.org/how-the-us-debt-limit-affects-your-wallet/) - How the US Debt Limit Affects Your Wallet and the Cost of Borrowing Money from credit card debt to student loans, auto loans, mortgages, and more.
- [The Cost of Christmas: 2021 Edition](https://debtwave.org/christmas-cost-2021/) - How much Christmas costs in 2021? Inflation, Christmas Tree shortage, Santa Claus shortage, Holiday-themed side hustles and the 12 Days of Christmas Cost 2021
- [Scented Credit Card Offers: A New Trend to Get You to Spend?](https://debtwave.org/scented-credit-card-new-trend-spend/) - Consumers follow their noses first, and if a customer likes what they smell, that customer is more likely to stick spend money. The scented credit card offers.
- [Have You Noticed All the Recent Songs About Money?](https://debtwave.org/money-music-playlist/) - Have you noticed all the recent songs about money, abundance, the ability to manifest a debt-free life without credit card debt, student loans, or auto loans?
- [Would You Buy a House with Friends?](https://debtwave.org/would-you-buy-a-house-with-friends/) - Buying a home is part of the American dream. While housing affordability has been an issue for decades, 3 in 4 Americans believe homeownership is a good financial decision. But for non-homeowners, buying a home is increasingly further out of financial reach for many. Home prices increased by 16.2 percent from 2020 to 2021. The
- [Learning Personal Finance Through Gaming](https://debtwave.org/learning-personal-finance-through-gaming/) - Do you use computer, video or board games to learn personal finance saving, budgeting, and paying off debt? Did you know you could gamify learning about money?
- [‘Squid Game’ Spotlights The Horrors of Debt](https://debtwave.org/squid-game-spotlights-the-horrors-of-debt/) - 1-800-662-HELP (4357) – SAMHSA SAMHSA’s National Helpline is a free, confidential, 24/7, 365-day-a-year treatment referral and information service (in English and Spanish) for individuals and families facing mental and/or substance use disorders. Warning: Spoilers ahead for “Squid Game” Chances are even if you have not watched Netflix’s latest hit series “Squid Game,” you’ve at least
- [Discussing Your Debt-Free Budget with Friends, Family](https://debtwave.org/discussing-budget-friends-family/) - When you find yourself with an uncomfortable amount of credit card debt and decide to prioritize your financial freedom, there’s oftentimes a group of people that we’re most afraid to share our new money goals with: our family and friends. If the thought of talking about money makes you squirm, you’re not alone. As much
- [Does It Pay to Be Single? Pew Study Says No](https://debtwave.org/does-it-pay-to-be-single-pew-study-says-no/) - A new survey from Pew Research Center confirms that being single takes a toll on your finances more so than being married does – particularly for single men.
- [SCOTUS NCAA Ruling Changes Financial Game for College Athletes](https://debtwave.org/scotus-ncaa-ruling-college-athletes/) - What do athletes and rock stars have in common? Most tend to make a lot of money - millions of dollars - in a few years. All of their hard work, hard-earned money can disappear just as quickly as it was earned if they’re not careful, which is why many athletes and those in the
- [One-on-One with DebtWave’s Certified Credit Counselor Pat Gombes](https://debtwave.org/one-on-one-debtwave-certified-credit-counselor/) - For more than five years, one of DebtWave’s Certified Credit Counselors, Pat Gombes, has helped hundreds of consumers struggling to find that bright light at the end of a dark debt tunnel. In fact, Pat has helped so many people through this process, she now has it down to a science. “When I first start
- [Credit Card Debt Causing You Stress? 5 Warning Signs](https://debtwave.org/5-signs-credit-card-debt-financial-stress/) - There’s a difference between carrying a small balance on your credit card that can be paid off within a month or two, and a credit card balance that is so high that when your creditor adds the interest you owe at the end of the month, it maxes out your card. Even if you have
- [5 Ways Tackling Debt Gives You a Major Confidence Boost](https://debtwave.org/5-ways-getting-help-for-your-debt-can-give-you-a-major-confidence-boost/) - In addition to being financially overwhelming, debt is oftentimes emotionally draining as well. Juggling today’s necessities while tending to yesterday’s financial obligations can seem like an impossible task – one that can be tough to handle properly. While tackling debt on your own is entirely possible, tapping into outside resources can streamline the process and
- [8 Tips on How to Go Back to School Shopping on a Budget](https://debtwave.org/8-back-to-school-shopping-tips-for-every-familys-budget/) - From crayons and calculators to pocket folders and USB drives: Back-to-school shopping is in full swing as the start of a new school year rapidly approaches. Some of you may have been preparing for the cost of school supplies for a few months. Great job! You’re ahead of the game! Others of you may be
- [Gold Digger or Financial Swindler: The Curious Case of Erika Jayne](https://debtwave.org/gold-digger-or-financial-swindler-the-curious-case-of-erika-jayne/) - Did Erika Jayne know her estranged husband attorney Tom Girardi was embezzling money from settlement funds created for the survivors of tragic incidents?
- [Debt-Free Dating](https://debtwave.org/debt-free-dating/) - It’s one thing to be on a debt-free journey with your life partner after both of you incurred debt together. It’s a whole different experience though when you’re on a debt-free journey while you’re single and you’re still looking for Mr. or Mrs. Right. If you’re dating while on a debt-free journey or maybe you’ve
- [What Your Favorite ‘Office’ Character Says About Your Relationship with Money](https://debtwave.org/office-character-money-personality/) - The Office is a show full of different money personalities. What does your favorite character from 'The Office' say about your relationship with money?
- [10 Ways DebtWave Improved My Finances](https://debtwave.org/10-ways-debtwave-improved-my-finances/) - My husband and I recently purchased our first home. It’s been about two months and we’re both still pinching ourselves, expecting to wake up any moment from this great dream. Only it’s not a dream. We’re now financially responsible for a mortgage and everything else that comes with being a homeowner. While I know there
- [What is Cryptocurrency?](https://debtwave.org/what-is-cryptocurrency/) - What is cryptocurrency? Do you invest with Bitcoin? Buy things with Dogecoin? We take a deep dive and explore the crypto craze.
- [Financial Challenges Facing the LGBTQ Community](https://debtwave.org/financial-challenges-facing-lgbtq-community/) - More than 60 percent of Lesbian, Gay, Bisexual, Transgender, and Queer (LGBTQ) community members reported experiencing financial challenges because of their sexual orientation or gender identity, according to a new LGBTQ money survey from Experian. The study’s findings, published during Pride Month in 2018, shed new light on financial issues facing the LGBTQ community, as
- [Would You Pay Thousands to Attend a Wedding?](https://debtwave.org/pay-to-attend-wedding/) - A bachelorette party in Vegas or a destination wedding may sound great, but if you can’t afford to do it all or any of it, you simply can’t afford it.
- [Is the Historic Credit Card Debt Payoff Over?](https://debtwave.org/historic-credit-card-debt-payoff-ending/) - Consumers are paying off debt at the fastest pace in two decades. But many signs indicate that debt will return quickly once financial hardship programs end.
- [Gas Prices Rising (10 Tips to Deal With Rising Gas Prices)](https://debtwave.org/gasoline-prices-again-on-the-rise-ten-tips-to-help-relieve-stress-at-the-pump/) - Here we are in 2021 and drivers are facing dramatic rises in gas prices, especially on the West Coast, where they have jumped as much as seventy to eighty cents in a matter of weeks to now average more than $4 a gallon in California. Higher gas prices can ruin a budget and cause people
- [The Great ‘She-Cession’](https://debtwave.org/great-shecession/) - Since March 2020, 28% of women with kids under 18 in the household have temporarily or permanently left the workforce to become a primary caregiver to children.
- [8 Financial Red Flags from ‘Friends’](https://debtwave.org/8-financial-red-flags-from-friends/) - It’s hard to find a show that has had a greater cultural impact on American life than the 90s television sitcom Friends. From “The Rachel” haircut, to the Holiday Armadillo, “Smelly Cat”, and even the “I’ll Be There for You” theme song, Friends is a show that continues to feel relevant and relatable - even
- [Should I Bank on Student Loan Debt Cancellation?](https://debtwave.org/should-i-bank-on-student-loan-debt-cancellation/) - Prior to the coronavirus pandemic, student loan debt was not just rampant in the United States, the high levels of debt were delaying other big financial events for some 44 million Americans including marriage, buying a home, and having a baby. When you look at the numbers, it makes sense why many millennials were delaying
- [How to Earn & Maximize Credit Card Reward Points](https://debtwave.org/credit-card-tips-to-maximize-your-rewards-minimize-costs/) - Managing your credit cards isn't a one-time thing; you'll need to keep at it on a regular basis to get the most out of your plastic. How to Earn & Maximize Credit Card Reward Points Here are some tips to help you maximize your credit card rewards and minimize costs with every swipe: 1. Use
- [5 Unnecessary Expenses to Cut From Your Budget](https://debtwave.org/five-expenses-to-reconsider/) - Have you ever canceled a subscription service and then realized that you never really used that service anyway? When tracking expenses or setting up a budget, people tend to find things that they pay for every month that they wouldn't miss if they canceled. Saving money every month by not paying for something that you
- [A Success Story from DebtWave Client Bodo Loerke](https://debtwave.org/debtmanagementprogramsuccesstory/) - Three-and a half years ago, Bodo Loerke found himself in a dark tunnel, face to face with a large, venomous beast. Well, it wasn't exactly an animal, nor was it poisonous, but it was huge and capable of doing tremendous damage to the human soul. That beast was his credit card debt, and the total
- [#1 Reason People Get Into Debt: Bad Spending Habits](https://debtwave.org/bad-spending-habits-that-get-you-into-credit-card-debt/) - There's no surprise that many people struggle with credit card debt. Occasionally people are overwhelmed because of circumstances beyond their control, such as medical debt or loss of income. It's important to remember that life happens! Not all situations can be entirely planned for, but good spending habits can reduce the threat of debt. Often
- [#FreeBritney Movement Raises Awareness for Financial Abuse](https://debtwave.org/free-britney-finances/) - "Even when there is no financial abuse, conservatorships limit a person's ability to advocate for themselves, learn from their decisions, mistakes, and grow."
- [Money Disorders: 8 Money Avoidance & Relational Disorders](https://debtwave.org/possible-reasons-for-credit-card-debt-money-avoidance-disorders/) - Money disorders are common in society though they are rarely spoken about in everyday conversations. Money disorders are rigid patterns of self-destructive, financial behaviors that cause significant stress, anxiety, emotional distress, and impairment in major areas of one's life. Money disorders are created from family dysfunction, emotional difficulties, coping strategies that went awry, painful childhood
- [Is Debt Management & Credit Counseling Bad for Your Credit?](https://debtwave.org/will-credit-counseling-hurt-my-credit/) - The primary purpose of a Debt Management Program is to get you out of credit card debt, not to improve your credit rating so you can borrow more money.
- [5 Reasons Consumer Credit Counseling Services Work](https://debtwave.org/5-reasons-credit-counseling-successful/) - The thought of enrolling in a credit counseling program (also referred to as a Debt Management Program or DMP) or any other debt management service from a credit card debt relief company can lead to a lot of skepticism and fear. As you research all of these options, there are various pros and cons of
- [10 Financial Lessons from 75 Episodes of Talk Wealth To Me](https://debtwave.org/75-episodes-talk-wealth-to-me/) - Now that the personal finance podcast Talk Wealth To Me has more than 75 episodes, we wanted to take a look back at some of the financial lessons we've learned.
- [Prince Harry: Financially Cut Off](https://debtwave.org/prince-harry-financially-cut-off/) - Like 17.1 million Americans, I recently watched Oprah Winfrey’s sit-down interview with Prince Harry and Meghan Markle. While there were dozens of juicy truth-bombs peppered throughout the interview, one line in particular that caught my attention was when Prince Harry mentioned he had been financially cut off from the Royal Family. This was in addition
- [8 Ways You Can Lose Control of Your Personal Finances](https://debtwave.org/eight-ways-you-can-lose-control-of-your-personal-finances/) - Establishing a solid financial footing for you and your family can take time, sometimes years. Unfortunately, a single financial hardship or a temporary lapse in judgment can lead to years of hard work going down the drain. 8 Ways You Can Lose Control of Your Personal Finances 1. Living Without a Budget Living without the
- [What to Know When Applying for Credit Cards](https://debtwave.org/what-to-know-when-applying-for-credit-cards/) - Most of the world today wants to apply for a credit card(s) or people continuously get offers from credit card companies. Because of this, we think it is important to always do your research and think about things before applying for these credit cards. What to Know When Applying for Credit Cards 1. Spending Habits
- [What's the Difference Between Credit Cards & Debit Cards?](https://debtwave.org/debit-cards-like-credit-cards-but-only-on-the-surface/) - It looks like a credit card, swipes like a credit card, but isn't a credit card. it's amazing how many people think that they are one and the same. Basically, a debit card is an electronic check. The payment is deducted directly from your checking or savings account. Debit cards are handy so handy, in
- [Money Before Marriage (How to Talk Money With Your Partner)](https://debtwave.org/discuss-personal-finances-before-you-say-i-do/) - It is crucial for all couples to have a candid conversation about personal finances before tying the knot. Couples must be clear about their current, financial situation, attitudes toward spending and saving, and financial goals. The reason why? Being in the dark with your own money is hard enough, but if the two of you have
- [Are Credit Card Rewards Worth It If You Go Into Debt?](https://debtwave.org/are-credit-card-rewards-worth-going-into-debt/) - Cashback, airline miles, or reward points? Most of us with credit cards love to collect whatever rewards have built up as a result of our credit card use over time. Have you ever wondered how credit card companies can afford to give cashback and pay airfare for thousands of cardholders? First, it's important to understand
- [Financial Fitness (How to Become Financially Fit for Life)](https://debtwave.org/ten-great-goals-to-become-financially-fit/) - With every changing season or new year, we should try to better ourselves and improve upon our financial situation. One of the most important things we can do to get started is by creating goals for ourselves. Everyone has a different situation financially and there is not only one "right" goal for everyone. Below are
- [Are Credit Card Pre-Approval Offers in the Mail Legit?](https://debtwave.org/pre-approved-credit-card/) - Don't let the countless pre-approved offers convince you to open a new credit card you otherwise would not have applied for. If you don't need a new credit card, just shred the offers and move on.
- [Understanding APR Finance Charges for Credit Cards](https://debtwave.org/apr-finance-charges/) - Being aware of how interest will be calculated on your credit cards or any other loans is one of the key steps to proper debt management.
- [How to Survive Wedding Season Without Racking Up Debt](https://debtwave.org/how-to-survive-wedding-season-without-destroying-your-finances/) - It’s that time of year again. Wedding invites have begun to flood your mailbox and you may be stressing about the cost of attending all these social events. What makes the cost of attending weddings challenging is that typically the wedding invites we receive are from our family and close friends. AKA it’s really hard
- [Should I Cosign on a Loan for a Friend or Family Member?](https://debtwave.org/credit-cards-and-other-loans-should-i-cosign/) - Cosigning a loan shows you are willing to take responsibility for the loan, meaning a creditor can collect money from you, as well as send negative information to the credit reporting agencies.
- [Increase Cash Flow With a Monthly Budget](https://debtwave.org/increase-cash-flow-budget/) - Budgeting is not a glamorous chore and most Americans cringe when they hear the word "budget," but most of us would love to have more money left over at the end of each month. So why not give it a try?
- [Why it is Unwise to Buy a Car with a Credit Card](https://debtwave.org/think-twice-before-using-credit-card-to-buy-a-car/) - Using my credit cards to make the down payment for my car felt wrong, but it was more convenient and I was sure I would not pay finance charges because the money was already in my account.
- [How to Juggle Monthly Bills With Biweekly Paychecks](https://debtwave.org/juggling-your-monthly-bills-on-a-bi-weekly-pay-schedule/) - Budgeting with biweekly pay schedules doesn't have to be complicated. Five tips to help you end the madness and keep current with your monthly bill payments.
- [10 Great Financial Goals to Achieve in Your Lifetime](https://debtwave.org/10-financial-goals/) - A lot of people try to improve their financial situation by creating short-term and long-term money goals. For the top 10 most common goals check out this list
- [Benefits of a Financial Analysis with a Credit Counselor](https://debtwave.org/benefits-financial-analysis-credit-counselor/) - Breaking the cycle of dependency on credit cards can be a tough and lonely road. If you’re looking for support, call nonprofit DebtWave Credit Counseling, Inc.
- [Why Is My Credit Score So Varied?](https://debtwave.org/why-is-my-credit-score-so-varied/) - When you are scouring the internet for your credit score there are websites you can use to find those free scores, but be warned they are not all created equal.
- [5 Best Finance Documentaries & Movies Everyone Should Watch](https://debtwave.org/oscars-2019-finlit/) - While personal finance fascinates some, for many others, it’s abysmal to include ‘entertainment’ and ‘finance’ in the same sentence, let alone consider finance as a possible form of entertainment! But film has been able to do something that written words and timeless photos have struggled to do on their own – films allow us to
- [Set Yourself Up for Success with S.M.A.R.T. Goals](https://debtwave.org/smart-goals/) - At the start of each New Year, we’re encouraged to set goals and resolutions for ourselves. The idea is that with the year ahead of us, we may be inspired to bring something new to our daily routine or break up with an old habit. Typically the most popular goals are ones involving health, fitness,
- [It's Not Just You. Grocery Prices Are on the Rise](https://debtwave.org/grocery-prices-on-the-rise/) - Since the start of the pandemic, I’ve noticed a steady-uptick in my grocery bill despite my best grocery budgeting attempts. It wasn’t until I noticed other people sharing how their grocery expenses had also dramatically increased that I was able to breathe a sigh of relief. Phew, it’s not just me. While some people explained
- [Why Renting is Not Always a Waste of Money](https://debtwave.org/why-renting-is-not-always-a-waste-of-money/) - In the personal finance world, there are some unspoken rules that those who are successful with their money seem to follow. One of those rules: Renting an apartment or home is a complete waste of money. As a renter, this kind of financial success mantra more than scared me; it pushed me into a scarcity
- [9 Quick and Easy Ways to Improve Your Credit Score](https://debtwave.org/9-quick-and-easy-ways-to-improve-your-credit-score/) - Bettering your financial health is a lot like improving your physical health: lasting change takes time and patience, and quick-fix methods will invariably backfire. Your credit score is a significant part of your overall financial health. A score in the “excellent” range (750 to 850) allows you access to the best interest rates, as well
- [How a Budget Supports Your Life Goals](https://debtwave.org/how-a-budget-supports-your-life-goals/) - The key when it comes to budgeting is to weigh your expenses and wants against your life goals to see if you’re still in alignment with what you'd rather do.
- [How to Talk to Your Kids About Finances](https://debtwave.org/how-to-talk-to-your-kids-about-finances/) - If parents aren’t talking with their kids about subjects like family finances or debt, kids are drawing their own conclusions which may not be accurate.
- [Buy Now, Pay Later Online Shopping: Creating a New Generation of Debt?](https://debtwave.org/buy-now-pay-later-debt/) - Are buy-now, pay-later options like Afterpay creating a new generation of debt? Or are micro-installment loans the new credit cards?
- [4 Financial To-Do’s Before Buying A Home](https://debtwave.org/4-financial-to-dos-before-buying-a-home/) - If you’re in the market for a new home or if you’re a first-time homebuyer, what can you do to get a financial advantage over your competition? 
- [DebtWave Credit Counseling Featured on BadCredit.org](https://debtwave.org/debtwave-credit-counseling-featured-on-badcredit-org/) - In a Nutshell: DebtWave offers debt management, counseling, and coaching solutions to help consumers take back their financial freedom. The company’s dedicated debt management experts dive deep into individual situations to discover the issues behind outstanding debt. Then, they work with clients to create budgets and road maps for paying off debt while establishing positive habits and behaviors that will keep them on the right track. DebtWave can help clients reduce, eliminate, and avoid debt, and move on to live happier, healthier lives.
- [Testing The Impact of Guaranteed Income](https://debtwave.org/testing-the-impact-of-guaranteed-income/) - When the restaurant, travel, and entertainment industries shut down in the early spring of 2020, there were many conversations on how we as a country could come together and support these industries and the thousands of millions of Americans they employed. One answer was The Cares Act - the $2.2 trillion stimulus package, passed in
- [Life After Debt (Plan to Pay Off Credit Card Debt)](https://debtwave.org/financial-planning-after-paying-off-credit-card-debt/) - After paying the last penny back to your creditor, you may feel a sense of relief. After all, owing money is incredibly stressful! However, now is definitely not the time to go wild; rather, now is the time to sit back with a cup of tea, paper, pen, and a calm mind to plan your
- [What is a Spousal IRA & How Much Should You Contribute?](https://debtwave.org/spousal-ira-101/) - An IRA, or Individual Retirement Account, is a powerful retirement-planning tool. An IRA allows individual investors to save a portion of their earned income for retirement with tax-free growth and on a tax-deferred basis. For people with earned income, an IRA is a no-brainer. For spouses who don’t work for pay, on the other hand,
- [9 Quarantine-Friendly and Affordable Thanksgiving Activities](https://debtwave.org/quarantine-friendly-affordable-thanksgiving/) - The 2020 Holiday Season is expected to look quite different for many families this year due to the ongoing coronavirus pandemic. The Centers for Disease Control considers large indoor gatherings with people from outside of your household a “higher risk activity,” and suggests having a small dinner party with only people in your household for
- [How to Make Quick Cash for Christmas & The Holidays](https://debtwave.org/15-ways-holiday-extra-earnings/) - Personal finance experts recommend consumers start saving money in June specifically to buy Christmas presents. The idea is that by putting away $20 to $50 per week starting in June, you would have around $1,000 saved come December to buy gifts for family and friends without going deep into credit card debt. If you didn’t
- [50 FREE & Affordable Self-Care Ideas](https://debtwave.org/50-free-affordable-self-care-ideas/) - True self-care does not take a lot of money to do because true self-care includes considering your finances.
- [7 Money Lessons from The Kardashians](https://debtwave.org/7-money-lessons-from-the-kardashians/) - After 20 seasons on the E! Network, “Keeping Up With the Kardashians” is coming to an end. The family announced the news on social media in September 2020. While news of the reality show coming to an end was met with mixed reaction, it’s hard to ignore the cultural impact of the “Kardashians,” especially since
- [Boost for Our Heroes: Al Lejarde](https://debtwave.org/lejarde-family-boost/) - Each quarter, DebtWave’s outreach group DBA the San Diego Financial Literacy Center, hosts a financial assistance and education program geared toward active, transitioning, and veteran military members. At the conclusion of each quarterly event, the SDFLC awards a military member with $3,000. These are their stories. Boost for Our Heroes: Al Lejarde History of Family Service It wasn’t
- [What Happens When You Get Sent to Collections?](https://debtwave.org/collections-credit-repair/) - Life happens. Sometimes we miscommunicate with our partner and realize no one paid the water bill. Other times we may not be able to afford to make a payment on our medical bills or towards our credit card, so we skip making a payment altogether. If you neglected to pay your bills, or a creditor
- [The Effect of Money on Your Body and Your Emotions](https://debtwave.org/effect-money-emotions/) - We all know that there’s more to money than just, well, dollars and cents. Money affects our relationships and our choices, and money affects our emotions—probably more acutely than many of us would like to admit. In fact, behavior and money are so tied together that an entire field—behavioral finance—studies how our interactions with money
- [5 Downsizing Tips & Financial Advice for Empty Nesters](https://debtwave.org/5-financial-tips-for-empty-nesters/) - Kids moving out on their own is a monumental life event for everyone involved. After so many years of being your child’s primary caregiver in every sense of the word, they set off into the world, leaving literal and figurative empty spaces behind. Once the dust has settled and the tears have dried, you may
- [Money Mistakes & Emotional Purchases that Cause Overspending](https://debtwave.org/5-emotional-money-mistakes-that-cause-you-to-overspend/) - We all make financial mistakes from time to time; but rarely do we consider or talk about how our emotions can lead us into (or deeper into) credit card debt. If you recognize your financial behaviors and spending patterns are not always ones your financial counselor would necessarily approve of, you are not alone. Truth
- [Fixing the ‘Fixed Income' Mentality](https://debtwave.org/fixed-income-mentality/) - The words we use when we speak to ourselves matter. How we view ourselves and our circumstances can have a profound effect on how we view the world. Carol Dweck, a Stanford psychologist and expert on mindset, says in her groundbreaking book, Mindset: The New Psychology of Success: "For 20 years, my research has shown
- [How Much Money Do You Need to Afford a Dog?](https://debtwave.org/how-much-money-do-you-need-to-afford-a-dog/) - 78 percent of pet owners underestimate how much their pets cost them or will cost them in the first year of ownership. How much money does it really cost to adopt a puppy?
- [Report: Consumers Cautiously Using Credit Cards During Pandemic](https://debtwave.org/report-consumers-cautiously-using-credit-cards-during-pandemic/) - Consumers have been paying down credit card debt in the first five months of the coronavirus pandemic. But as job losses continue, experts predict consumers will turn to credit cards to get by once again.
- [Budgets: The OG Financial Success Roadmap](https://debtwave.org/budgets-the-og-financial-success-roadmap/) - A budget is a tool that can help you achieve your short-term and long-term financial goals, creating a financial roadmap to financial success.
- [Best Financial Literacy Books to Help You Get Out of Debt](https://debtwave.org/debt-free-financial-literacy-books/) - Personal finance self-help books can be a great resource while you’re working to pay off debt. However, as with any other form of self-improvement, not every book is one-size-fits-all. The best results come from finding personal finance books that resonate with you and your situation. You see, not every personal finance book is written like
- [Can I Live Without Credit Cards?](https://debtwave.org/live-without-credit-card/) - It’s a seemingly innocent question – could you live without a credit card? But the answer may be more complicated than one may have anticipated. Can I Live Without Credit Cards? Sure, living without a credit card in the U.S. is entirely possible – just ask 30-year-old Florida resident Justin Hoffman. A few months ago
- [How the Average Car Payment is Keeping You in Debt](https://debtwave.org/car-loan-financial-independence/) - For decades, owning a vehicle was synonymous with freedom. Having a car meant not having to be at the mercy of a bus or train schedule; it meant you could live and work in a different neighborhood from where you worked or went to school. Vehicles even became a place of refuge – a place
- [How to Prepare Your Finances for a Natural Disaster](https://debtwave.org/5-ways-to-financially-prepare-for-a-natural-disaster/) - When it comes to natural disasters, we’re always told to prepare in advance; to gather enough supplies to sustain ourselves and our family for at least three days. While our main focus may be on obtaining clean water, food, a battery-powered radio, flashlights, and/or a headlamp, first aid kits and medicines, what about your finances?
- [Digging Out From Under Debt (My $10k Debt Story)](https://debtwave.org/digging-out-of-10k-of-debt/) - My debt story begins in 2001. A newly minted college graduate, I was excited to start the next chapter of my life. In fact, I had most things planned out even before I graduated. My plan was simple, or so I thought: Graduate, find a good job that pays six-figures, upgrade my living situation, find
- [Financial Literacy Key in Raising Credit Scores](https://debtwave.org/financial-literacy-key-in-raising-credit-scores-focus-group-finds/) - Exposure to financial literacy programs can have a positive impact on your credit score, according to data obtained from a focus group by the San Diego-based nonprofit credit counseling agency, DebtWave Credit Counseling, Inc. The focus group consisted of 116 clients located in 46 states, plus Washington, D.C. These individuals participated in a one-on-one counseling session with
- [Why Everyone Should Order a Full Credit Report](https://debtwave.org/order-credit-report/) - For those struggling with debt, particularly credit card debt, there’s one figure that’s always top of mind, right alongside your total debt: your credit score. Your credit score is a numerical figure that is determined based on five factors of a person’s financial history and predicts the likelihood the borrower will be 90 days late
- [Creditors Continue Deferred Payments, Citing COVID-19](https://debtwave.org/creditors-continue-deferred-payments-citing-covid-19/) - What financial assistance is being offered to customers? Do you plan to extend these financial assistance programs so long as the coronavirus rages on?
- [Save Money on Groceries with Meatless Mondays](https://debtwave.org/meatless-monday-grocery-savings/) - The coronavirus has forced many of us to get back in the kitchen and make our own meals. Sure, take out and fast food still exists, but having to order food multiple times per day from a food delivery service just isn’t sustainable - at least not for most family or individual budgets. Issues in
- [DebtWave Offers Financial Hardship ‘Safety Net’](https://debtwave.org/debtwave-offers-financial-hardship-safety-net/) - DebtWave Credit Counseling, Inc. now offers a financial hardship ‘safety net’ program for clients enrolled in DebtWave’s debt management program. Known as the Extended Modification Solution or EMS program, DebtWave’s financial hardship plan allows for a further reduction in a consumer’s monthly payment to their participating creditors. While primarily designed for consumers financially affected by
- [Charging Home Renovations on a Credit Card – What You Need to Know](https://debtwave.org/charging-home-renovations-on-a-credit-card-what-you-need-to-know/) - Stay-at-home orders across the U.S. have prompted many homeowners to consider tackling some much-needed repairs and renovations on their largest asset: Their home. While home renovations are huge investments of time and money, which is why it’s commonly referred to as “sweat equity,” these little improvements can have huge payoffs in terms of convenience, comfort,
- [Talking Money with Mom & Dad](https://debtwave.org/talking-money-with-mom-dad/) - A majority of older Americans plan to rely on their adult children to meet their financial and medical needs during retirement but never told their kids.
- [5 Money Lessons from 'Jurassic Park'](https://debtwave.org/5-money-lessons-from-jurassic-park/) - In our attempt to strive for all things newer, better, bigger, are we creating our own financial chaos and financial instability?
- [How Has Your Budget Changed During COVID-19?](https://debtwave.org/how-has-your-budget-changed-during-covid-19/) - Five personal finance budget adjustments to consider during the coronavirus pandemic.
- [What’s Your Money Mindset Look Like?](https://debtwave.org/whats-your-money-mindset-look-like/) - Our relationship with money is a life-long one. This has some personal finance experts wondering: Does our money mindset predict our financial success?
- [What is a Deferred Interest Credit Cards & How Do They Work?](https://debtwave.org/deferred-interest-credit-cards/) - For many consumers, a credit card that offers deferred interest seems like a smart way to finance a large purchase like a new sofa or an engagement ring. However, it seems that many consumers are unsure what deferred interest actually means, and are unaware of the hidden dangers of deferred interest. According to a recent
- [Financial Therapy (Therapy to Heal from Credit Card Debt)](https://debtwave.org/financial-therapy-credit-card-debt/) - Do you remember the first time you couldn’t pay off your credit card statement in its entirety? I remember my first time. Staring at the four-digit balance that remained left me with a whirlwind of thoughts and emotions. Even though I told myself my situation was only temporary, part of me wasn’t sure that was
- [The Emotional Toll of Credit Card Debt](https://debtwave.org/emotional-toll-credit-card-debt/) - Do you remember back in high school health class learning about a psychological theory called Maslow’s hierarchy of needs? The main idea in this psychological theory is that there’s a certain number of needs that each human being needs in order to be healthy. Basic needs included food, water, rest, shelter, and safety. Once those
- [Is America Going Cashless? (What Currency Americans Use)](https://debtwave.org/study-fewer-americans-use-cash-to-make-purchases/) - Nearly 30 percent of Americans do not use cash to make purchases, up from 24 percent in 2015, according to a December 2018 report from the Pew Research Center. The number of individuals who reported making all, or almost all, of their weekly purchases using cash, also decreased from 24 percent in 2015, to 18
- [Football Finance (Comparing Home Team's Financial Stats)](https://debtwave.org/football-finance-2019/) - There are few events that unite Americans quite like watching the big game. In 2018, nearly 189 million people watched the Philadelphia Eagles defeat the New England Patriots. And given the average adult spent $81.17 on related expenses (think food, alcohol, NFL apparel, etc.), it should come as no surprise that in total, Americans spent
- [14 Cheap Valentine's Day Ideas When on a Budget](https://debtwave.org/valentines-day-budget-2019/) - I love Valentine’s Day. Before you start rolling your eyes, let me explain why. For me, Valentine’s Day hasn’t always been about grandiose gestures or reservations for two at the most exclusive eatery in town. Instead, I made a choice in my early 20s to view Valentine’s Day as the one day each year where
- [Jackie Beck: How I Stayed Motivated Paying Off $147,000](https://debtwave.org/jackie-beck-debt-free/) - If you’re a fan of personal finance topics, blogs, and apps, you may have heard of Jackie Beck. Her award-winning Pay Off Debt app has been featured in The Oprah Magazine, Forbes, The Costco Connection, Yahoo Finance, and several others. She has an active blog where she continues to share her thoughts on budgets, credit
- [How High Housing Costs Are Linked to Financial Insecurity](https://debtwave.org/high-housing-costs/) - For a majority of Americans, the biggest monthly expense we experience is the high cost of housing. While personal finance experts recommend spending 30 percent or less of your net pay on housing– whether that be rent or a mortgage – the soaring cost is increasingly forcing many to choose between having a home and
- [How to Find Affordable Summer Camps to Cut Camp Costs](https://debtwave.org/summer-camp-savings/) - For working parents of school-aged children, there’s a question that pops up every summer: What should I do with my kids?! Summer camp is one popular way to keep kids supervised and occupied during the 11 or so weeks they’re out of the classroom. But if you happen to be a parent living paycheck-to-paycheck or
- [Budget-Friendly Fashion (How to Have Style on a Budget)](https://debtwave.org/budget-fashion-tips/) - For many women and men, fashion is a way to preserve our modesty and protect us from the harsh elements. But for others, the fashionistas among us, fashion is a non-verbal way we communicate who we are and what we value. But what happens when you find yourself strapped for cash or are unable to
- [11 Personal Finance Lessons from HBO’s 'Game of Thrones'](https://debtwave.org/got-personal-finance/) - Warning: Possible spoilers ahead The long-anticipated final season of HBO’s Game of Thrones is just a few weeks away. While most of the 20 million audience members’ attention has been spent wondering the identity of the Night King, whether Daenerys Targaryen knows Jon Snow is her nephew, and who will rule the Iron Throne when
- [How Student Loan Consolidation Helps Payoff School Loans](https://debtwave.org/student-loan-consolidation/) - If you have student loans and credit card debt, you’re likely feeling overwhelmed and unsure if you’re headed for a financial crisis of your own. And it’s no wonder – personal debt loads are increasing faster than ever before! In 2018, the average college student graduated with about $29,800 in student loan debt. This amounts
- [What is Net Worth? (How to Calculate My Net Worth)](https://debtwave.org/what-is-net-worth/) - In the financial world, when you’re asked how much you’re worth, it’s usually an inquiry regarding your net worth. Think of it kind of like your GPA in high school and college. It’s a number that sums up how you’re doing overall. Why should you care about your net worth? Your net worth tells the
- [What Will Happen If You Stop Paying Your Timeshare](https://debtwave.org/what-happens-to-credit-score-stop-paying-timeshare/) - Most people love the use they get out of their timeshare, especially during the first few years of ownership. Over time, however, they can become more difficult to use, and the costs and fees often become too expensive to justify or afford. Owners who cannot keep up with their mortgage payments and/or maintenance fees are
- [How to Juggle Raising Kids and Paying Off Credit Card Debt](https://debtwave.org/how-to-juggle-raising-kids-and-paying-off-debt/) - Paying off an oppressive amount of debt is never easy, regardless of your life situation. However, if you’re paying off credit card debt while supporting your family, it’s especially easy to feel overwhelmed or hopeless. And it’s no wonder: the cost of food, housing, and child care grows every year, while wages predominantly remain stagnant.
- [Credit Card Debt Relief for Senior Citizens Who Need Help](https://debtwave.org/credit-card-debt-help-seniors/) - Finding yourself in credit card debt during your working years, while still stressful and less than ideal, has its advantages. Namely, time. There is time to come up with a plan, find a way to reorganize your finances or make more money and return to a zero balance. Wading through credit card debt during your
- [Single Parent Debt (Tips for Paying Off Debt as a Single Mom or Single Dad)](https://debtwave.org/steps-handling-credit-card-debt-single-mom/) - Covering the everyday expenses for a family is a challenge. But for single moms and single dads, faced with the prospect of working and taking care of the emotional and physical needs of children alone, making and managing money is a much larger, harder to manage, task. Add credit card debt to the mix and
- [Student Debt and No Degree? Here’s What to Do](https://debtwave.org/student-debt-no-degree/) - If you took on student loans to pay for college but did not finish school, the debt doesn't go away. Dropping out for any reason starts the clock on repayment. If not addressed, unpaid student loans will go into default, negatively affecting your credit and landing you in a world of financial hurt. No matter
- [How Much Debt Do I Have & Why This Is Important](https://debtwave.org/if-you-dont-know-this-number-you-could-be-putting-your-finances-in-hot-water/) - How much money do you earn? How much do you currently have in your bank account? How much is your mortgage each month? You probably could answer each of these finance questions quickly and accurately. But if you’re like many Americans, there’s one financial question you might struggle to answer: how much debt do you
- [3 Reasons Personal Loans Won’t Resolve Your Credit Card Debt Issues](https://debtwave.org/3-reasons-personal-loans-wont-resolve-your-credit-card-debt-issues/) - Personal loans might seem like a knight-in-shining-financial-armor for those struggling to vanquish stubborn consumer credit card debt. But for many, personal loans are actually heartbreakingly counterproductive. 3 Reasons Personal Loans Won't Resolve Your Credit Card Debt Issues Here are three reasons why you may want to rethink paying off your credit card debt with a
- [Which Movie Best Describes You and Your Credit Card Debt?](https://debtwave.org/which-movie-best-describes-you-and-your-credit-card-debt/) - Living with credit card debt is stressful for most people. However, we all have different attitudes toward our financial situation. Jack may owe $4,000 in credit card debt can see it as overwhelming and a huge burden to his life, while Mike owes $25,000 in credit card debt and hardly seems to notice. Which Movie
- [Which Debt to Payoff First? (Lowest Balance vs High Interest)](https://debtwave.org/which-debts-should-you-pay-off-first/) - Buckling down and paying off debt is a great financial task to commit to, but it’s not as easy as just sending in a few payments every month. After all, not all debt is created equal and, for the sake of saving money and reaching debt freedom a little bit faster, it’s best to be
- [What to Do With Your Tax Return](https://debtwave.org/what-to-do-with-your-tax-return/) - Tax season is upon us. As millions of Americans finalize their tax documents ahead of the April 17th tax filing deadline, many of us begin to dream about receiving a big refund check. But not everyone will get a refund after filing their taxes. In fact, some will owe money. If you do end up
- [How to Beat Debt (Defeat Debt by Getting Angry)](https://debtwave.org/want-defeat-debt-get-angry/) - I’ll never forget the first time I used a debt payoff calculator to see how long it would take me to pay off my debt (and how much interest I’d pay in the process). I WAS SHOCKED! Confronting the numbers in that way (meaning not just knowing my balances, but understanding how many years and
- [Cheap and Affordable Screen-Free Activities for Families](https://debtwave.org/unplugged-10-affordable-activities-the-whole-family-will-enjoy-this-screen-free-week/) - Each spring, schools, and communities throughout the U.S. challenge children and their families to unplug from digital entertainment. The goal is to not just lessen our dependence on technology, but to remind ourselves how much fun we can have for free! Just like screen-free week encourages less dependence on our cell-phones, computers, televisions, tablets, etc., relying
- [Debt Management Calculators to Help Manage Debt](https://debtwave.org/top-debt-management-calculators/) - I used to think I knew so much about my debt. I thought I could pay it off simply by making larger than minimum payments, that my student loan debt would be fine in its fixed payoff schedule, and that there’d be no reason to try to pay it off ahead of time. I didn’t
- [Top 9 Financial Mistakes Consumers Make and How to Avoid Them](https://debtwave.org/top-9-financial-mistakes-and-how-to-avoid-them/) - From time to time, everyone makes mistakes with their money. They happen for many different reasons, and some of them are costlier than others. But one thing all financial mistakes have in common is that they are oftentimes avoidable with a little know-how and experience. The secret? Your financial situation at every stage of your
- [Debt Settlement Pros & Cons (Guide to Debt Settlement)](https://debtwave.org/the-pros-and-cons-of-debt-settlement/) - When you reach a point where your debt becomes overwhelming and entirely too much to handle on your own, a simple internet search for debt settlement can uncover a variety of options geared towards alleviating the pressure of said debt and getting you back to a solid financial ground. But, while many of these solutions
- [Financial Advisor vs Financial Coach (What's the Difference?)](https://debtwave.org/the-difference-between-a-financial-coach-and-financial-advisor/) - A financial coach or life coach and a financial advisor are two very different types of people and career paths, but many confuse them as the same thing. Financial Advisor vs Financial Coach (What's the Difference?) What's a Financial Coach? A financial coach helps his or her clients deal with a variety of problems ranging
- [Study Shows Discount Retailers in the US Appeal to Everyone](https://debtwave.org/study-american-consumers-shop-discount-retailers-regardless-of-age-or-income/) - Close to 90 percent of American consumers regularly shop at discount retailers regardless of their age or income, according to an October 2018 Consumer View report from the National Retail Federation. The survey of more than 3,000 U.S. adults found that: 89 percent of respondents reported shopping at a discount retailer. Specifically, 58 percent reported
- [Debt Motivation (How to Stay Motivated Paying Off Debt)](https://debtwave.org/stay-motivated-pay-off-kind-debt/) - Mortgage, student loans, credit cards- debt can take on a lot of different forms. No matter what you owe or what kind of debt you have, you probably want it gone. Debt freedom is the dream for many, many people. But when you owe large amounts of money that will take years to pay off,
- [Student Loan Crisis Caused By Student Loan Defaults](https://debtwave.org/smallest-borrowers-contribute-largely-to-student-debt-crisis/) - In February 2015, the Federal Reserve Bank of New York reported that student loan balances rose to $1.16 trillion and that 11.3 percent of that is in delinquency – that is, not being paid back. The New York Fed is worried that this debt is preventing students from becoming self-sufficient adults who can live on their own. “Student loan
- [Should I Have Kids or Pay Off Credit Card Debt First?](https://debtwave.org/should-i-pay-off-my-credit-card-debt-before-starting-a-family/) - It’s no secret credit card debt is on the rise. But did you know the average American household carried almost $16,000 in credit card debt in 2017, according to Nerdwallet? What’s even more startling is that the $16,000 debt figure doesn’t include other forms of debt, like student loans, auto loans, and mortgages. And unfortunately,
- [Should I Get a Personal Loan to Pay Off Credit Card Debt?](https://debtwave.org/should-i-get-a-personal-loan-to-pay-off-my-credit-card-debt/) - Paying a high-interest rate on a credit card – or multiple credit cards – makes you feel as if you’re running on a hamster wheel with no way of escaping the descent into debt. Then you receive an offer for a personal loan and suddenly you realize you may have found a way to pay
- [Should I Defer Student Loans (How to Defer Student Loan Debt)](https://debtwave.org/should-i-defer-my-student-loans/) - Total student loan debt in the U.S. recently reached a record new high: $1.52 trillion. While thankfully no one has trillions of dollars of student loan debt to repay, there are more than 44 million Americans who have an average student debt load of $37,172 each. With the cost of higher-education increasingly straining financial resources
- [SDFLC Awards $3,000 to Navy Seaman](https://debtwave.org/sdflc-awards-navy-seaman-3000/) - Each quarter, DebtWave Credit Counseling, Inc.’s outreach group, the San Diego Financial Literacy Center, hosts a financial assistance and education program geared toward active, transitioning, and veteran military members. At the conclusion of each quarterly event, the SDFLC awards a military member with $3,000. These are their stories. When 26-year-old David LeClerc was young, he always imagined serving
- [SDFLC Awards $3,000 to Marine Corps Vet](https://debtwave.org/san-diego-financial-literacy-center-awards-3000-to-marine-corps-vet/) - Each quarter, DebtWave Credit Counseling, Inc.’s outreach group, the San Diego Financial Literacy Center, hosts a financial assistance and education program geared toward active, transitioning, and veteran military members. At the conclusion of each quarterly event, the SDFLC awards a military member with $3,000. These are their stories. Growing up near our nation’s capital in Fairfax, Virginia, 32-year-old
- [2 Words to Remove From Your Vocabulary to Save: "It's Only..."](https://debtwave.org/remove-2-words-vocabulary-save-big/) - By now, almost everyone has heard of David Bach's "Latte Factor" - the idea that if you cut small expenses from your daily life, such as your fancy daily latte, and invest that money instead, you will be on track to accumulate great wealth. I love the principle that small, easy, and painless choices can compound
- [How to Maintain Health & Fitness With a Healthy Budget](https://debtwave.org/reinvent-fitness-and-finance-with-healthy-budget-lifestyle/) - Your lifestyle heavily influences your well-being and financial health. Nearly every financial expert says that one who’s good at taking care of their personal health is also good at maintaining their financial health. You might wonder how your physical health is connected to your financial health and money-saving mentality. Well, that’s what we’re here for!
- [What to Know Before Cosigning a Loan or Credit Card](https://debtwave.org/read-this-before-you-cosign-a-loan/) - There’s no other way to put it: Cosigning a loan or lease for someone is a huge financial risk. When you cosign, you are promising to pay back a loan if the borrower stops paying, either because they can’t, or won’t. It’s a generous act, to be sure, but far too many people don’t educate
- [How to Plan Affordable Summer Vacations](https://debtwave.org/planning-an-affordable-family-vacation-this-summer/) - The flowers are blooming, the birds are chirping and our desire for adventure is intensifying. Winter is officially over and I’m guessing the thought of taking a summer vacation has crossed your mind. If you’re worried a vacation will derail your efforts to tackle your debt – something you’ve been working hard to defeat, you’ve
- [How to Avoid Overdraft Fees, NSF Fees, & ATM Charges](https://debtwave.org/avoid-overdraft-nsf-fees-and-atm-charges-by-banking-smarter/) - It happens to the best of us. You’re running out of work to get to the gym so you can quickly get in a run before you pick up the kids from school/sports/church when you realize you forgot your water bottle. It’s a small bump in the road, but one you are bound and determined
- [9 Credit Counseling Questions to Ask a Credit Counselor](https://debtwave.org/9-questions-to-ask-a-credit-counseling-agency-before-enrolling/) - There’s a reason why people say they are “drowning” in debt, not that they are “swimming” in debt. The latter implies ease or recreation, while the other suggests a terrifying situation where they feel helpless, and sometimes, as though their life is on the line. For many people, having oppressive amounts of debt is a
- [8 Financial Health Indicators that Measure Financial Health](https://debtwave.org/8-indicators-financial-health/) - Behind the rosy headlines of a soaring stock market and historically low unemployment levels, a majority of U.S. households are struggling with their financial health, according to a November 2018 report from the Center for Financial Services Innovation (CFSI). “Loan defaults are inching upward and credit card debt is nearing an all-time high” hovering around
- [How to Reduce Grocery Bill (7 Ways to Reduce Grocery Costs)](https://debtwave.org/7-ways-to-reduce-your-grocery-bill-without-sacrificing-nutrition/) - Sticking to a budget doesn't mean you can't eat healthily or that you must sacrifice nutrition for the sake of savings. In fact, smart grocery shopping may be the single most straightforward way to reduce expenses. While many regular costs in life are fixed, such as rent or utility bills, others, like groceries, are more
- [7 Tips on How to Increase Your Income Every Month](https://debtwave.org/7-ways-to-increase-monthly-income/) - Reducing one's expenses often goes hand-in-hand with erasing credit card debt. However, for most people, there is a limit on how much one can reduce their monthly expenses. So, what's to be done if merely reducing expenses isn't enough to achieve your financial goals? Happily, there's a bit of good news we can share: there
- [Ways to Save Money Online with Social Media this Christmas](https://debtwave.org/6-ways-social-media-can-help-you-save-big-this-holiday-season/) - Social media might seem like a major time drain, but there are plenty of ways this screen time can actually help your budget instead of just killing your productivity. Retailers are always looking for new ways to reach their customers, and the quickest, most direct way is now through platforms like Facebook and Twitter. In
- [Too Much Credit Card Debt? (5 Signs You Need Debt Help)](https://debtwave.org/5-signs-you-need-help-with-your-credit-card-debt/) - When I moved to a new city to start graduate school, I opened an 18-month interest-free credit card. At the time, I thought the credit card would be a great way to pay for my books and new furniture for my apartment. After all, I’d have a whole 18 months to save enough money to
- [5 Reasons Why Saving for the Future Is Important](https://debtwave.org/5-reasons-saving-for-the-future-cant-wait-until-tomorrow/) - When money is tight, most opt to pour their available resources into today’s financial obligations versus tomorrow’s financial goals. After all, that is where we reap the immediate benefit of the money we’ve earned, instead of waiting decades for a retirement we can’t properly picture in our mind. It’s easy to avoid saving for the
- [5 Common Bankruptcy Myths and Facts Everyone Should Know](https://debtwave.org/5-myths-surrounding-bankruptcy/) - Bankruptcy is an emotionally-charged term. For some, it brings about feelings of shame, a reminder of a painful time in life. For others, it gives them a sense of relief knowing that they can have a second chance at a rock-solid financial future. Despite a wide swath of experiences, for most of us, bankruptcy conjures
- [American Debt (The Impacts of American Credit Card Debt)](https://debtwave.org/50-shades-of-debt-the-impact-of-credit-card-debt-throughout-the-u-s/) - Debts of all shapes and sizes are on the rise in the United States. A recent report found that while credit card debt is on the rise, it’s not necessarily because people are spending more. Instead, the rise in debt is being blamed on a society in which more people are heavily indebted by expenses
- [What Percentage of Americans Save for Retirement?](https://debtwave.org/50-percent-americans-insufficient-retirement-funds/) - Not having enough money saved for retirement is increasingly becoming a problem in the U.S., and may be connected to a lack of financial literacy, according to a new report from the Center for Financial Services Innovation (CFSI). While some point to income volatility, unmanageable debt loads, and a lack of short-term emergency savings to
- [4 Tips on How to Stop Living Paycheck-to-Paycheck](https://debtwave.org/4-tips-to-stop-living-paycheck-to-paycheck/) - Living paycheck-to-paycheck is much like riding a roller coaster – you experience the elation and relief at the beginning of the month, only to be followed by worry and stress by the end of the month. Unfortunately, for many, this ride simply repeats itself, month after month, year after year. Are you ready to ditch
- [How to Track Monthly Expenses with These Spending Apps](https://debtwave.org/4-apps-to-help-track-monthly-expenses/) - It can feel downright impossible to get a handle on your monthly expenses if you don't make a conscious effort to determine where you spend your money. While this has always been true, it's even more relevant today, given that transactions are predominantly conducted electronically. To ensure your finances are in order, or, to at
- [3 Ways to Save by Starting Your Holiday Shopping Today](https://debtwave.org/3-ways-to-save-by-starting-your-holiday-shopping-today/) - With a pretty tight budget and a fairly large family, I’ve always started gift shopping early before the holiday shopping season so I can give thoughtful, creative, and, most importantly, affordable presents to friends and family. Holiday sales haven’t started, and Christmas decorations aren’t even up at the shopping malls yet. But think about it:
- [3 Important Financial Questions to Ask Your Partner](https://debtwave.org/3-financial-questions-that-can-make-or-break-your-relationship/) - Financial compatibility is a top indicator of relationship success and satisfaction. It came as no surprise to most that “arguing about money” was found to be the top predictor of divorce in a 2012 study of over 4,500 couples. Earlier this year, a study conducted by SunTrust Bank found that 35 percent of all respondents
- [What Does It Mean to Pay Yourself First & How to Do It](https://debtwave.org/pay-yourself-first-before-creditors/) - I’ve been working since I was 13. I started dusting products and shelves in a hair salon and worked my way to become the writer I always wanted to be. Along the way I’ve had varied expenses, student loans, credit card debt, rent, food, clothing, insurance, cell phone bills, etc., you get the point. While
- [Paying Off Debts When Collecting Social Security Income](https://debtwave.org/paying-off-credit-card-debt-while-collecting-social-security/) - Paying off your credit card debt while collecting Social Security is undoubtedly a struggle, but it’s not impossible. Chances are you have more resources than you realize. The important thing is to take action because your debt will not go away on its own. The sooner you address the problem, the sooner you will dig
- [How to Improve Credit Score With These 9 Credit Tips](https://debtwave.org/nine-tips-to-improve-your-credit-score/) - Before we begin talking about how to improve your credit score, you may be wondering what is a credit score? Credit scores reflect credit payment patterns over time with more emphasis on recent information. In other words, your credit score indicates how financially trustworthy a consumer is and how probable it is you'll pay your
- [Try a Weekly Savings Challenge to Save Money Fast](https://debtwave.org/need-to-up-your-savings-game-try-a-savings-challenge/) - If saving more money were simply about moving a larger amount from checking into savings every month, more people would do it. The truth is, it’s not as simple as committing to one simple task, it’s about overcoming the mental hurdles that keep so many of us stuck in a cycle of spending every last
- [Meet Our New Credit Coach](https://debtwave.org/meet-our-credit-score-coach/) - In October 2018, DebtWave Credit Counseling, Inc. welcomed the newest addition to our team: Meet Adriana Sanchez Torres, our new Credit Score Coach. You may have received a call from Adriana already. As DebtWave’s gift to our clients, our team is reaching out to clients who’ve been on our debt management program for at least
- [Maximize Savings by Eliminating Single-Use Items & Goods](https://debtwave.org/maximize-your-savings-by-eliminating-single-use-items/) - When you’re looking to save money, it’s easy to focus on the popular targets (skip that Starbucks habit!) and lose sight of the easy ways to save money. The easy ones are the conveniences we sneak into our daily lives that don’t make things any better, we simply adopted a habit purely accidentally. Convenience is
- [How to Live Without Credit Cards](https://debtwave.org/live-without-credit-cards/) - For a good portion of my early adult life, I battled credit card debt. Several years ago, I wouldn’t have been able to even write that sentence. I would have written and deleted it about ten times. Then I would try to find some way to circumvent the admission and try to talk about credit
- [Is Work-Life Balance Making Your Credit Card Debt Worse?](https://debtwave.org/is-work-life-balance-making-your-credit-card-debt-worse/) - Work-life balance is not a new concept; everyone feels the pull between home and work. In a never-ending quest for the perfect work-life balance, however, we end up hurting ourselves. Let’s look at this issue through the lens of another, seemingly unrelated issue: Scarcity Mindset. When we look at the quest for balance in this
- [Is There Such Thing As Good Debt to Have?](https://debtwave.org/is-there-such-a-thing-as-good-debt/) - If you’re struggling with debt, then you may have been told to pay off your “bad debts” first. Experts disagree, however, on what makes a bad or good debt. Is your worst debt the one with the highest interest rate? Or the one you can pay off fastest? If some debts are “good,” does that mean
- [Is Refinancing Your Home to Pay Off Debt a Smart Move?](https://debtwave.org/is-paying-off-cc-debt-a-good-idea/) - With high fees and often astronomical interest rates, credit card debt can quickly snowball from a minor issue to a major problem within a matter of months. In an attempt to quickly get out from underneath this “bad” debt, some people will take the equity from their home through a refinance and use that money
- [When Is Bankruptcy the Right Choice for Me?](https://debtwave.org/is-bankruptcy-the-right-choice-for-me/) - If you’ve reached a tipping point with your debt and a manageable pay off plan seems completely out of reach, bankruptcy might appear to be the only viable option. And, when compared to the prospect of spending several more years scraping by under debt’s heavy hand, a clean slate might even start to look pretty
- [How Realizing Your Self-Worth Impacts Your Net-Worth](https://debtwave.org/improve-your-net-worth-by-redefining-your-self-worth/) - Recently we shared with you how to calculate your net worth and what the average net worth is based on your age. Now we’d like to focus on your self-worth. You may be wondering what your self-esteem has to do with your finances, but it turns out, our relationship with ourselves can make a huge
- [How Your Credit Score Affects Your Interest Rate](https://debtwave.org/how-your-credit-score-affects-your-interest-rate/) - One reason many people fall deep into credit card debt is not just because they’ve charged more on the card than they can afford to pay off. Sometimes we fall deeper into debt because of the interest that accrues on our outstanding debt. Most of us have experience with interest but know very little about
- [How to Pay off Credit Cards Fast to Improve Credit](https://debtwave.org/how-to-pay-off-credit-cards-fast/) - Paying off credit card debt is a daunting task, but can be done with the right amount of determination. How to Pay Off Credit Cards Fast to Improve Credit Here are five simple steps to help pay off credit card debt on your own: 1. Get Organized Collect all of your credit card statements and
- [How to Cancel a Credit Card Without Damaging Credit Score](https://debtwave.org/how-to-cancel-credit-cards-without-severely-damaging-your-credit-score/) - Many consumers have old credit cards that are no longer useful to them for a myriad of reasons. While it may seem intuitive to simply cancel or close these accounts, especially if the cards impose high annual fees or if a rewards program is no longer beneficial, closing an old account may cause more headaches
- [Should You Pay Off Credit Card Debt Or Student Loans](https://debtwave.org/how-to-balance-paying-off-student-loans-and-credit-card-debt/) - Having tens of thousands of dollars in student loans can be intimidating enough for a new graduate. Add a few thousand dollars in credit card debt and the situation can feel downright complex. If you have both student loans and credit card debt, you’re likely wondering: Should you put the majority of your money toward
- [How to Avoid Bankruptcy (Cut Credit Card Usage Before Chapter 7)](https://debtwave.org/how-to-avoid-bankruptcy-dealing-with-my-credit-cards-on-my-own/) - For many people, obliterating credit card debt with bankruptcy is a smart move. For others, like myself, bankruptcy is something to avoid at all costs. Before turning to credit counseling, bankruptcy hovered on the horizon as a solution to a problem that I could no longer outrun. Only a few years out of college, I
- [How Saving for Retirement is Like Surfing](https://debtwave.org/how-saving-for-retirement-is-like-surfing/) - Whether you live on the shores of Hawaii, or in the mountains of Colorado, you can learn a thing or two about preparing for retirement by observing surfers. That’s right, those bums without a penny to their names can teach you how to prepare for your golden years. How Saving for Retirement is Like Surfing
- [Have Fun This Summer With Cheap & Free Summer Activities](https://debtwave.org/have-summer-fun-but-still-budget/) - Do you ever wonder how you can do all of those fun summer activities and not spend a fortune? With all of the temptation to go out and spend money dining at that new restaurant that just opened, shopping for a new bikini, drinking at your favorite bar, or vacationing to an exotic location, you
- [Retirees Face Unprecedented Levels of Student Loan Debt](https://debtwave.org/guess-what-type-of-debt-retirees-have/) - Do you know what type of debt an overwhelming number of retirees are working to pay off? Can you guess? Well, according to CNBC, retirees today have unprecedented levels of student loan debt and are increasingly becoming more and more unprepared for retirement. According to an analysis of government data by LIMRA Secure Retirement, those
- [Financial Literacy Tools That Can Sharpen Your Money Skills](https://debtwave.org/financial-literacy-tools-that-can-sharpen-your-money-skills/) - Building your financial literacy level probably isn't the sexiest to do on your to-do list. But improving your financial literacy may be the best thing that you do for yourself all year. Anyone can boost their financial literacy with cost-efficient resources, from free online courses to an educational website. Financial Literacy Tools that Can Sharpen
- [Financial Literacy Tips for Active Duty Service-members](https://debtwave.org/financial-literacy-tips-for-active-duty-members/) - Financial education is the first line of defense for active-duty members and their families. There are many things to organize before deployment. Whether you are rapidly deployed or have some time to plan, the following tips will help you and your family: 1. Build an Emergency Savings Fund The fund should contain three to six
- [Why Financial Literacy Is Important For Entrepreneurs](https://debtwave.org/financial-literacy-importance-entrepreneurs/) - Becoming a successful entrepreneur takes more than just a passion for what you’re doing. In fact, it takes a wide range of skills to navigate the treacherous waters of the corporate world without the support of a company to keep you afloat. Some of those skills you pick up as you go (time management, in
- [Does Going to Jail Affect Your Credit Score?](https://debtwave.org/does-jail-affect-credit-score/) - The short answer is that, on face value, going to jail does not necessarily affect your credit. A prison or jail sentence does not show up on your credit report, and no creditor needs to know that you have been sentenced. Many people are surprised to learn that a stay in jail doesn’t affect credit.
- [Financial Depression (Understanding Debt and Depression)](https://debtwave.org/does-credit-card-debt-cause-depression/) - Credit cards can be very beneficial or the exact opposite, especially when you have credit card debt. Credit card debt might actually increase your chances of depression! When you have credit card debt or any debt for that matter, it can put a lot of stress on you. Not only does it cause stress, but
- [Debt-to-Income Ratio for Mortgages (How DTI Affects Home Loans)](https://debtwave.org/debt-impacts-ability-purchase-home/) - Most Americans carry a large amount of debt. In fact, according to USA Today, the average American household owes over $16,000 in credit card debt alone. For many younger families, the weight of student loan debt can become an even greater burden. Unsecured debts tend to carry much higher interest rates than loans secured by
- [Overwhelmed With Debt? (How to Solve Debt Problems)](https://debtwave.org/dealing-debt-overwhelm-know-what-tackle-first/) - Does your debt seem as impossible to tackle as a 225 pound running back? As financially taxing as debt can be, it can be as equally overwhelming emotionally and mentally. So, before you let debt convince you the problem is insurmountable, it’s time to regroup, reorganize, and create a plan of action that will get
- [Store Credit Cards (Dangers of Business Store Credit Cards)](https://debtwave.org/dangers-of-a-balance-on-a-store-branded-credit-card/) - On the surface, store-branded credit cards seem like a great deal. And what's not to like? They often include perks like: free shipping rewards points for merchandise in some cases, exclusive cardholder-only sales. That’s in addition to the 30 percent or so you'll save when you open the card. While it’s easy to see the
- [How Credit Counseling Helped Me Pay Off $12,000 in Debt](https://debtwave.org/credit-counseling-helped-pay-off-12000-credit-card-debt/) - Like many people, my credit card debt snuck up on me as though I was the proverbial frog in slowly boiling water. I never thought it would happen to me - I don’t have extravagant tastes or expensive hobbies and have always lived within my means. Somehow, though, I woke up one day and realized
- [How Credit Counseling Helped Me Pay Off $109,000 in Debt](https://debtwave.org/credit-counseling-helped-pay-off-109000-credit-card-debt-five-years/) - It didn’t happen overnight; it took almost 20 years to accumulate $109,000 in consumer debt and five years of help from a nonprofit credit counseling service to get me out of debt. It started early. As a pre-teen, I remember my mom and dad acquiring their first credit card. For a middle class family it
- [Credit Card Price Protection (Which Exactly Is It?)](https://debtwave.org/credit-card-price-protection/) - How many of you have ever saved up hundreds of dollars – if not thousands – to buy something like a television, only to see the item drop in price just days after you bought the item? Seeing the price drop on a big-ticket item only days or weeks after you’ve bought it and integrated
- [Credit Card Debt Relief Tips for Small Business Owners](https://debtwave.org/credit-card-debt-relief-tips-for-small-business-owners/) - Credit card debt takes a toll on everyone. If you’re a small business owner facing credit card debt, you’ve likely come to find debt impacts every business relationship you have and every business decision you make. Even worse, credit card debt can easily threaten your business’ ability to stay alive. With so much at stake,
- [Debt and Mental Health (Explore Emotional Effects of Debt)](https://debtwave.org/credit-card-debt-impacting-your-mental-health/) - According to a survey from the American Psychological Association, 72 percent of Americans were stressed about the same thing last month: money. In addition, 90 percent haven't seen a decrease in their stress levels despite improvements in the economy. Unfortunately, this type of stress can't be compartmentalized and contained in money-related tasks and discussions. It
- [Veteran Debt Relief (Help for Veterans with Bad Credit)](https://debtwave.org/credit-card-debt-help-veterans-active-duty-military-members/) - In addition to the mental, physical, and emotional struggles veterans and active-duty military members face as a result of their service, many find themselves dealing with an additional financial burden as well. Whether it’s due to juggling financial obligations acquired before joining the military or poor job prospects upon entering civilian life, these money-centered struggles
- [Cash Advance Credit Cards & What You Need to Know](https://debtwave.org/credit-card-cash-advances/) - A cash advance is a service offered by credit card companies. It’s meant to be a convenience, allowing consumers to withdraw cash from an ATM, or over the counter at a bank or other financial institution. The limit of how much money you can withdraw depends on the credit card; it may be up to
- [How to Create a Bill Payment Calendar to Help with Debt Payoff](https://debtwave.org/create-bill-payment-schedule-erase-debt/) - I used to have credit card debt. Even though I was a personal banker at the time, it took me forever to pay off my credit card debt. One reason was the simple fact that I barely earned enough money to survive. Another reason is a culprit that hurt me for a few more years:
- [Financial Glossary (Commonly Used Credit & Debt Terms)](https://debtwave.org/commonly-used-credit-and-financial-terms-defined/) - APR, FICO score, and revolving debt are just a few of the common credit terms. Although these terms are related to personal finance are a part of our everyday vocabulary, many of us are unaware of them. Below you will find a list of the more common terms relating to personal finance. Financial Glossary (Commonly
- [How a Woman Makes Money Selling Debt-Free Charts & Pictures](https://debtwave.org/coloring-away-debt-how-one-woman-inspires-progress-through-art/) - Depending on how long you’ve been part of the Debt Free Community you may have come across debt free charts. Designed by Heidi Nash of DebtFreeCharts.com, these colorful illustrations are a way to track your debt payoff progress or monitor your savings goals progress. DebtWave Credit Counseling Inc. recently caught up with Nash, whose goal
- [Choncé Maddox: My Debt Epiphany](https://debtwave.org/chonce-maddox-my-debt-epiphany/) - In 2013, Choncé Maddox hit her financial low-point. A single mom, Maddox was living in a low-income, one-bedroom apartment outside of Chicago. Though she received some government assistance, Maddox was struggling to make ends meet, let alone pay off debt. “My lowest point financially was when I had to search on the ground in the
- [Free and Cheap Date Ideas for When You're on a Budget](https://debtwave.org/cheap-free-date-ideas/) - Sometimes it can feel like we have to spend money to have a social life – especially when it comes to romance. We want to keep our partner interested, invested and happy in our relationship, but at what expense? Differences in how money is handled (saved, spent, invested, gifted, etc.) is one of the top
- [Can You Go to Jail for Not Paying Credit Card Debt?](https://debtwave.org/can-i-go-to-jail-for-having-unpaid-credit-card-debt/) - The U.S. Congress abolished debtors’ prisons in 1833. What this meant was that an individual could no longer be imprisoned for failing to pay a “civil debt” like a credit card, payday loans, student loans, utility bills or a medical bill. However, a February 2018 report from the American Civil Liberties Union (ACLU) found debt
- [How Much Income is Needed to Buy a Home in San Diego?](https://debtwave.org/can-i-afford-to-buy-a-home-in-san-diego/) - On Friday, Oct. 5, 2018, the San Diego Financial Literacy Center (SDFLC) held a free education luncheon in which members of the public were invited to spend their lunch hour listening to a panel of experts discuss the cost of housing in San Diego. Moderated by the SDFLC’s Community Outreach Director Chase Peckham, the panelists
- [Cheap Home Upgrades & Updates That Increase Home Value](https://debtwave.org/budget-friendly-home-upgrades/) - For those that own a home, you know it’s commonly one of the biggest investments in a portfolio. But not all of us treat it this way. Before deciding what to upgrade next, consider how it will increase the value of your home. To help you get in the habit, we measured a handful of
- [Business vs Personal Credit (How to Keep Them Separate)](https://debtwave.org/boundaries-between-personal-and-business-finances/) - Establishing boundaries between your personal finances and your business finances is important for any entrepreneur. While you may have invested a portion of your personal finances to start your business, it is important to keep your finances separate now that your business is in full operation. Create financial boundaries at the start of your business
- [Boost For Our Heroes: Maldonado Family](https://debtwave.org/boost-for-our-heroes-maldonado-family/) - Each quarter, DebtWave’s outreach group, the San Diego Financial Literacy Center, hosts a financial assistance and education program geared toward active, transitioning, and veteran military members. At the conclusion of each quarterly event, the SDFLC awards a military member with $3,000. These are their stories. In 1977, Mr. Maldonado joined the U.S. Marine Corps. While serving,

## Pages

- [Debt Wave: Jumpstart Your Debt Free Journey and Eliminate Stress](https://debtwave.org/) - Our Debt Counselors Focus on Providing Credit Counseling and Debt Relief by Reducing Interest Rates & Reducing Monthly Payments thru a Debt Management Program
- [Privacy Policy](https://debtwave.org/privacy-policy/) - When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
- [Get Your Debt Management Program Started Online](https://debtwave.org/what-we-do/get-your-debt-management-program-started-online/) - A debt management program is a practical way to reduce interest rates on your credit card debt. See your DMP benefits online without making a phone call.
- [Credit Counseling for Virginia Residents](https://debtwave.org/state-licenses/virginia/) - The average Virginia household owes about $7,867 in credit card debt. DebtWave is Licensed to provide Debt Management and Credit Card Debt Relief.
- [Estimate Your New Debt Payment and Savings](https://debtwave.org/calculators/new-payment-estimator-dmp/) - Curious to know how a Debt Management Program works? Enter your creditor information and find out your estimated payment, interest rates and monthly savings
- [Terms & Conditions](https://debtwave.org/terms-conditions-3/) - Terms & Services # SMS Terms & Conditions Last Updated: [Update Date] These SMS Terms & Conditions apply to text messages sent by DebtWave Credit Counseling, Inc. (“DebtWave,” “we,” “our,” or “us”). By opting in to receive text messages from DebtWave, you agree to these SMS Terms & Conditions. ## 1. Program Description DebtWave may
- [Get Help With Credit Card Debt Today](https://debtwave.org/get-help-with-credit-card-debt-today/) - Credit Card Debt Got You Stressed? DebtWave can help. Let our Debt Management Program alleviate stress by reducing your monthly payment and interest rates.
- [Unlock the Power of Financial Freedom: Get Started Online](https://debtwave.org/start-your-journey-to-financial-freedom-online/) - Get started online to figure out your best way to financial freedom. Payoff your debt, lower your interest rates and begin your debt free journey.
- [Start Your Debt Free Journey: My Ed Discount](https://debtwave.org/start-your-debt-free-journey-med/) - Get started online to figure out what your best options are to help payoff your credit card debt, lower your interest rates and begin your debt free journey.
- [Start Your Debt Free Journey Program Graduate](https://debtwave.org/start-your-debt-free-journey-returning-client/) - Get started online to figure out what your best options are to help payoff your credit card debt, lower your interest rates and begin your debt free journey.
- [Start Your Journey to Financial Freedom Online Social Media](https://debtwave.org/start-your-journey-to-financial-freedom-online-2/) - Get started online to figure out what your best options are to help payoff your debt, lower your interest rates and begin your debt free journey.
- [Contact](https://debtwave.org/contact-debtwave/) - Contact us. Call today to talk to a certified credit counselor and start attacking your credit card debt. Get lower interest rates and lower monthly payments.
- [Estimate Your New Debt Payment and Savings](https://debtwave.org/calculators/estimate-your-new-debt-payment-and-savings/) - Curious to know how a Debt Management Program works? Enter your creditor information and find out your estimated payment, interest rates and monthly savings
- [Estimate Your New Debt Payment and Savings](https://debtwave.org/calculators/estimate-your-new-debt-payment-ppc/) - Curious to know how a Debt Management Program works? Enter your creditor information and find out your estimated payment, interest rates and monthly savings
- [Start Your Debt Free Journey](https://debtwave.org/debt-free-journey/) - Get started online to figure out what your best options are to help payoff your credit card debt, lower your interest rates and begin your debt free journey.
- [New client portal](https://debtwave.org/new-client-portal/) - Online access is unavailable due to planned maintenance as we are migrating to a new software. We expect our client portal to be available by Tuesday April 28. At that time, we will be emailing a new username and password to you. Thank you for your understanding!
- [CSS Form Lead Input Only](https://debtwave.org/css-form-lead-input-only/) - Contact Us "*" indicates required fields Step 1 of 4 25% Tell Us About Your DebtWhat Type of Debt do you need help with?* Credit Cards Unsecured Personal Loans Collections Student Loans Taxes Mortgage Home Equity Loan Vehicle Loan Pay Day Loans Other What would you say is your number one goal?* Consolidate to One
- [Terms & Conditions](https://debtwave.org/terms-conditions-2/) - Terms & Services Last Updated: 3/20/2026 These Short Code Terms of Service (“Short Code Terms”) govern participation in the DebtWave Credit Counseling SMS messaging program. By opting in to receive SMS messages from DebtWave Credit Counseling (“DebtWave”, “we”, “our”, or “us”), you agree to these Terms. 1. Program Description DebtWave offers SMS messaging programs to
- [CSS Form](https://debtwave.org/css-form/)
- [Credit Counseling Debt Management FAQs](https://debtwave.org/credit-counseling-debt-management-faqs/) - Debt Management Programs are a great way to pay back your credit card debt. How will it affect your credit? Are there tax implications? What are the fees?
- [Start Your Debt Free Journey BWCR](https://debtwave.org/start-your-debt-free-journey-bwcr/) - Get started online to figure out what your best options are to help payoff your credit card debt, lower your interest rates and begin your debt free journey.
- [California Credit Card Debt Relief & Debt Consolidation Options](https://debtwave.org/state-licenses/california-debt-relief/) - California Debt Relief Plans can help. 🌴California is one of the most expensive states in the country making it easy to rack up credit card debt.
- [Credit Card Debt Forgiveness: Understanding the Consequences](https://debtwave.org/credit-card-debt-forgiveness/) - Debt forgiveness is when a credit card company cancels a portion of your debt. It may sound appealing but like a rose, there are several thorns in the process.
- [Smart With Your Money Financial Education Program](https://debtwave.org/financial-education-course/) - Smart With Your Money Step 1 of 21 4% IntroductionThe Smart With Your Money (SWYM) Program is a beginner’s guide to financial literacy. Our course provides financial education on the following topics: Building Wealth Defining Assets & Liabilities Understanding the Importance of Net Worth Managing Debt How to set a budget Setting Financial Goals And
- [Create Your Own Debt Management Plan in Six Easy Steps](https://debtwave.org/create-your-own-debt-plan/) - Do It Yourself Debt Management Plan. Add up your total debt, make a budget, increase your payment, pick a payoff strategy, stop using your credit cards and more
- [Budget Calculator](https://debtwave.org/budget-calculator/)
- [Start Your Debt Free Journey: Next Door](https://debtwave.org/start-your-debt-free-journey-next-door/) - Get started online to figure out what your best options are to help payoff your credit card debt, lower your interest rates and begin your debt free journey.
- [How to Calculate Your Net Worth & Increase Wealth](https://debtwave.org/calculators/calculate-your-net-worth/) - Find out the most important number when it comes to your financial health. Improve your Net Worth! Use our quick calculator for fast results.
- [Calculate Your New Debt Payment and Savings](https://debtwave.org/calculators/new-payment-estimator/) - Enter your creditor information and find out your estimated payment, interest rates and monthly savings. Add Accounts to Your Debt Management Program.
- [Best and Quickest Ways to Demolish Credit Card Debt](https://debtwave.org/what-we-do/debt-management-program/) - A debt management program is a practical way to reduce interest rates on your credit card debt. One low monthly payment helps you become debt free in 3-5 years.
- [Start Your Debt Free Journey Client Referral](https://debtwave.org/start-your-debt-free-journey-client-referral/) - Get started online to figure out what your best options are to help payoff your credit card debt, lower your interest rates and begin your debt free journey.
- [Referral Partners](https://debtwave.org/referrals-partners/) - As a nonprofit agency, DebtWave does not have any affiliates or partners. However, DebtWave may refer clients to third party companies for additional services
- [Financial Education](https://debtwave.org/financial-education/) - DebtWave, DBA the San Diego Financial Literacy Center, is proud to offer free financial education materials to help consumers improve their financial literacy
- [Our Partners](https://debtwave.org/debtwave-our-partners/) - Learn about our trusted partners who support our mission to provide reliable, nationwide debt relief and financial wellness solutions.
- [Our Partners](https://debtwave.org/our-partners/) - Learn about our trusted partners who support our mission to provide reliable, nationwide debt relief and financial wellness solutions.
- [Estimate Your Navy Federal Debt Payment and Savings on DMP](https://debtwave.org/calculators/estimate-your-navy-federal-debt-payment-and-savings-on-dmp/) - Curious to know how a Debt Management Program works? Enter your creditor information and find out your estimated payment, interest rates and monthly savings
- [Bankruptcy Counseling](https://debtwave.org/bankruptcy/) - Before and after filing for bankruptcy, individuals are required to complete a bankruptcy counseling session with a certified credit counselor.
- [Calculate The Best Way to Knockout Your Credit Card Debt](https://debtwave.org/calculators/payoff-period-calculator/) - Use this free credit card payoff calculator to estimate how long it will take to payoff your debt. Is a fixed payment or minimum payment best for you
- [Unsubscribe](https://debtwave.org/unsubscribe/) - Unsubscribe from future emails I wish to opt out of email communication from DebtWave Credit Counseling, Inc.
- [Credit Counseling for Connecticut Residents](https://debtwave.org/state-licenses/connecticut/) - Connecticut residents owe an average of $7,304 in credit card debt. DebtWave is licensed to provide Debt Management Relief. Free Credit Counseling. Lower APR.
- [Credit Counseling for New Hampshire Residents](https://debtwave.org/state-licenses/new-hampshire-2/) - The average New Hampshire household owes $6,838 in credit card debt. DebtWave is Licensed to provide Debt Management and Credit Card Debt Relief.
- [Credit Card Consolidation: Beginner's Guide](https://debtwave.org/debt-consolidation/) - What is Credit Card Consolidation? It can refer to one of four options including Debt Consolidation Loan, Balance Transfer, Credit Counseling or Debt Settlement
- [Debt Consolidation for Nebraska Residents](https://debtwave.org/state-licenses/nebraska-2/) - The average household in Nebraska owes $6,180 in credit card debt. DebtWave is Licensed to provide Debt Management and Credit Card Debt Relief.
- [Financial Wellness Program for San Diego Employers](https://debtwave.org/financial-wellness-program/) - Financial Education, Advice and Programs to Help Reduce Stress and Increase Productivity in the Workplace. A Program for Employees to Offer to Their Staff
- [Boost Your Financial Health with Expert Credit Coaching](https://debtwave.org/credit-coaching/) - Learn how to sharpen your credit score with our one on one coaching. Improve your chances of getting a loan and obtaining the best interest rates
- [Proven Expertise, Unwavering Trust: Credentials in Counseling](https://debtwave.org/credentials/) - Credentials establish trust. DebtWave is accredited, certified, licensed and registered by various 3rd party organizations ensuring we deliver quality.
- [How to Obtain Lower Interest Rates & Payments](https://debtwave.org/what-we-do/credit-counseling-sessions/) - Discover ways to lower your interest rates on your credit card debt. Free counseling sessions. Payoff your debt in 3-5 year through a debt management program.
- [Calculate The Best Way to Knockout Your Debt](https://debtwave.org/credit-card-debt-payoff-calculator/) - Paying off debt is no walk in the park. Calculate your credit card payoff timeframe. Understand how much is going toward interest and principal. Get motivated.
- [Calculate The Best Way to Knockout Your Debt](https://debtwave.org/calculate-the-best-way-to-knockout-your-debt/) - Paying off credit card debt is no walk in the park. Calculate your payoff timeframe. Understand how much is going toward interest and principal. Get motivated.
- [Credit Counseling for South Carolina Residents](https://debtwave.org/state-licenses/south-carolina-2/) - The average debt in South Carolina is low despite high poverty levels. DebtWave is Licensed to provide Debt Management and Credit Card Debt Relief.
- [Introducing Our Staff: The Dream Team](https://debtwave.org/about-our-team/) - Meet Our Team. DebtWave Credit Counseling, Inc. is considered one of the top counseling agencies in the nation based on the quality of our customer service.
- [Spending Quiz Results](https://debtwave.org/success/thank-you-spending-quiz/) - Take our Spending Quiz to determine your financial health and potentially harmful spending behaviors.
- [Smart With Your Money LIVE](https://debtwave.org/financial-education/smart-with-your-money-live/) - Free financial education videos to help increase your financial health. The San Diego Financial Literacy Center covers various topics on personal finance.
- [Debt To Income Ratio Calculator Results](https://debtwave.org/success/thank-you-debt-to-income-ratio-calculator/) - Your Debt to Income Ratio is used to determine how much of your monthly income goes toward debt payments. Find out your ratio and what lenders want to see.
- [Debt Quiz Results](https://debtwave.org/success/thank-you-debt-quiz/) - Take our Debt Quiz about your behavior toward using credit cards and dealing with the debt that comes from it. See you score and learn what it means.
- [Success](https://debtwave.org/success/) - Success page for form results
- [Spending Quiz](https://debtwave.org/spending-habits-quiz/) - Are you more of a spender or a saver? Answer the 12 questions below about your spending habits to get a score regarding your financial health.
- [Share Your Story on Social Media](https://debtwave.org/share-your-story-on-social-media/) - Interested in Sharing Your Debt Payoff Success Story on Social Media? Help Others with Burdensome High-Interest Credit Card Debt Know Help is One Call Away
- [Seminars & Events](https://debtwave.org/seminars-events/) - The San Diego Financial Literacy Center (SDFLC) offers free education seminars to the community. Contact us to schedule a visit to your school or organization.
- [Debt to Income Ratio Calculator](https://debtwave.org/calculators/debt-to-income-ratio-calculator/) - Your Debt to Income Ratio illustrates how much of your monthly income goes toward paying off debt and other monthly financial obligations.
- [Credit Card Minimum Payments Results](https://debtwave.org/success/thank-you-payoff-period-calculator-with-wages/) - Find out how many hours it takes to work in order to pay your minimum payments.
- [Credit Counseling for Arizona Residents](https://debtwave.org/state-licenses/arizona/) - Healthcare, housing, and travel expenses are three big expenses Arizona residents say led to an increase in household credit card debt throughout the state.
- [Schedule a Preliminary Credit Counseling Appointment](https://debtwave.org/schedule-call-debtwave/) - Book a preliminary credit counseling appointment today with our counselors. Take the first step on your journey to financial freedom. Schedule it today!
- [San Diego Financial Literacy Center](https://debtwave.org/san-diego-financial-literacy-center/) - Increase your financial literacy with the help of SDFLC. Community outreach in San Diego that helps with youth, military, and low-to-moderate income families.
- [Not Found 404 Page](https://debtwave.org/not-found-404-page/) - For some season, we can't find that page on this website
- [Payoff Period Calculator Results](https://debtwave.org/payoff-period-calculator-thank-you/) - Take a look at your payoff results. Understand how much you are paying in interest and how long it will take to payoff your credit card debt.
- [Financial Education Programs to Improve Financial Literacy](https://debtwave.org/financial-education-program/) - Financial Education is key component to becoming debt free and staying debt free. Get the free tools you need to build financial wealth.
- [Debtwave Financial Education Test](https://debtwave.org/debtwave-financial-education-test/) - Improve Your Financial Health. Take our Financial Education Test. Complete our financial literacy workbook. Find ways to pay off debt and improve your credit.
- [Boost for Our Heroes](https://debtwave.org/boost-for-our-heroes/) - Boost for our Heroes is a financial assistance and education program that benefits active, transitioning, and veteran military members and their families.
- [Employee Exit Survey](https://debtwave.org/employee-exit-survey/) - Employee Job Survey. The exit survey is used to help make DebtWave a better place to work. We would love to hear more on how we can improve.
- [How Are We Doing? | DebtWave Survey](https://debtwave.org/dmp-survey/) - Take our quick survey. Providing great customer service is very important to us. Please take five minutes and let us know how we are doing.
- [Get Help](https://debtwave.org/get-help/) - Contact us for help with your credit card debt. Call or email us for support. Find out our office hours and location.
- [Talk Wealth To Me Podcast](https://debtwave.org/talk-wealth-to-me-podcast/) - The goal of the podcast is to create a safe-space where consumers can have their questions regarding anything and everything related to personal finance.
- [Attack Debt and Eliminate Stress with Easy Biweekly Plan](https://debtwave.org/what-we-do/accelerated-payment-plan/) - The Power of a Biweekly Payment Plan. How to Payoff Your Mortgage, Car Loans and Other Installment Loans Quicker. Pay Less Interest Over Time
- [How to eliminate credit card debt forever](https://debtwave.org/what-we-do/) - Credit Card Debt is embarrassing, draining, stressful, and can lead to depression and strained relationships. Find a debt management plan that fits your budget.
- [Calculate Your Net Worth DWPPC](https://debtwave.org/calculators/calculate-your-net-worth-dwppc/) - Improve your Net Worth! Find out the most important number when it comes to your financial health. Keep track of yours every month for the most success.
- [Credit Counseling for Wyoming Residents](https://debtwave.org/state-licenses/wyoming-2/) - Wyoming has the second largest amount of credit card debt in the U.S. DebtWave is Licensed to provide Debt Management and Credit Card Debt Relief.
- [Credit Counseling for Wisconsin Residents](https://debtwave.org/state-licenses/wisconsin-2/) - The average Wisconsin household owes about $6,484 in credit card debt. DebtWave is Licensed to provide Debt Management and Credit Card Debt Relief.
- [Credit Counseling for West Virginia Residents](https://debtwave.org/state-licenses/west-virginia-2/) - The average West Virginia household owes about $7,090 in credit card debt. DebtWave provides Debt Management and Credit Card Debt Relief.
- [Credit Counseling for Washington, D.C. Residents](https://debtwave.org/state-licenses/washington-d-c/) - The average Washington DC resident owes about $8,291 in credit card debt. DebtWave is Licensed to provide Debt Management and Credit Card Debt Relief.
- [Credit Counseling for Washington Residents](https://debtwave.org/state-licenses/washington/) - The average household in Washington owes about $8,108 in credit card debt. DebtWave is Licensed to provide Debt Management and Credit Card Debt Relief.
- [Credit Counseling for Vermont Residents](https://debtwave.org/state-licenses/vermont-2/) - The average Vermont household owes about $6,545 in credit card debt. DebtWave is Licensed to provide Debt Management and Credit Card Debt Relief.
- [Credit Counseling for Utah Residents](https://debtwave.org/state-licenses/utah-2/) - Utah has the third highest average credit card debt per household. DebtWave is Licensed to provide Debt Management and Credit Card Debt Relief.
- [Credit Counseling for Texas Residents](https://debtwave.org/state-licenses/texas/) - Everything is better in Texas - even credit card debt. The average household has $7,692. DebtWave is Licensed to provide Debt Management and Credit Card Relief.
- [Credit Counseling for Tennessee Residents](https://debtwave.org/state-licenses/tennessee-2/) - The average Tennessee household owes about $6,217 in credit card debt. DebtWave is Licensed to provide Debt Management and Credit Card Debt Relief.
- [Credit Counseling for South Dakota Residents](https://debtwave.org/state-licenses/south-dakota/) - The average South Dakota household owes about $7,362 in credit card debt. DebtWave is Licensed to provide Debt Management and Credit Card Debt Relief.
- [Credit Counseling for Rhode Island Residents](https://debtwave.org/state-licenses/rhode-island-2/) - The average Rhode Island household owes about $6,104 in credit card debt. DebtWave is Licensed to provide Debt Management and Credit Card Debt Relief.
- [Credit Counseling for Pennsylvania Residents](https://debtwave.org/state-licenses/pennsylvania-2/) - The average Pennsylvania household owes about $6,065 in credit card debt. DebtWave is Licensed to provide Debt Management and Credit Card Debt Relief.
- [Credit Counseling for Oregon Residents](https://debtwave.org/state-licenses/oregon-2/) - The average household in Oregon owes about $8,619 in credit card debt. DebtWave is Licensed to provide Debt Management and Credit Card Debt Relief.
- [Credit Counseling for Oklahoma Residents](https://debtwave.org/state-licenses/oklahoma-2/) - The average Oklahoma household owes about $8,059 in credit card debt. DebtWave is Licensed to provide Debt Management and Credit Card Debt Relief.
- [Credit Counseling for Ohio Residents](https://debtwave.org/state-licenses/ohio-2/) - Ohio is one of the most affordable states with low credit card debt amounts. DebtWave is Licensed to provide Debt Management and Credit Card Debt Relief.
- [Credit Counseling for North Dakota Residents](https://debtwave.org/state-licenses/north-dakota-2/) - The average household in North Dakota has close to $8,500 in credit card debt. DebtWave is Licensed to provide Debt Management and Credit Card Debt Relief.
- [Credit Counseling for North Carolina Residents](https://debtwave.org/state-licenses/north-carolina/) - The average North Carolina household owes about $7,225 in credit card debt. DebtWave is Licensed to provide Debt Management and Credit Card Debt Relief.
- [Credit Counseling for New Mexico Residents](https://debtwave.org/state-licenses/new-mexico-2/) - The average household in New Mexico owes about nearly $8,000 in credit card debt. DebtWave is Licensed to provide Debt Management and Credit Card Debt Relief.
- [Credit Counseling for New Jersey Residents](https://debtwave.org/state-licenses/new-jersey-2/) - The average household in New Jersey has nearly $10,000 in credit card debt. DebtWave is Licensed to provide Debt Management and Credit Card Debt Relief.
- [Credit Counseling for Nevada Residents](https://debtwave.org/state-licenses/nevada/) - The average household in Nevada owes about $7,871 in credit card debt. DebtWave is Licensed to provide Debt Management and Credit Card Debt Relief.
- [Credit Counseling for Montana Residents](https://debtwave.org/state-licenses/montana-2/) - Montana is in the top 5 of states with highest credit card debt. DebtWave is Licensed to provide Debt Management and Credit Card Debt Relief.
- [Credit Counseling for Missouri Residents](https://debtwave.org/state-licenses/missouri-2/) - The average household in Missouri owes about $6,491 in credit card debt. DebtWave is Licensed to provide Debt Management and Credit Card Debt Relief.
- [Credit Counseling for Mississippi Residents](https://debtwave.org/state-licenses/mississippi/) - Mississippi has high rates of unemployment and a low per capita income rate. DebtWave is Licensed to provide Debt Management and Credit Card Relief.
- [Credit Counseling for Minnesota Residents](https://debtwave.org/state-licenses/minnesota/) - The average Minnesotan household owes about $6,761 in credit card debt. DebtWave is Licensed to provide Debt Management and Credit Card Relief.
- [Credit Counseling for Michigan Residents](https://debtwave.org/state-licenses/michigan/) - Michigan is actually on the lower end of the debt spectrum with Detroit ranking in the top 4 percent of cities with the least amount of credit card debt.
- [Credit Counseling for Massachusetts Residents](https://debtwave.org/state-licenses/massachusetts/) - Many Massachusetts residents struggle with Credit Card Debt. DebtWave is Licensed to provide Debt Management and Credit Card Relief. Find out how to lower APRs
- [Credit Counseling for Maine Residents](https://debtwave.org/state-licenses/maine/) - While residents in the Pine Tree state are more likely to buy a home compared to residents in just about every other state, many Mainers still struggle with credit card debt.
- [Credit Counseling for Louisiana Residents](https://debtwave.org/state-licenses/louisiana/) - The average household in Louisiana has about $7,260 worth of credit card debt. DebtWave is Licensed to provide Debt Management and Credit Card Relief.
- [Credit Counseling for Kentucky Residents](https://debtwave.org/state-licenses/kentucky/) - Despite having a variety of successful industries operating in the state, many Kentuckians still struggle with credit card debt.
- [Credit Counseling for Iowa Residents](https://debtwave.org/state-licenses/iowa/) - The economy gets a boost from Iowa companies like 3M, ConAgra, and Heinz, but many households still struggle with credit card debt. Credit Card Relief.
- [Credit Counseling for Indiana Residents](https://debtwave.org/state-licenses/indiana-3/) - The average household in Indiana owes $6,958 to their creditors.
- [Credit Counseling for Illinois Residents](https://debtwave.org/state-licenses/illinois/) - The Windy City, Chicago, increases average credit card debt per household in Illinois. DebtWave is Licensed to provide Debt Management and Credit Card Relief.
- [Credit Counseling for Hawaii Residents](https://debtwave.org/state-licenses/hawaii/) - The average household in Hawaii owes $8,315 in credit card debt. DebtWave is Licensed to provide Debt Management and Credit Card Relief.
- [Credit Counseling for Georgia Residents](https://debtwave.org/state-licenses/georgia/) - Many Georgia resident find themselves drowning in credit card debt. The average household owes $7,090. DebtWave provides Debt Management and Credit Card Relief.
- [Credit Counseling for Florida Residents](https://debtwave.org/state-licenses/florida/) - Florida is home to four of the top 25 American cities with the most credit card debt. DebtWave is registered to provide Debt Management and Credit Card Relief.
- [Credit Counseling for Delaware Residents](https://debtwave.org/state-licenses/delaware/) - The average household in Delaware has about $7,158 in credit card debt. DebtWave is Licensed to provide Debt Management and Credit Card Relief.
- [Credit Counseling for Colorado Residents](https://debtwave.org/state-licenses/colorado/) - With a broad economy based on natural resources, technology, and agriculture, Colorado is consistently recognized as one of the best states for businesses.
- [State Licenses](https://debtwave.org/state-licenses/) - DebtWave Credit Counseling, Inc. is licensed and approved to provide debt management and consumer credit counseling services in 46 states, plus Washington, DC.
- [Credit Card Minimum Payments Calculator](https://debtwave.org/minimum-payments-calculator/) - Enter your total credit card debt, total monthly combined payments, the average interest rate for all of your credit cards, and your hourly wage. Calculator
- [Credit Card Debt Quiz](https://debtwave.org/credit-card-debt-quiz/) - Take our quiz about your credit card debt to find out how your debt situation compares to the average American. Discover ways to make improvements.
- [Credit Counseling for Arkansas Residents](https://debtwave.org/state-licenses/arkansas/) - While Arkansans are typically more conservative spenders than those living in neighboring states, Arkansas resident also typically earn a lower wage
- [Credit Counseling for Alaska Residents](https://debtwave.org/state-licenses/alaska/) - The average household in Alaska owes $13,048 in credit card debt. Credit Counseling and Debt Management Programs available to residents in the Frontier State.
- [Credit Counseling for Alabama Residents](https://debtwave.org/state-licenses/alabama/) - While Alabama has one of the strongest financial education programs in the country, many Alabamians still struggle with debt.
- [Calculators](https://debtwave.org/calculators/) - Find out how much you are paying in interest, your payoff date and discover ways to become debt free sooner.

## Accordions

- [Sofi Debt Relief Hardship Program](https://debtwave.org/accordions/carecredit-card-debt-relief-hardship-program-2-2-3-3/)
- [Nordstrom Credit Card Hardship Program](https://debtwave.org/accordions/citibank-credit-card-debt-relief-4-3-2-2/)
- [Best Buy Credit Card Hardship Program](https://debtwave.org/accordions/citibank-credit-card-debt-relief-4-3-2-2-2/)
- [Kohls Credit Card Hardship Program](https://debtwave.org/accordions/citibank-credit-card-debt-relief-4-3-2/)
- [Target Credit Card Debt Relief](https://debtwave.org/accordions/citibank-credit-card-debt-relief-4-3/)
- [How does interest work on credit cards](https://debtwave.org/accordions/citibank-credit-card-debt-relief-5-2/)
- [Home Depot Credit Card Debt Relief](https://debtwave.org/accordions/citibank-credit-card-debt-relief-5/)
- [How to negotiate lower APRs](https://debtwave.org/accordions/citibank-credit-card-debt-relief-4-2/)
- [California Credit Card Debt Relief](https://debtwave.org/accordions/citibank-credit-card-debt-relief-3-2-2-2-2-2/)
- [Macy's Credit Card Debt Relief](https://debtwave.org/accordions/citibank-credit-card-debt-relief-4/)
- [Merrick Bank Debt Relief Hardship Program](https://debtwave.org/accordions/carecredit-card-debt-relief-hardship-program-2-2-3-2/)
- [Frequently Asked Questions](https://debtwave.org/accordions/892645/) - Answers to most of the frequently asked questions we have been during counseling sessions since 2002. Understand our debt management program prior to enrolling
- [Avant Debt Relief Hardship Program](https://debtwave.org/accordions/carecredit-card-debt-relief-hardship-program-2-2-3/)
- [Debt Management Plan](https://debtwave.org/accordions/carecredit-card-debt-relief-hardship-program-2-2-2/)
- [Navy Federal Credit Union Credit Card Debt Relief](https://debtwave.org/accordions/citibank-credit-card-debt-relief-3-2-2-2-2-3/)
- [OneMain Debt Relief Hardship Program](https://debtwave.org/accordions/carecredit-card-debt-relief-hardship-program-2-2/)
- [Best Egg Debt Relief Hardship Program](https://debtwave.org/accordions/carecredit-card-debt-relief-hardship-program-2/)
- [CareCredit Card Debt Relief Hardship Program](https://debtwave.org/accordions/carecredit-card-debt-relief-hardship-program/)
- [US Bank Credit Card Debt Relief for Hardships](https://debtwave.org/accordions/citibank-credit-card-debt-relief-3-2-2-2-2-3-2-2-2/)
- [USAA Credit Card Debt Relief for Hardships](https://debtwave.org/accordions/citibank-credit-card-debt-relief-3-2-2-2-2-3-2/)
- [Barclays Credit Card Debt Relief for Hardships](https://debtwave.org/accordions/citibank-credit-card-debt-relief-3-2-2-2-2-3-2-2/)
- [Wells Fargo Bank Credit Card Debt Relief](https://debtwave.org/accordions/citibank-credit-card-debt-relief-3-2-2-2-2/)
- [Capital One Credit Card Debt Relief](https://debtwave.org/accordions/citibank-credit-card-debt-relief-3/)
- [Credit One Bank Credit Card Debt Relief](https://debtwave.org/accordions/citibank-credit-card-debt-relief-3-2-2-2/)
- [Comenity Bank Credit Card Debt Relief](https://debtwave.org/accordions/citibank-credit-card-debt-relief-3-2-2/)
- [Synchrony Credit Card Debt Relief](https://debtwave.org/accordions/citibank-credit-card-debt-relief-3-2/)
- [Debt Management Program Benefits](https://debtwave.org/accordions/citibank-credit-card-debt-relief-2-2-3-2/)
- [Bank of America Credit Card Debt Relief](https://debtwave.org/accordions/citibank-credit-card-debt-relief-2-2-3/)
- [Bankruptcy](https://debtwave.org/accordions/citibank-credit-card-debt-relief-2-2-2/)
- [Citibank Credit Card Debt Relief](https://debtwave.org/accordions/citibank-credit-card-debt-relief/)
- [Discover Credit Card Debt Relief](https://debtwave.org/accordions/citibank-credit-card-debt-relief-2-2/)
- [American Express Credit Card Debt Relief](https://debtwave.org/accordions/citibank-credit-card-debt-relief-2/)
- [Chase Credit Card Debt Relief](https://debtwave.org/accordions/credit-counseling-2-2/)
- [Credit Card Debt Forgiveness](https://debtwave.org/accordions/credit-counseling-2/)
- [Credit Card Consolidation](https://debtwave.org/accordions/credit-counseling-3-2/)
- [Credit Counseling](https://debtwave.org/accordions/credit-counseling/)
- [Credit Counseling ALL](https://debtwave.org/accordions/credit-counseling-3/)

## Tags

- [affordable camps](https://debtwave.org/tag/affordable-camps/)
- [affordable housing](https://debtwave.org/tag/affordable-housing/)
- [affordable housing San Diego](https://debtwave.org/tag/affordable-housing-san-diego/)
- [affordable summer camps](https://debtwave.org/tag/affordable-summer-camps/)
- [Al Lejarde](https://debtwave.org/tag/al-lejarde/)
- [Annual Percentage Rate](https://debtwave.org/tag/annual-percentage-rate/)
- [APR](https://debtwave.org/tag/apr/)
- [arrested for debt](https://debtwave.org/tag/arrested-for-debt/)
- [auto loan credit cards](https://debtwave.org/tag/auto-loan-credit-cards/)
- [bankrupt credit card debt](https://debtwave.org/tag/bankrupt-credit-card-debt/)
- [biweekly pay](https://debtwave.org/tag/biweekly-pay/)
- [Blue Monday](https://debtwave.org/tag/blue-monday/)
- [Boost for Our Heroes](https://debtwave.org/tag/boost-for-our-heroes/)
- [Boost Our Heroes](https://debtwave.org/tag/boost-our-heroes/)
- [Brian Brandow](https://debtwave.org/tag/brian-brandow/)
- [budget](https://debtwave.org/tag/budget/)
- [budget challenge](https://debtwave.org/tag/budget-challenge/)
- [budget fashion](https://debtwave.org/tag/budget-fashion/)
- [budget remodeling](https://debtwave.org/tag/budget-remodeling/)
- [budget-friendly fashion](https://debtwave.org/tag/budget-friendly-fashion/)
- [business finances](https://debtwave.org/tag/business-finances/)
- [car payment tips](https://debtwave.org/tag/car-payment-tips/)
- [car repair budget](https://debtwave.org/tag/car-repair-budget/)
- [cash advance](https://debtwave.org/tag/cash-advance/)
- [cash not accepted](https://debtwave.org/tag/cash-not-accepted/)
- [cash payments](https://debtwave.org/tag/cash-payments/)
- [cashless transaction](https://debtwave.org/tag/cashless-transaction/)
- [Chonce Maddox](https://debtwave.org/tag/chonce-maddox/)
- [clothing budget tips](https://debtwave.org/tag/clothing-budget-tips/)
- [collections account](https://debtwave.org/tag/collections-account/)
- [collections errors](https://debtwave.org/tag/collections-errors/)
- [Consumer Debt Help](https://debtwave.org/tag/consumer-debt-help/)
- [cosign](https://debtwave.org/tag/cosign/)
- [cosign loan](https://debtwave.org/tag/cosign-loan/)
- [cosigner](https://debtwave.org/tag/cosigner/)
- [credit card addiction](https://debtwave.org/tag/credit-card-addiction/)
- [credit card debt](https://debtwave.org/tag/credit-card-debt/)
- [credit card price protection](https://debtwave.org/tag/credit-card-price-protection/)
- [credit cards](https://debtwave.org/tag/credit-cards/)
- [credit cards to buy car](https://debtwave.org/tag/credit-cards-to-buy-car/)
- [credit counseling](https://debtwave.org/tag/credit-counseling/)
- [credit history](https://debtwave.org/tag/credit-history/)
- [credit repair](https://debtwave.org/tag/credit-repair/)
- [credit report errors](https://debtwave.org/tag/credit-report-errors/)
- [credit score](https://debtwave.org/tag/credit-score/)
- [credit score coach](https://debtwave.org/tag/credit-score-coach/)
- [credit score repair](https://debtwave.org/tag/credit-score-repair/)
- [debt](https://debtwave.org/tag/debt/)
- [debt and depression](https://debtwave.org/tag/debt-and-depression/)
- [debt free](https://debtwave.org/tag/debt-free/)
- [debt free charts](https://debtwave.org/tag/debt-free-charts/)
- [Debt Free Valentine's Gifts](https://debtwave.org/tag/debt-free-valentines-gifts/)
- [debt management](https://debtwave.org/tag/debt-management/)
- [debt management calculator](https://debtwave.org/tag/debt-management-calculator/)
- [debt payoff calculator](https://debtwave.org/tag/debt-payoff-calculator/)
- [debt payoff tips](https://debtwave.org/tag/debt-payoff-tips/)
- [debt stress](https://debtwave.org/tag/debt-stress/)
- [Debt Valentine's Day](https://debtwave.org/tag/debt-valentines-day/)
- [debtors prison](https://debtwave.org/tag/debtors-prison/)
- [deferred interest credit](https://debtwave.org/tag/deferred-interest-credit/)
- [deferred interest credit card](https://debtwave.org/tag/deferred-interest-credit-card/)
- [Discover](https://debtwave.org/tag/discover/)
- [emotional spending](https://debtwave.org/tag/emotional-spending/)
- [emotional toll of debt](https://debtwave.org/tag/emotional-toll-of-debt/)
- [empty nesters](https://debtwave.org/tag/empty-nesters/)
- [Fashionista Budget](https://debtwave.org/tag/fashionista-budget/)
- [finance](https://debtwave.org/tag/finance/)
- [finance mistakes](https://debtwave.org/tag/finance-mistakes/)
- [financial advisor](https://debtwave.org/tag/financial-advisor/)
- [financial boundary](https://debtwave.org/tag/financial-boundary/)
- [financial cheating](https://debtwave.org/tag/financial-cheating/)
- [financial coach](https://debtwave.org/tag/financial-coach/)
- [financial counseling](https://debtwave.org/tag/financial-counseling/)
- [financial enabler](https://debtwave.org/tag/financial-enabler/)
- [financial enabling](https://debtwave.org/tag/financial-enabling/)
- [financial goals](https://debtwave.org/tag/financial-goals/)
- [financial health](https://debtwave.org/tag/financial-health/)
- [financial infidelity](https://debtwave.org/tag/financial-infidelity/)
- [financial literacy](https://debtwave.org/tag/financial-literacy/)
- [financial literacy month](https://debtwave.org/tag/financial-literacy-month/)
- [financial literacy self-help book](https://debtwave.org/tag/financial-literacy-self-help-book/)
- [financial mindset](https://debtwave.org/tag/financial-mindset/)
- [financial planning](https://debtwave.org/tag/financial-planning/)
- [financial preparedness](https://debtwave.org/tag/financial-preparedness/)
- [financial psychology](https://debtwave.org/tag/financial-psychology/)
- [financial resolution](https://debtwave.org/tag/financial-resolution/)
- [financial self-improvement books](https://debtwave.org/tag/financial-self-improvement-books/)
- [financial stress](https://debtwave.org/tag/financial-stress/)
- [financial therapy](https://debtwave.org/tag/financial-therapy/)
- [fixed APR](https://debtwave.org/tag/fixed-apr/)
- [free credit report](https://debtwave.org/tag/free-credit-report/)
- [free credit report order](https://debtwave.org/tag/free-credit-report-order/)
- [free summer activities](https://debtwave.org/tag/free-summer-activities/)
- [frugal fashion](https://debtwave.org/tag/frugal-fashion/)
- [Frugal Valentine's Gifts](https://debtwave.org/tag/frugal-valentines-gifts/)
- [gasoline prices](https://debtwave.org/tag/gasoline-prices/)
- [get out debt calculator](https://debtwave.org/tag/get-out-debt-calculator/)
- [grocery budget](https://debtwave.org/tag/grocery-budget/)
- [Halloween on a budget](https://debtwave.org/tag/halloween-on-a-budget/)
- [health](https://debtwave.org/tag/health/)
- [healthy food on a budget](https://debtwave.org/tag/healthy-food-on-a-budget/)
- [hiding money from spouse](https://debtwave.org/tag/hiding-money-from-spouse/)
- [how to afford camp](https://debtwave.org/tag/how-to-afford-camp/)
- [how to order credit report](https://debtwave.org/tag/how-to-order-credit-report/)
- [how to order my credit report for free](https://debtwave.org/tag/how-to-order-my-credit-report-for-free/)
- [interest rate](https://debtwave.org/tag/interest-rate/)
- [Jackie Beck](https://debtwave.org/tag/jackie-beck/)
- [jail debt](https://debtwave.org/tag/jail-debt/)
- [jim wang](https://debtwave.org/tag/jim-wang/)
- [jon dulin](https://debtwave.org/tag/jon-dulin/)
- [joseph hogue](https://debtwave.org/tag/joseph-hogue/)
- [Katherine Pomerantz](https://debtwave.org/tag/katherine-pomerantz/)
- [kearny mesa](https://debtwave.org/tag/kearny-mesa/)
- [LGBTQ finance](https://debtwave.org/tag/lgbtq-finance/)
- [LGBTQ money](https://debtwave.org/tag/lgbtq-money/)
- [Living paycheck-to-paycheck](https://debtwave.org/tag/living-paycheck-to-paycheck/)
- [Maddox My Debt Epiphany](https://debtwave.org/tag/maddox-my-debt-epiphany/)
- [military debt help](https://debtwave.org/tag/military-debt-help/)
- [military financial education](https://debtwave.org/tag/military-financial-education/)
- [money](https://debtwave.org/tag/money/)
- [money emotions](https://debtwave.org/tag/money-emotions/)
- [money lessons hbo](https://debtwave.org/tag/money-lessons-hbo/)
- [money-saving fashion advice](https://debtwave.org/tag/money-saving-fashion-advice/)
- [monthly bills biweekly paycheck](https://debtwave.org/tag/monthly-bills-biweekly-paycheck/)
- [My Debt Epiphany](https://debtwave.org/tag/my-debt-epiphany/)
- [order credit report](https://debtwave.org/tag/order-credit-report/)
- [order equifax credit report](https://debtwave.org/tag/order-equifax-credit-report/)
- [order experian credit report](https://debtwave.org/tag/order-experian-credit-report/)
- [order free credit report](https://debtwave.org/tag/order-free-credit-report/)
- [order my credit report](https://debtwave.org/tag/order-my-credit-report/)
- [order transunion credit report](https://debtwave.org/tag/order-transunion-credit-report/)
- [pay camp with credit card](https://debtwave.org/tag/pay-camp-with-credit-card/)
- [pay yourself first](https://debtwave.org/tag/pay-yourself-first/)
- [paying off debt](https://debtwave.org/tag/paying-off-debt/)
- [payoff credit card debt](https://debtwave.org/tag/payoff-credit-card-debt/)
- [personal finance](https://debtwave.org/tag/personal-finance/)
- [personal finance documentaries](https://debtwave.org/tag/personal-finance-documentaries/)
- [personal finance game of thrones](https://debtwave.org/tag/personal-finance-game-of-thrones/)
- [personal loan](https://debtwave.org/tag/personal-loan/)
- [pre-approved credit card offer](https://debtwave.org/tag/pre-approved-credit-card-offer/)
- [pre-approved credit mailer](https://debtwave.org/tag/pre-approved-credit-mailer/)
- [qualifying for home loan](https://debtwave.org/tag/qualifying-for-home-loan/)
- [queer money](https://debtwave.org/tag/queer-money/)
- [read credit card statement](https://debtwave.org/tag/read-credit-card-statement/)
- [relationship money problems](https://debtwave.org/tag/relationship-money-problems/)
- [reputable credit repair service](https://debtwave.org/tag/reputable-credit-repair-service/)
- [retirement planning](https://debtwave.org/tag/retirement-planning/)
- [Robert Farrington](https://debtwave.org/tag/robert-farrington/)
- [San Diego](https://debtwave.org/tag/san-diego/)
- [San Diego Financial Literacy Center](https://debtwave.org/tag/san-diego-financial-literacy-center/)
- [San Diego housing](https://debtwave.org/tag/san-diego-housing/)
- [savings challenge](https://debtwave.org/tag/savings-challenge/)
- [savings goals](https://debtwave.org/tag/savings-goals/)
- [screen-free week](https://debtwave.org/tag/screen-free-week/)
- [SDFLC](https://debtwave.org/tag/sdflc/)
- [sell car pay off debt](https://debtwave.org/tag/sell-car-pay-off-debt/)
- [separating business and personal finance](https://debtwave.org/tag/separating-business-and-personal-finance/)
- [spousal IRA](https://debtwave.org/tag/spousal-ira/)
- [student debt](https://debtwave.org/tag/student-debt/)
- [student loan consolidation](https://debtwave.org/tag/student-loan-consolidation/)
- [student loan debt help](https://debtwave.org/tag/student-loan-debt-help/)
- [student loan deferment](https://debtwave.org/tag/student-loan-deferment/)
- [student loans](https://debtwave.org/tag/student-loans/)
- [summer camp affordability tips](https://debtwave.org/tag/summer-camp-affordability-tips/)
- [summer camp budget](https://debtwave.org/tag/summer-camp-budget/)
- [summer camp savings](https://debtwave.org/tag/summer-camp-savings/)
- [summer childcare savings](https://debtwave.org/tag/summer-childcare-savings/)
- [tax-free shopping](https://debtwave.org/tag/tax-free-shopping/)
- [timeshare](https://debtwave.org/tag/timeshare/)
- [tips to beat financial blues](https://debtwave.org/tag/tips-to-beat-financial-blues/)
- [unbanked](https://debtwave.org/tag/unbanked/)
- [Valentine's Day Budget](https://debtwave.org/tag/valentines-day-budget/)
- [Valentine's Day DIY](https://debtwave.org/tag/valentines-day-diy/)
- [Valentine's Day savings](https://debtwave.org/tag/valentines-day-savings/)
- [Valentine's gift guide](https://debtwave.org/tag/valentines-gift-guide/)
- [Variable APR](https://debtwave.org/tag/variable-apr/)
- [wellness](https://debtwave.org/tag/wellness/)
- [westeros money lessons](https://debtwave.org/tag/westeros-money-lessons/)
- [work-life balance](https://debtwave.org/tag/work-life-balance/)
- [college debt and credit card debt help](https://debtwave.org/tag/college-debt-and-credit-card-debt-help/)
- [student loan payment plans](https://debtwave.org/tag/student-loan-payment-plans/)
- [Boost for Our Heroes award](https://debtwave.org/tag/boost-for-our-heroes-award/)
- [small business vs personal finances](https://debtwave.org/tag/small-business-vs-personal-finances/)
- [entrepreneur financial boundaries](https://debtwave.org/tag/entrepreneur-financial-boundaries/)
- [small business owner budget tips](https://debtwave.org/tag/small-business-owner-budget-tips/)
- [style on a budget](https://debtwave.org/tag/style-on-a-budget/)
- [DIY home projects](https://debtwave.org/tag/diy-home-projects/)
- [budget DIY home improvement projects](https://debtwave.org/tag/budget-diy-home-improvement-projects/)
- [cheap home improvement](https://debtwave.org/tag/cheap-home-improvement/)
- [san diego housing cost](https://debtwave.org/tag/san-diego-housing-cost/)
- [home affordability southern california](https://debtwave.org/tag/home-affordability-southern-california/)
- [jailed for credit card debt](https://debtwave.org/tag/jailed-for-credit-card-debt/)
- [credit card debt legal punishment](https://debtwave.org/tag/credit-card-debt-legal-punishment/)
- [sell car payoff credit card debt](https://debtwave.org/tag/sell-car-payoff-credit-card-debt/)
- [car payments keeping me in debt](https://debtwave.org/tag/car-payments-keeping-me-in-debt/)
- [car loan budget buster](https://debtwave.org/tag/car-loan-budget-buster/)
- [cheap date ideas](https://debtwave.org/tag/cheap-date-ideas/)
- [budget date night](https://debtwave.org/tag/budget-date-night/)
- [affordable dating](https://debtwave.org/tag/affordable-dating/)
- [debt-free couples](https://debtwave.org/tag/debt-free-couples/)
- [Chonce Maddox money lessons](https://debtwave.org/tag/chonce-maddox-money-lessons/)
- [budget tips my debt epiphany chonce maddox](https://debtwave.org/tag/budget-tips-my-debt-epiphany-chonce-maddox/)
- [debt-free journey chonce maddox](https://debtwave.org/tag/debt-free-journey-chonce-maddox/)
- [debt-free journey single mom](https://debtwave.org/tag/debt-free-journey-single-mom/)
- [tracking debt payoff progress with art](https://debtwave.org/tag/tracking-debt-payoff-progress-with-art/)
- [debt free coloring sheets](https://debtwave.org/tag/debt-free-coloring-sheets/)
- [debt-free payoff progress resource](https://debtwave.org/tag/debt-free-payoff-progress-resource/)
- [financial glossary](https://debtwave.org/tag/financial-glossary/)
- [common personal finance words and meanings](https://debtwave.org/tag/common-personal-finance-words-and-meanings/)
- [financial credit terminology](https://debtwave.org/tag/financial-credit-terminology/)
- [debt terminology](https://debtwave.org/tag/debt-terminology/)
- [common personal finance terminology](https://debtwave.org/tag/common-personal-finance-terminology/)
- [what happens when you file for bankruptcy](https://debtwave.org/tag/what-happens-when-you-file-for-bankruptcy/)
- [bankruptcy financial impact](https://debtwave.org/tag/bankruptcy-financial-impact/)
- [bankruptcy and credit card debt](https://debtwave.org/tag/bankruptcy-and-credit-card-debt/)
- [debt snowball vs debt avalanche payoff methods](https://debtwave.org/tag/debt-snowball-vs-debt-avalanche-payoff-methods/)
- [debt-free payoff tips](https://debtwave.org/tag/debt-free-payoff-tips/)
- [debt-free payment schedule](https://debtwave.org/tag/debt-free-payment-schedule/)
- [what's a cash advance card](https://debtwave.org/tag/whats-a-cash-advance-card/)
- [how does cash advance work](https://debtwave.org/tag/how-does-cash-advance-work/)
- [cash advance risks](https://debtwave.org/tag/cash-advance-risks/)
- [cash advance alternatives](https://debtwave.org/tag/cash-advance-alternatives/)
- [cash advance benefits](https://debtwave.org/tag/cash-advance-benefits/)
- [senior citizen credit card debt help](https://debtwave.org/tag/senior-citizen-credit-card-debt-help/)
- [senior citizen debt payoff](https://debtwave.org/tag/senior-citizen-debt-payoff/)
- [finances for ages 65 and older](https://debtwave.org/tag/finances-for-ages-65-and-older/)
- [veteran debt help](https://debtwave.org/tag/veteran-debt-help/)
- [veteran financial assistance programs](https://debtwave.org/tag/veteran-financial-assistance-programs/)
- [financial tips for active-duty and veteran military servicemembers](https://debtwave.org/tag/financial-tips-for-active-duty-and-veteran-military-servicemembers/)
- [debt and mental health](https://debtwave.org/tag/debt-and-mental-health/)
- [credit card debt impact mental health](https://debtwave.org/tag/credit-card-debt-impact-mental-health/)
- [credit card debt and depression](https://debtwave.org/tag/credit-card-debt-and-depression/)
- [tips to lessen mental health impact of debt](https://debtwave.org/tag/tips-to-lessen-mental-health-impact-of-debt/)
- [small business debt management tips](https://debtwave.org/tag/small-business-debt-management-tips/)
- [small business owners debt payoff options](https://debtwave.org/tag/small-business-owners-debt-payoff-options/)
- [small business owners debt management](https://debtwave.org/tag/small-business-owners-debt-management/)
- [what is credit card price protection](https://debtwave.org/tag/what-is-credit-card-price-protection/)
- [who offers credit card price protection](https://debtwave.org/tag/who-offers-credit-card-price-protection/)
- [benefits of credit card price protection](https://debtwave.org/tag/benefits-of-credit-card-price-protection/)
- [maximize credit card rewards](https://debtwave.org/tag/maximize-credit-card-rewards/)
- [get most out of rewards credit card](https://debtwave.org/tag/get-most-out-of-rewards-credit-card/)
- [Brian Brandow debt payoff story](https://debtwave.org/tag/brian-brandow-debt-payoff-story/)
- [credit counseling debt payoff success story](https://debtwave.org/tag/credit-counseling-debt-payoff-success-story/)
- [credit card debt payoff with credit counseling debt management](https://debtwave.org/tag/credit-card-debt-payoff-with-credit-counseling-debt-management/)
- [credit card debt payoff story irene hernandez](https://debtwave.org/tag/credit-card-debt-payoff-story-irene-hernandez/)
- [irene hernandez debt-free journey](https://debtwave.org/tag/irene-hernandez-debt-free-journey/)
- [credit counseling debt payoff success story irene hernandez](https://debtwave.org/tag/credit-counseling-debt-payoff-success-story-irene-hernandez/)
- [DebtWave success story](https://debtwave.org/tag/debtwave-success-story/)
- [store-branded credit card rewards](https://debtwave.org/tag/store-branded-credit-card-rewards/)
- [are store-branded reward cards worth it](https://debtwave.org/tag/are-store-branded-reward-cards-worth-it/)
- [rewards credit card pros and cons](https://debtwave.org/tag/rewards-credit-card-pros-and-cons/)
- [store-credit card pros](https://debtwave.org/tag/store-credit-card-pros/)
- [store-card cons](https://debtwave.org/tag/store-card-cons/)
- [how to solve debt problems](https://debtwave.org/tag/how-to-solve-debt-problems/)
- [overwhelmed with debt](https://debtwave.org/tag/overwhelmed-with-debt/)
- [stop debt overwhelm tips](https://debtwave.org/tag/stop-debt-overwhelm-tips/)
- [debit vs credit cards](https://debtwave.org/tag/debit-vs-credit-cards/)
- [difference between debit and credit](https://debtwave.org/tag/difference-between-debit-and-credit/)
- [how are credit cards different from debit cards](https://debtwave.org/tag/how-are-credit-cards-different-from-debit-cards/)
- [debt-free self-help books](https://debtwave.org/tag/debt-free-self-help-books/)
- [best personal finance books](https://debtwave.org/tag/best-personal-finance-books/)
- [buying a home with debt](https://debtwave.org/tag/buying-a-home-with-debt/)
- [debt impact qualifying for home loan](https://debtwave.org/tag/debt-impact-qualifying-for-home-loan/)
- [debt to credit ratio home mortgage](https://debtwave.org/tag/debt-to-credit-ratio-home-mortgage/)
- [qualifying for home loan with debt](https://debtwave.org/tag/qualifying-for-home-loan-with-debt/)
- [DebtWave Credit Counseling success story](https://debtwave.org/tag/debtwave-credit-counseling-success-story/)
- [DebtWave Credit Counseling debt payoff journey Bodo Loerke](https://debtwave.org/tag/debtwave-credit-counseling-debt-payoff-journey-bodo-loerke/)
- [Bodo Loerke debt-free](https://debtwave.org/tag/bodo-loerke-debt-free/)
- [debt management vs debt settlement](https://debtwave.org/tag/debt-management-vs-debt-settlement/)
- [differences between debt management and debt settlement](https://debtwave.org/tag/differences-between-debt-management-and-debt-settlement/)
- [pros and cons of debt settlement](https://debtwave.org/tag/pros-and-cons-of-debt-settlement/)
- [pros and cons of debt management](https://debtwave.org/tag/pros-and-cons-of-debt-management/)
- [deferred interest how does it work](https://debtwave.org/tag/deferred-interest-how-does-it-work/)
- [tips avoid deferred interest](https://debtwave.org/tag/tips-avoid-deferred-interest/)
- [Jon Dulin debt-free journey](https://debtwave.org/tag/jon-dulin-debt-free-journey/)
- [debt-free success story Jon Dulin](https://debtwave.org/tag/debt-free-success-story-jon-dulin/)
- [tips for paying off credit card debt](https://debtwave.org/tag/tips-for-paying-off-credit-card-debt/)
- [money discussion before marriage](https://debtwave.org/tag/money-discussion-before-marriage/)
- [financial conversations for couples](https://debtwave.org/tag/financial-conversations-for-couples/)
- [financial questions for engaged couples](https://debtwave.org/tag/financial-questions-for-engaged-couples/)
- [premarital financial questions to consider](https://debtwave.org/tag/premarital-financial-questions-to-consider/)
- [mental health impact of credit card debt](https://debtwave.org/tag/mental-health-impact-of-credit-card-debt/)
- [emotional stress debt](https://debtwave.org/tag/emotional-stress-debt/)
- [financial depression](https://debtwave.org/tag/financial-depression/)
- [jail impact on credit score](https://debtwave.org/tag/jail-impact-on-credit-score/)
- [how going to jail affects credit](https://debtwave.org/tag/how-going-to-jail-affects-credit/)
- [credit score and jail sentence](https://debtwave.org/tag/credit-score-and-jail-sentence/)
- [personal finance bad habits](https://debtwave.org/tag/personal-finance-bad-habits/)
- [things to avoid when improving credit](https://debtwave.org/tag/things-to-avoid-when-improving-credit/)
- [personal finance tips to improve credit](https://debtwave.org/tag/personal-finance-tips-to-improve-credit/)
- [LGBTQ finance tips](https://debtwave.org/tag/lgbtq-finance-tips/)
- [gay money tips](https://debtwave.org/tag/gay-money-tips/)
- [LGBTQ financial planning](https://debtwave.org/tag/lgbtq-financial-planning/)
- [LGBTQ financial challenges](https://debtwave.org/tag/lgbtq-financial-challenges/)
- [financial infidelity and credit card debt](https://debtwave.org/tag/financial-infidelity-and-credit-card-debt/)
- [financial infidelity and debt](https://debtwave.org/tag/financial-infidelity-and-debt/)
- [small business financial literacy tips](https://debtwave.org/tag/small-business-financial-literacy-tips/)
- [financial education importance for entrepreneurs](https://debtwave.org/tag/financial-education-importance-for-entrepreneurs/)
- [entrepreneurs finance tips](https://debtwave.org/tag/entrepreneurs-finance-tips/)
- [managing finances tips for non-money personalities](https://debtwave.org/tag/managing-finances-tips-for-non-money-personalities/)
- [financial education impact credit score](https://debtwave.org/tag/financial-education-impact-credit-score/)
- [financial literacy raises credit score](https://debtwave.org/tag/financial-literacy-raises-credit-score/)
- [debtwave credit counseling financial literacy program raises credit scores](https://debtwave.org/tag/debtwave-credit-counseling-financial-literacy-program-raises-credit-scores/)
- [raise credit score with financial literacy program](https://debtwave.org/tag/raise-credit-score-with-financial-literacy-program/)
- [free financial literacy](https://debtwave.org/tag/free-financial-literacy/)
- [financial education military](https://debtwave.org/tag/financial-education-military/)
- [financial literacy tips active-duty troops](https://debtwave.org/tag/financial-literacy-tips-active-duty-troops/)
- [military financial education tips](https://debtwave.org/tag/military-financial-education-tips/)
- [personal finance tips for troops](https://debtwave.org/tag/personal-finance-tips-for-troops/)
- [financial literacy resources](https://debtwave.org/tag/financial-literacy-resources/)
- [free financial education](https://debtwave.org/tag/free-financial-education/)
- [budgeting after paying off debt](https://debtwave.org/tag/budgeting-after-paying-off-debt/)
- [budget tips recently debt-free](https://debtwave.org/tag/budget-tips-recently-debt-free/)
- [budget tips to stay debt-free](https://debtwave.org/tag/budget-tips-to-stay-debt-free/)
- [payoff debt budget tips](https://debtwave.org/tag/payoff-debt-budget-tips/)
- [financial counseling for credit card debt](https://debtwave.org/tag/financial-counseling-for-credit-card-debt/)
- [financial counselors help with credit card debt](https://debtwave.org/tag/financial-counselors-help-with-credit-card-debt/)
- [benefits of financial therapy](https://debtwave.org/tag/benefits-of-financial-therapy/)
- [financial counseling money trauma](https://debtwave.org/tag/financial-counseling-money-trauma/)
- [easy expenses to cut](https://debtwave.org/tag/easy-expenses-to-cut/)
- [expenses to cut free up money](https://debtwave.org/tag/expenses-to-cut-free-up-money/)
- [cut expenses pay off debt](https://debtwave.org/tag/cut-expenses-pay-off-debt/)
- [easy expenses to cut debt payoff](https://debtwave.org/tag/easy-expenses-to-cut-debt-payoff/)
- [fixed income mindset drawbacks](https://debtwave.org/tag/fixed-income-mindset-drawbacks/)
- [fixed mindset pros and cons](https://debtwave.org/tag/fixed-mindset-pros-and-cons/)
- [fixed mindset vs growth mindset](https://debtwave.org/tag/fixed-mindset-vs-growth-mindset/)
- [psychology of money fixed mindset](https://debtwave.org/tag/psychology-of-money-fixed-mindset/)
- [financial lessons football](https://debtwave.org/tag/financial-lessons-football/)
- [football pro-championship finances](https://debtwave.org/tag/football-pro-championship-finances/)
- [finance american football](https://debtwave.org/tag/finance-american-football/)
- [car gas savings tips](https://debtwave.org/tag/car-gas-savings-tips/)
- [save money on gas tips](https://debtwave.org/tag/save-money-on-gas-tips/)
- [gas price savings](https://debtwave.org/tag/gas-price-savings/)
- [financial lessons game of thrones](https://debtwave.org/tag/financial-lessons-game-of-thrones/)
- [personal finance tips from lannisters](https://debtwave.org/tag/personal-finance-tips-from-lannisters/)
- [daenerys targaryen money lessons](https://debtwave.org/tag/daenerys-targaryen-money-lessons/)
- [senior americans student loan debt](https://debtwave.org/tag/senior-americans-student-loan-debt/)
- [senior citizens paying off student loans](https://debtwave.org/tag/senior-citizens-paying-off-student-loans/)
- [student loan debt and senior citizens](https://debtwave.org/tag/student-loan-debt-and-senior-citizens/)
- [retiree student loan debt](https://debtwave.org/tag/retiree-student-loan-debt/)
- [halloween savings tips](https://debtwave.org/tag/halloween-savings-tips/)
- [halloween costumes and decor on a budget](https://debtwave.org/tag/halloween-costumes-and-decor-on-a-budget/)
- [halloween diy savings](https://debtwave.org/tag/halloween-diy-savings/)
- [budget tips halloween party](https://debtwave.org/tag/budget-tips-halloween-party/)
- [cheap summer activities](https://debtwave.org/tag/cheap-summer-activities/)
- [budget-friendly summer activities for family](https://debtwave.org/tag/budget-friendly-summer-activities-for-family/)
- [cheap summer things to do](https://debtwave.org/tag/cheap-summer-things-to-do/)
- [cost of housing and financial insecurity](https://debtwave.org/tag/cost-of-housing-and-financial-insecurity/)
- [high mortgage payments financial insecurity](https://debtwave.org/tag/high-mortgage-payments-financial-insecurity/)
- [high rent payments lack affordable housing](https://debtwave.org/tag/high-rent-payments-lack-affordable-housing/)
- [financial lessons from surfing](https://debtwave.org/tag/financial-lessons-from-surfing/)
- [retirement lessons from surfers](https://debtwave.org/tag/retirement-lessons-from-surfers/)
- [similarities surfing and saving for retirement](https://debtwave.org/tag/similarities-surfing-and-saving-for-retirement/)
- [how retirement is like surfing](https://debtwave.org/tag/how-retirement-is-like-surfing/)
- [bankruptcy vs debt management programs](https://debtwave.org/tag/bankruptcy-vs-debt-management-programs/)
- [bankruptcy vs credit counseling](https://debtwave.org/tag/bankruptcy-vs-credit-counseling/)
- [tips to avoid chapter 7 bankruptcy](https://debtwave.org/tag/tips-to-avoid-chapter-7-bankruptcy/)
- [payoff credit card debt before bankruptcy](https://debtwave.org/tag/payoff-credit-card-debt-before-bankruptcy/)
- [payoff credit card debt or student loans first](https://debtwave.org/tag/payoff-credit-card-debt-or-student-loans-first/)
- [debt payoff priority credit cards or student loans](https://debtwave.org/tag/debt-payoff-priority-credit-cards-or-student-loans/)
- [payoff student loans before credit cards?](https://debtwave.org/tag/payoff-student-loans-before-credit-cards/)
- [tips for closing credit cards](https://debtwave.org/tag/tips-for-closing-credit-cards/)
- [close credit card with minimal credit score impact](https://debtwave.org/tag/close-credit-card-with-minimal-credit-score-impact/)
- [cancel credit card impact credit score](https://debtwave.org/tag/cancel-credit-card-impact-credit-score/)
- [alternatives cancel credit cards](https://debtwave.org/tag/alternatives-cancel-credit-cards/)
- [is it bad to cancel credit cards](https://debtwave.org/tag/is-it-bad-to-cancel-credit-cards/)
- [what does closing credit cards do to credit score](https://debtwave.org/tag/what-does-closing-credit-cards-do-to-credit-score/)
- [raising kids and paying off debt](https://debtwave.org/tag/raising-kids-and-paying-off-debt/)
- [childcare expenses debt payoff help](https://debtwave.org/tag/childcare-expenses-debt-payoff-help/)
- [cost of having children and paying off debt](https://debtwave.org/tag/cost-of-having-children-and-paying-off-debt/)
- [debt payoff tips when you have kids](https://debtwave.org/tag/debt-payoff-tips-when-you-have-kids/)
- [family-friendly debt-free tips](https://debtwave.org/tag/family-friendly-debt-free-tips/)
- [tips to negotiate lower interest rates](https://debtwave.org/tag/tips-to-negotiate-lower-interest-rates/)
- [how to negotiate interest rates](https://debtwave.org/tag/how-to-negotiate-interest-rates/)
- [negotiate interest rates with creditors](https://debtwave.org/tag/negotiate-interest-rates-with-creditors/)
- [pay off credit card debt fast](https://debtwave.org/tag/pay-off-credit-card-debt-fast/)
- [quick tips payoff credit card debt](https://debtwave.org/tag/quick-tips-payoff-credit-card-debt/)
- [payoff debt quick to improve credit score](https://debtwave.org/tag/payoff-debt-quick-to-improve-credit-score/)
- [how to read credit card statement](https://debtwave.org/tag/how-to-read-credit-card-statement/)
- [credit card statements explained](https://debtwave.org/tag/credit-card-statements-explained/)
- [what to look for on credit card statement](https://debtwave.org/tag/what-to-look-for-on-credit-card-statement/)
- [wedding guest savings tips](https://debtwave.org/tag/wedding-guest-savings-tips/)
- [budget for destination wedding](https://debtwave.org/tag/budget-for-destination-wedding/)
- [budget tips wedding guests](https://debtwave.org/tag/budget-tips-wedding-guests/)
- [tips save on attending weddings](https://debtwave.org/tag/tips-save-on-attending-weddings/)
- [cost of attending weddings](https://debtwave.org/tag/cost-of-attending-weddings/)
- [how interest rates are determined](https://debtwave.org/tag/how-interest-rates-are-determined/)
- [how credit score affects interest rate](https://debtwave.org/tag/how-credit-score-affects-interest-rate/)
- [interest rate and credit score](https://debtwave.org/tag/interest-rate-and-credit-score/)
- [debt amounts](https://debtwave.org/tag/debt-amounts/)
- [determine how much debt I have](https://debtwave.org/tag/determine-how-much-debt-i-have/)
- [knowing how much debt you owe](https://debtwave.org/tag/knowing-how-much-debt-you-owe/)
- [payoff debt tips](https://debtwave.org/tag/payoff-debt-tips/)
- [self-worth impact on net-worth](https://debtwave.org/tag/self-worth-impact-on-net-worth/)
- [how realizing self-worth affects net-worth](https://debtwave.org/tag/how-realizing-self-worth-affects-net-worth/)
- [debt and self-esteem](https://debtwave.org/tag/debt-and-self-esteem/)
- [is bankruptcy right for me](https://debtwave.org/tag/is-bankruptcy-right-for-me/)
- [should I declare bankruptcy](https://debtwave.org/tag/should-i-declare-bankruptcy/)
- [when to declare bankruptcy](https://debtwave.org/tag/when-to-declare-bankruptcy/)
- [chapter 7 vs chapter 13 bankruptcy](https://debtwave.org/tag/chapter-7-vs-chapter-13-bankruptcy/)
- [am I bankrupt](https://debtwave.org/tag/am-i-bankrupt/)
- [refinance home to pay off debt](https://debtwave.org/tag/refinance-home-to-pay-off-debt/)
- [should I refinance home mortgage to pay off credit cards](https://debtwave.org/tag/should-i-refinance-home-mortgage-to-pay-off-credit-cards/)
- [cons paying off credit card debt via home refinance](https://debtwave.org/tag/cons-paying-off-credit-card-debt-via-home-refinance/)
- [refinance to pay off debt](https://debtwave.org/tag/refinance-to-pay-off-debt/)
- [bad debt vs good debt](https://debtwave.org/tag/bad-debt-vs-good-debt/)
- [what's a good debt](https://debtwave.org/tag/whats-a-good-debt/)
- ['good' debt vs 'bad' debt](https://debtwave.org/tag/good-debt-vs-bad-debt/)
- [worthwhile debts](https://debtwave.org/tag/worthwhile-debts/)
- [work-life balance scarcity mindset](https://debtwave.org/tag/work-life-balance-scarcity-mindset/)
- [scarcity mindset credit card debt](https://debtwave.org/tag/scarcity-mindset-credit-card-debt/)
- [credit card debt work burnout](https://debtwave.org/tag/credit-card-debt-work-burnout/)
- [abundance vs scarcity mindset](https://debtwave.org/tag/abundance-vs-scarcity-mindset/)
- [work-life balance debt-payoff](https://debtwave.org/tag/work-life-balance-debt-payoff/)
- [debt-free journey jackie beck](https://debtwave.org/tag/debt-free-journey-jackie-beck/)
- [tips to stay motivated paying off credit card debt](https://debtwave.org/tag/tips-to-stay-motivated-paying-off-credit-card-debt/)
- [how i paid off 147k](https://debtwave.org/tag/how-i-paid-off-147k/)
- [Jackie Beck debt payoff](https://debtwave.org/tag/jackie-beck-debt-payoff/)
- [biweekly pay budget tips](https://debtwave.org/tag/biweekly-pay-budget-tips/)
- [budget with biweekly paycheck](https://debtwave.org/tag/budget-with-biweekly-paycheck/)
- [budget tips bi-weekly income](https://debtwave.org/tag/budget-tips-bi-weekly-income/)
- [financial literacy 101](https://debtwave.org/tag/financial-literacy-101/)
- [financial literacy money terms](https://debtwave.org/tag/financial-literacy-money-terms/)
- [personal finance essentials](https://debtwave.org/tag/personal-finance-essentials/)
- [living without credit card access](https://debtwave.org/tag/living-without-credit-card-access/)
- [no credit cards](https://debtwave.org/tag/no-credit-cards/)
- [budget without credit](https://debtwave.org/tag/budget-without-credit/)
- [credit score with no credit cards](https://debtwave.org/tag/credit-score-with-no-credit-cards/)
- [no credit cards financial impact](https://debtwave.org/tag/no-credit-cards-financial-impact/)
- [live without credit cards](https://debtwave.org/tag/live-without-credit-cards/)
- [how to use cash instead of credit](https://debtwave.org/tag/how-to-use-cash-instead-of-credit/)
- [environmentally-friendly savings tips](https://debtwave.org/tag/environmentally-friendly-savings-tips/)
- [earth-friendly budget](https://debtwave.org/tag/earth-friendly-budget/)
- [save money and protect the environment](https://debtwave.org/tag/save-money-and-protect-the-environment/)
- [eco-friendly savings](https://debtwave.org/tag/eco-friendly-savings/)
- [reusable goods savings tips](https://debtwave.org/tag/reusable-goods-savings-tips/)
- [improve credit with credit coaching](https://debtwave.org/tag/improve-credit-with-credit-coaching/)
- [nonprofit certified credit counselor credit coach](https://debtwave.org/tag/nonprofit-certified-credit-counselor-credit-coach/)
- [improve credit score tips](https://debtwave.org/tag/improve-credit-score-tips/)
- [savings challenges to save money](https://debtwave.org/tag/savings-challenges-to-save-money/)
- [saving money games](https://debtwave.org/tag/saving-money-games/)
- [save money challenge](https://debtwave.org/tag/save-money-challenge/)
- [financial goals new years](https://debtwave.org/tag/financial-goals-new-years/)
- [new years financial resolution](https://debtwave.org/tag/new-years-financial-resolution/)
- [money goals new year](https://debtwave.org/tag/money-goals-new-year/)
- [improve credit score](https://debtwave.org/tag/improve-credit-score/)
- [tips to raise credit score](https://debtwave.org/tag/tips-to-raise-credit-score/)
- [how to increase credit score](https://debtwave.org/tag/how-to-increase-credit-score/)
- [tips to improve credit score on your own](https://debtwave.org/tag/tips-to-improve-credit-score-on-your-own/)
- [personal finance films](https://debtwave.org/tag/personal-finance-films/)
- [financial literacy documentaries](https://debtwave.org/tag/financial-literacy-documentaries/)
- [financial education movies and films](https://debtwave.org/tag/financial-education-movies-and-films/)
- [financial documentaries on streaming services](https://debtwave.org/tag/financial-documentaries-on-streaming-services/)
- [tips to payoff capital one credit card](https://debtwave.org/tag/tips-to-payoff-capital-one-credit-card/)
- [pay off capital one credit card](https://debtwave.org/tag/pay-off-capital-one-credit-card/)
- [kara perez debt payoff](https://debtwave.org/tag/kara-perez-debt-payoff/)
- [payoff credit card balance](https://debtwave.org/tag/payoff-credit-card-balance/)
- [debt payoff credit card debt tips](https://debtwave.org/tag/debt-payoff-credit-card-debt-tips/)
- [payoff debt when collecting social security](https://debtwave.org/tag/payoff-debt-when-collecting-social-security/)
- [social security income pay off debt](https://debtwave.org/tag/social-security-income-pay-off-debt/)
- [credit card debt and disability income](https://debtwave.org/tag/credit-card-debt-and-disability-income/)
- [payoff small business debt](https://debtwave.org/tag/payoff-small-business-debt/)
- [Self-employed debt payoff tips](https://debtwave.org/tag/self-employed-debt-payoff-tips/)
- [small business finance tips for self-employed](https://debtwave.org/tag/small-business-finance-tips-for-self-employed/)
- [biweekly payments](https://debtwave.org/tag/biweekly-payments/)
- [biweekly debt payments](https://debtwave.org/tag/biweekly-debt-payments/)
- [pay off credit card debt biweekly](https://debtwave.org/tag/pay-off-credit-card-debt-biweekly/)
- [how much income goes to savings](https://debtwave.org/tag/how-much-income-goes-to-savings/)
- [how to increase savings balance](https://debtwave.org/tag/how-to-increase-savings-balance/)
- [should I save money or pay off debts](https://debtwave.org/tag/should-i-save-money-or-pay-off-debts/)
- [winter holiday side hustles](https://debtwave.org/tag/winter-holiday-side-hustles/)
- [side hustles Christmas](https://debtwave.org/tag/side-hustles-christmas/)
- [seasonal jobs winter holiday seasons](https://debtwave.org/tag/seasonal-jobs-winter-holiday-seasons/)
- [side hustles christmas expenses](https://debtwave.org/tag/side-hustles-christmas-expenses/)
- [seasonal work holiday budget](https://debtwave.org/tag/seasonal-work-holiday-budget/)
- [15 winter holiday jobs to pay for christmas gifts](https://debtwave.org/tag/15-winter-holiday-jobs-to-pay-for-christmas-gifts/)
- [3 financial questions to ask spouse or partner](https://debtwave.org/tag/3-financial-questions-to-ask-spouse-or-partner/)
- [money questions for couples](https://debtwave.org/tag/money-questions-for-couples/)
- [minimum payments on credit cards](https://debtwave.org/tag/minimum-payments-on-credit-cards/)
- [interest charges minimum payment credit card](https://debtwave.org/tag/interest-charges-minimum-payment-credit-card/)
- [credit card debt minimum payments](https://debtwave.org/tag/credit-card-debt-minimum-payments/)
- [payoff debt with minimum payments](https://debtwave.org/tag/payoff-debt-with-minimum-payments/)
- [overspending with plastic money](https://debtwave.org/tag/overspending-with-plastic-money/)
- [3 ways credit cards lead to overspending](https://debtwave.org/tag/3-ways-credit-cards-lead-to-overspending/)
- [cash vs credit card to stay on budget](https://debtwave.org/tag/cash-vs-credit-card-to-stay-on-budget/)
- [how credit cards use psychology to encourage spending](https://debtwave.org/tag/how-credit-cards-use-psychology-to-encourage-spending/)
- [DIY gifts holidays](https://debtwave.org/tag/diy-gifts-holidays/)
- [christmas gift ideas buy early](https://debtwave.org/tag/christmas-gift-ideas-buy-early/)
- [buy gifts in advance of holiday season](https://debtwave.org/tag/buy-gifts-in-advance-of-holiday-season/)
- [gifts for any season budget-friendly](https://debtwave.org/tag/gifts-for-any-season-budget-friendly/)
- [budget apps to track spending](https://debtwave.org/tag/budget-apps-to-track-spending/)
- [budget apps](https://debtwave.org/tag/budget-apps/)
- [spending apps for budget tracking](https://debtwave.org/tag/spending-apps-for-budget-tracking/)
- [budgeting apps to help monitor spending](https://debtwave.org/tag/budgeting-apps-to-help-monitor-spending/)
- [how to stop living paycheck to paycheck](https://debtwave.org/tag/how-to-stop-living-paycheck-to-paycheck/)
- [how to save money](https://debtwave.org/tag/how-to-save-money/)
- [how to budget when living on a budget](https://debtwave.org/tag/how-to-budget-when-living-on-a-budget/)
- [budget tips living paycheck to paycheck](https://debtwave.org/tag/budget-tips-living-paycheck-to-paycheck/)
- [percentage of americans with retirement savings](https://debtwave.org/tag/percentage-of-americans-with-retirement-savings/)
- [how many americans have enough money to retire](https://debtwave.org/tag/how-many-americans-have-enough-money-to-retire/)
- [financial literacy and retirement savings impact](https://debtwave.org/tag/financial-literacy-and-retirement-savings-impact/)
- [credit card debt state-by-state](https://debtwave.org/tag/credit-card-debt-state-by-state/)
- [credit card debt us demographics](https://debtwave.org/tag/credit-card-debt-us-demographics/)
- [credit card debt totals by state](https://debtwave.org/tag/credit-card-debt-totals-by-state/)
- [states with highest credit card debt](https://debtwave.org/tag/states-with-highest-credit-card-debt/)
- [states with lowest credit card debt](https://debtwave.org/tag/states-with-lowest-credit-card-debt/)
- [emotional shopping credit card debt](https://debtwave.org/tag/emotional-shopping-credit-card-debt/)
- [retail therapy emotional overspending](https://debtwave.org/tag/retail-therapy-emotional-overspending/)
- [emotional purchases and debt](https://debtwave.org/tag/emotional-purchases-and-debt/)
- [empty nesters budget tips](https://debtwave.org/tag/empty-nesters-budget-tips/)
- [downsizing financial tips](https://debtwave.org/tag/downsizing-financial-tips/)
- [financial advice for new empty nesters](https://debtwave.org/tag/financial-advice-for-new-empty-nesters/)
- [financial advice and downsizing tips for older americans](https://debtwave.org/tag/financial-advice-and-downsizing-tips-for-older-americans/)
- [common bankruptcy myths](https://debtwave.org/tag/common-bankruptcy-myths/)
- [facts about bankruptcy](https://debtwave.org/tag/facts-about-bankruptcy/)
- [consumer credit counseling vs debt settlement](https://debtwave.org/tag/consumer-credit-counseling-vs-debt-settlement/)
- [pros of consumer credit counseling](https://debtwave.org/tag/pros-of-consumer-credit-counseling/)
- [how credit counseling helps you pay off debt](https://debtwave.org/tag/how-credit-counseling-helps-you-pay-off-debt/)
- [benefits of credit counseling debt management program](https://debtwave.org/tag/benefits-of-credit-counseling-debt-management-program/)
- [why important to save money](https://debtwave.org/tag/why-important-to-save-money/)
- [should I be saving money for retirement now](https://debtwave.org/tag/should-i-be-saving-money-for-retirement-now/)
- [how to save money for retirement](https://debtwave.org/tag/how-to-save-money-for-retirement/)
- [tips to save for the future](https://debtwave.org/tag/tips-to-save-for-the-future/)
- [benefits of contributing to savings](https://debtwave.org/tag/benefits-of-contributing-to-savings/)
- [benefits of 401k contributions](https://debtwave.org/tag/benefits-of-401k-contributions/)
- [signs you need help with credit card debt](https://debtwave.org/tag/signs-you-need-help-with-credit-card-debt/)
- [how do you know when you need financial help](https://debtwave.org/tag/how-do-you-know-when-you-need-financial-help/)
- [help with credit card debt consumer credit counseling](https://debtwave.org/tag/help-with-credit-card-debt-consumer-credit-counseling/)
- [help with credit card debt budgeting tips](https://debtwave.org/tag/help-with-credit-card-debt-budgeting-tips/)
- [holiday gift budget](https://debtwave.org/tag/holiday-gift-budget/)
- [christmas gift savings tips](https://debtwave.org/tag/christmas-gift-savings-tips/)
- [save money on gifts](https://debtwave.org/tag/save-money-on-gifts/)
- [save money buying christmas presents](https://debtwave.org/tag/save-money-buying-christmas-presents/)
- [christmas presents budget](https://debtwave.org/tag/christmas-presents-budget/)
- [budget-friendly presents and gifts](https://debtwave.org/tag/budget-friendly-presents-and-gifts/)
- [prepare financially for natural disaster](https://debtwave.org/tag/prepare-financially-for-natural-disaster/)
- [money tips natural disaster](https://debtwave.org/tag/money-tips-natural-disaster/)
- [financial considerations emergency preparedness](https://debtwave.org/tag/financial-considerations-emergency-preparedness/)
- [social media christmas savings](https://debtwave.org/tag/social-media-christmas-savings/)
- [gift ideas social media](https://debtwave.org/tag/gift-ideas-social-media/)
- [budget-friendly christmas gifts from social media](https://debtwave.org/tag/budget-friendly-christmas-gifts-from-social-media/)
- [social media holiday savings](https://debtwave.org/tag/social-media-holiday-savings/)
- [side hustles to increase income](https://debtwave.org/tag/side-hustles-to-increase-income/)
- [7 ways to increase income every month](https://debtwave.org/tag/7-ways-to-increase-income-every-month/)
- [tips to earn more money](https://debtwave.org/tag/tips-to-earn-more-money/)
- [grocery savings](https://debtwave.org/tag/grocery-savings/)
- [how to save money on groceries](https://debtwave.org/tag/how-to-save-money-on-groceries/)
- [cut down grocery bill](https://debtwave.org/tag/cut-down-grocery-bill/)
- [save money on food](https://debtwave.org/tag/save-money-on-food/)
- [school supplies budget savings](https://debtwave.org/tag/school-supplies-budget-savings/)
- [save money on back to school items](https://debtwave.org/tag/save-money-on-back-to-school-items/)
- [back to school savings tips](https://debtwave.org/tag/back-to-school-savings-tips/)
- [school budget savings](https://debtwave.org/tag/school-budget-savings/)
- [indicators of financial health](https://debtwave.org/tag/indicators-of-financial-health/)
- [how to protect your financial health](https://debtwave.org/tag/how-to-protect-your-financial-health/)
- [questions to ask credit counselor](https://debtwave.org/tag/questions-to-ask-credit-counselor/)
- [questions to ask credit counseling agency before signing up](https://debtwave.org/tag/questions-to-ask-credit-counseling-agency-before-signing-up/)
- [questions to ask certified credit counselors](https://debtwave.org/tag/questions-to-ask-certified-credit-counselors/)
- [use credit card to buy car](https://debtwave.org/tag/use-credit-card-to-buy-car/)
- [can i charge car down payment on credit?](https://debtwave.org/tag/can-i-charge-car-down-payment-on-credit/)
- [buying cars with credit money lesson](https://debtwave.org/tag/buying-cars-with-credit-money-lesson/)
- [credit card rewards worth it if you have debt](https://debtwave.org/tag/credit-card-rewards-worth-it-if-you-have-debt/)
- [credit card rewards and debt](https://debtwave.org/tag/credit-card-rewards-and-debt/)
- [how to avoid NSF Fees](https://debtwave.org/tag/how-to-avoid-nsf-fees/)
- [how to avoid ATM charges](https://debtwave.org/tag/how-to-avoid-atm-charges/)
- [how to avoid overdraft fees](https://debtwave.org/tag/how-to-avoid-overdraft-fees/)
- [tips avoid banking fees](https://debtwave.org/tag/tips-avoid-banking-fees/)
- [impulse shopping](https://debtwave.org/tag/impulse-shopping/)
- [emotional shopping](https://debtwave.org/tag/emotional-shopping/)
- [retail therapy](https://debtwave.org/tag/retail-therapy/)
- [how to stop emotional spending](https://debtwave.org/tag/how-to-stop-emotional-spending/)
- [tips to lessen impulse buys](https://debtwave.org/tag/tips-to-lessen-impulse-buys/)
- [complimentary budget analysis credit counseling](https://debtwave.org/tag/complimentary-budget-analysis-credit-counseling/)
- [how credit counseling works](https://debtwave.org/tag/how-credit-counseling-works/)
- [benefits of debt management program](https://debtwave.org/tag/benefits-of-debt-management-program/)
- [what will a credit counselor tell me about my finances](https://debtwave.org/tag/what-will-a-credit-counselor-tell-me-about-my-finances/)
- [affordable family summer vacation](https://debtwave.org/tag/affordable-family-summer-vacation/)
- [vacation costs to consider in budget](https://debtwave.org/tag/vacation-costs-to-consider-in-budget/)
- [plan an affordable summer trip for the family](https://debtwave.org/tag/plan-an-affordable-summer-trip-for-the-family/)
- [14 money disorders](https://debtwave.org/tag/14-money-disorders/)
- [money avoidance disorders](https://debtwave.org/tag/money-avoidance-disorders/)
- [money relational disorders](https://debtwave.org/tag/money-relational-disorders/)
- [money avoidance and relational disorders](https://debtwave.org/tag/money-avoidance-and-relational-disorders/)
- [stop being a financial enabler](https://debtwave.org/tag/stop-being-a-financial-enabler/)
- [how to stop enabling poor money choices](https://debtwave.org/tag/how-to-stop-enabling-poor-money-choices/)
- [do you support poor money choices](https://debtwave.org/tag/do-you-support-poor-money-choices/)
- [is it a bad idea to cosign loans](https://debtwave.org/tag/is-it-a-bad-idea-to-cosign-loans/)
- [questions to ask before cosigning a loan or credit card](https://debtwave.org/tag/questions-to-ask-before-cosigning-a-loan-or-credit-card/)
- [should I cosign for a credit card](https://debtwave.org/tag/should-i-cosign-for-a-credit-card/)
- [responsibilities when you cosign for a loan or credit card](https://debtwave.org/tag/responsibilities-when-you-cosign-for-a-loan-or-credit-card/)
- [physical health impact on financial health](https://debtwave.org/tag/physical-health-impact-on-financial-health/)
- [zero-based zero-calorie budget for finances and health](https://debtwave.org/tag/zero-based-zero-calorie-budget-for-finances-and-health/)
- [healthy budget and physical health](https://debtwave.org/tag/healthy-budget-and-physical-health/)
- [financial health correlation to physical health](https://debtwave.org/tag/financial-health-correlation-to-physical-health/)
- [use money budget to get healthy](https://debtwave.org/tag/use-money-budget-to-get-healthy/)
- [impulse spending and debt](https://debtwave.org/tag/impulse-spending-and-debt/)
- [how good deals can get you into debt](https://debtwave.org/tag/how-good-deals-can-get-you-into-debt/)
- [low-budget items that lead to credit card debt](https://debtwave.org/tag/low-budget-items-that-lead-to-credit-card-debt/)
- [why saying "it's only" leads to overspending](https://debtwave.org/tag/why-saying-its-only-leads-to-overspending/)
- [SDFLC Boost for Our Heroes Award Ralph Bantigue](https://debtwave.org/tag/sdflc-boost-for-our-heroes-award-ralph-bantigue/)
- [financial help for military service mebers and veterans](https://debtwave.org/tag/financial-help-for-military-service-mebers-and-veterans/)
- [marine corps financial boost](https://debtwave.org/tag/marine-corps-financial-boost/)
- [SDFLC awards $3](https://debtwave.org/tag/sdflc-awards-3/)
- [000 to Navy Seaman](https://debtwave.org/tag/000-to-navy-seaman/)
- [should I defer my student loan debt](https://debtwave.org/tag/should-i-defer-my-student-loan-debt/)
- [how to defer student loans](https://debtwave.org/tag/how-to-defer-student-loans/)
- [how to request student loan deferment](https://debtwave.org/tag/how-to-request-student-loan-deferment/)
- [requesting a student loan deferment what you need to know](https://debtwave.org/tag/requesting-a-student-loan-deferment-what-you-need-to-know/)
- [should I get a personal loan to pay off debt](https://debtwave.org/tag/should-i-get-a-personal-loan-to-pay-off-debt/)
- [loan to pay off credit card debt](https://debtwave.org/tag/loan-to-pay-off-credit-card-debt/)
- [financial benefit of personal loan to pay off debt](https://debtwave.org/tag/financial-benefit-of-personal-loan-to-pay-off-debt/)
- [cons of using loan to pay off credit card](https://debtwave.org/tag/cons-of-using-loan-to-pay-off-credit-card/)
- [debt and having a baby](https://debtwave.org/tag/debt-and-having-a-baby/)
- [should I pay off credit card debt before having kids](https://debtwave.org/tag/should-i-pay-off-credit-card-debt-before-having-kids/)
- [is it better to pay off credit cards before getting pregnant](https://debtwave.org/tag/is-it-better-to-pay-off-credit-cards-before-getting-pregnant/)
- [student loan repayment plans](https://debtwave.org/tag/student-loan-repayment-plans/)
- [payment plans for student loan debt](https://debtwave.org/tag/payment-plans-for-student-loan-debt/)
- [student loan debt crisis](https://debtwave.org/tag/student-loan-debt-crisis/)
- [what is a spousal ira and who needs one](https://debtwave.org/tag/what-is-a-spousal-ira-and-who-needs-one/)
- [I maxed out my 401k can i get a spousal ira](https://debtwave.org/tag/i-maxed-out-my-401k-can-i-get-a-spousal-ira/)
- [how to stay motivated to pay off debt](https://debtwave.org/tag/how-to-stay-motivated-to-pay-off-debt/)
- [debt payoff motivation tips](https://debtwave.org/tag/debt-payoff-motivation-tips/)
- [how to stay motivated to pay off credit card debt](https://debtwave.org/tag/how-to-stay-motivated-to-pay-off-credit-card-debt/)
- [avoid burnout paying off student loan debt](https://debtwave.org/tag/avoid-burnout-paying-off-student-loan-debt/)
- [paying off credit card debt as a single mom](https://debtwave.org/tag/paying-off-credit-card-debt-as-a-single-mom/)
- [debt help for single moms](https://debtwave.org/tag/debt-help-for-single-moms/)
- [financial tips for single parents](https://debtwave.org/tag/financial-tips-for-single-parents/)
- [financial help paying off credit card debt single mom](https://debtwave.org/tag/financial-help-paying-off-credit-card-debt-single-mom/)
- [credit card debt and single mom](https://debtwave.org/tag/credit-card-debt-and-single-mom/)
- [paying off debt as a single dad](https://debtwave.org/tag/paying-off-debt-as-a-single-dad/)
- [credit card debt payoff help for single parents](https://debtwave.org/tag/credit-card-debt-payoff-help-for-single-parents/)
- [student loans without a college degree](https://debtwave.org/tag/student-loans-without-a-college-degree/)
- [college dropouts and student debt repayment](https://debtwave.org/tag/college-dropouts-and-student-debt-repayment/)
- [repaying student loans didn't graduate](https://debtwave.org/tag/repaying-student-loans-didnt-graduate/)
- [Americans of all incomes shop at discount retailers](https://debtwave.org/tag/americans-of-all-incomes-shop-at-discount-retailers/)
- [wealthy people shop at discount retailers](https://debtwave.org/tag/wealthy-people-shop-at-discount-retailers/)
- [how to save money shopping](https://debtwave.org/tag/how-to-save-money-shopping/)
- [bargain shoppers](https://debtwave.org/tag/bargain-shoppers/)
- [America increasingly becoming cashless society](https://debtwave.org/tag/america-increasingly-becoming-cashless-society/)
- [financial impact of going cashless](https://debtwave.org/tag/financial-impact-of-going-cashless/)
- [economic impact cash only policy](https://debtwave.org/tag/economic-impact-cash-only-policy/)
- [personal finance goals](https://debtwave.org/tag/personal-finance-goals/)
- [how much money should I have in savings](https://debtwave.org/tag/how-much-money-should-i-have-in-savings/)
- [how much should I save for retirement](https://debtwave.org/tag/how-much-should-i-save-for-retirement/)
- [how to save for kids' college](https://debtwave.org/tag/how-to-save-for-kids-college/)
- [how to increase financial fitness](https://debtwave.org/tag/how-to-increase-financial-fitness/)
- [improve financial situation 10 easy steps](https://debtwave.org/tag/improve-financial-situation-10-easy-steps/)
- [financial advisor vs financial coach](https://debtwave.org/tag/financial-advisor-vs-financial-coach/)
- [debt settlement vs debt management](https://debtwave.org/tag/debt-settlement-vs-debt-management/)
- [advantages of debt settlement to pay off debt](https://debtwave.org/tag/advantages-of-debt-settlement-to-pay-off-debt/)
- [disadvantages of debt settlement to pay off credit card](https://debtwave.org/tag/disadvantages-of-debt-settlement-to-pay-off-credit-card/)
- [30-day spending diary challenge](https://debtwave.org/tag/30-day-spending-diary-challenge/)
- [how budgets increase cash flow](https://debtwave.org/tag/how-budgets-increase-cash-flow/)
- [common financial mistakes](https://debtwave.org/tag/common-financial-mistakes/)
- [financial mistakes to avoid](https://debtwave.org/tag/financial-mistakes-to-avoid/)
- [avoid these 9 common personal finance mistakes](https://debtwave.org/tag/avoid-these-9-common-personal-finance-mistakes/)
- [debt calculators](https://debtwave.org/tag/debt-calculators/)
- [how much am i paying in interest calculator](https://debtwave.org/tag/how-much-am-i-paying-in-interest-calculator/)
- [personal finance debt calculators](https://debtwave.org/tag/personal-finance-debt-calculators/)
- [how interest rate is determined](https://debtwave.org/tag/how-interest-rate-is-determined/)
- [APR rate meaning](https://debtwave.org/tag/apr-rate-meaning/)
- [cheap and affordable activities for families](https://debtwave.org/tag/cheap-and-affordable-activities-for-families/)
- [cheap screen-free activities for families](https://debtwave.org/tag/cheap-screen-free-activities-for-families/)
- [screen-free activities for children](https://debtwave.org/tag/screen-free-activities-for-children/)
- [why it's ok to get angry at your debt](https://debtwave.org/tag/why-its-ok-to-get-angry-at-your-debt/)
- [how anger can help you pay off debt](https://debtwave.org/tag/how-anger-can-help-you-pay-off-debt/)
- [timeshare foreclosure impact on credit score](https://debtwave.org/tag/timeshare-foreclosure-impact-on-credit-score/)
- [is it bad to walk away from timeshare](https://debtwave.org/tag/is-it-bad-to-walk-away-from-timeshare/)
- [what happens if you stop payments on timeshare](https://debtwave.org/tag/what-happens-if-you-stop-payments-on-timeshare/)
- [what happens stop paying timeshare payments](https://debtwave.org/tag/what-happens-stop-paying-timeshare-payments/)
- [calculate net worth](https://debtwave.org/tag/calculate-net-worth/)
- [what is net worth](https://debtwave.org/tag/what-is-net-worth/)
- [how to determine my net worth](https://debtwave.org/tag/how-to-determine-my-net-worth/)
- [what to do with tax refund money](https://debtwave.org/tag/what-to-do-with-tax-refund-money/)
- [best uses of tax refund money](https://debtwave.org/tag/best-uses-of-tax-refund-money/)
- [use tax refund to pay off debt](https://debtwave.org/tag/use-tax-refund-to-pay-off-debt/)
- [what to know when applying for credit cards](https://debtwave.org/tag/what-to-know-when-applying-for-credit-cards/)
- [things to consider before signing up for credit card](https://debtwave.org/tag/things-to-consider-before-signing-up-for-credit-card/)
- [what should i know about my credit cards](https://debtwave.org/tag/what-should-i-know-about-my-credit-cards/)
- [snowball vs avalanche debt payoff method](https://debtwave.org/tag/snowball-vs-avalanche-debt-payoff-method/)
- [payoff high interest or lowest balance first](https://debtwave.org/tag/payoff-high-interest-or-lowest-balance-first/)
- [what movie best describes you and your credit card](https://debtwave.org/tag/what-movie-best-describes-you-and-your-credit-card/)
- [what movie describes your credit card personality](https://debtwave.org/tag/what-movie-describes-your-credit-card-personality/)
- [which movie best describes my credit card debt](https://debtwave.org/tag/which-movie-best-describes-my-credit-card-debt/)
- [debt management affect on credit](https://debtwave.org/tag/debt-management-affect-on-credit/)
- [will credit counseling hurt my credit score](https://debtwave.org/tag/will-credit-counseling-hurt-my-credit-score/)
- [personal loans to pay off credit card debt](https://debtwave.org/tag/personal-loans-to-pay-off-credit-card-debt/)
- [deferred credit card payments](https://debtwave.org/tag/deferred-credit-card-payments/)
- [COVID credit card payments](https://debtwave.org/tag/covid-credit-card-payments/)
- [defer credit card bill COVID](https://debtwave.org/tag/defer-credit-card-bill-covid/)
- [coronavirus and credit cards](https://debtwave.org/tag/coronavirus-and-credit-cards/)
- [financial hardship deferred payments](https://debtwave.org/tag/financial-hardship-deferred-payments/)
- [creditors offering deferred payment](https://debtwave.org/tag/creditors-offering-deferred-payment/)
- [help paying credit card coronavirus](https://debtwave.org/tag/help-paying-credit-card-coronavirus/)
- [Meatless Monday grocery savings](https://debtwave.org/tag/meatless-monday-grocery-savings/)
- [Meatless Monday](https://debtwave.org/tag/meatless-monday/)
- [does a vegetarian diet cost more than eating meat](https://debtwave.org/tag/does-a-vegetarian-diet-cost-more-than-eating-meat/)
- [save money eat vegan](https://debtwave.org/tag/save-money-eat-vegan/)
- [DebtWave EMS social safety net](https://debtwave.org/tag/debtwave-ems-social-safety-net/)
- [DebtWave financial hardship program](https://debtwave.org/tag/debtwave-financial-hardship-program/)
- [DebtWave debt management program](https://debtwave.org/tag/debtwave-debt-management-program/)
- [DebtWave EMS](https://debtwave.org/tag/debtwave-ems/)
- [Extended Modification Solution program credit card debt financial hardship](https://debtwave.org/tag/extended-modification-solution-program-credit-card-debt-financial-hardship/)
- [COVID financial hardship credit card debt](https://debtwave.org/tag/covid-financial-hardship-credit-card-debt/)
- [COVID financial hardship program](https://debtwave.org/tag/covid-financial-hardship-program/)
- [financial hardship debt help](https://debtwave.org/tag/financial-hardship-debt-help/)
- [financial hardship credit card debt program](https://debtwave.org/tag/financial-hardship-credit-card-debt-program/)
- [home repair store-branded credit card](https://debtwave.org/tag/home-repair-store-branded-credit-card/)
- [home renovations on credit](https://debtwave.org/tag/home-renovations-on-credit/)
- [charge home repairs to credit card](https://debtwave.org/tag/charge-home-repairs-to-credit-card/)
- [store-branded credit card home repair advantages](https://debtwave.org/tag/store-branded-credit-card-home-repair-advantages/)
- [how to pay for home repair](https://debtwave.org/tag/how-to-pay-for-home-repair/)
- [how to pay for home improvement](https://debtwave.org/tag/how-to-pay-for-home-improvement/)
- [home improvement credit card](https://debtwave.org/tag/home-improvement-credit-card/)
- [money lessons Jurassic Park](https://debtwave.org/tag/money-lessons-jurassic-park/)
- [financial advice from movies](https://debtwave.org/tag/financial-advice-from-movies/)
- [Blockbuster films teach money](https://debtwave.org/tag/blockbuster-films-teach-money/)
- [life advice Jurassic Park](https://debtwave.org/tag/life-advice-jurassic-park/)
- [personal finance Jurassic Park](https://debtwave.org/tag/personal-finance-jurassic-park/)
- [Jurassic Park money problems](https://debtwave.org/tag/jurassic-park-money-problems/)
- [Jurassic Park debt](https://debtwave.org/tag/jurassic-park-debt/)
- [money conversations with aging parents](https://debtwave.org/tag/money-conversations-with-aging-parents/)
- [talking to older parents about money](https://debtwave.org/tag/talking-to-older-parents-about-money/)
- [adult children financial caregivers](https://debtwave.org/tag/adult-children-financial-caregivers/)
- [are adult children your retirement plan](https://debtwave.org/tag/are-adult-children-your-retirement-plan/)
- [are you your parents' retirement plan](https://debtwave.org/tag/are-you-your-parents-retirement-plan/)
- [sandwich generation financial concerns](https://debtwave.org/tag/sandwich-generation-financial-concerns/)
- [Cameron Huddleston talking to mom and dad money](https://debtwave.org/tag/cameron-huddleston-talking-to-mom-and-dad-money/)
- [financial planning with parents](https://debtwave.org/tag/financial-planning-with-parents/)
- [COVID-19 budget](https://debtwave.org/tag/covid-19-budget/)
- [coronavirus budget changes](https://debtwave.org/tag/coronavirus-budget-changes/)
- [coronavirus emergency savings](https://debtwave.org/tag/coronavirus-emergency-savings/)
- [coronavirus personal finance tips](https://debtwave.org/tag/coronavirus-personal-finance-tips/)
- [adjust budget COVID](https://debtwave.org/tag/adjust-budget-covid/)
- [covid budgeting tips](https://debtwave.org/tag/covid-budgeting-tips/)
- [COVID debt management](https://debtwave.org/tag/covid-debt-management/)
- [money mindset](https://debtwave.org/tag/money-mindset/)
- [abundance vs scarcity money mindset](https://debtwave.org/tag/abundance-vs-scarcity-money-mindset/)
- [how to change money story](https://debtwave.org/tag/how-to-change-money-story/)
- [money stories impact debt](https://debtwave.org/tag/money-stories-impact-debt/)
- [subconscious financial decisions we make](https://debtwave.org/tag/subconscious-financial-decisions-we-make/)
- [how money story affects our savings](https://debtwave.org/tag/how-money-story-affects-our-savings/)
- [help changing financial mindset](https://debtwave.org/tag/help-changing-financial-mindset/)
- [emotional toll credit card debt](https://debtwave.org/tag/emotional-toll-credit-card-debt/)
- [emotional impact credit card debt](https://debtwave.org/tag/emotional-impact-credit-card-debt/)
- [credit card debt mental health](https://debtwave.org/tag/credit-card-debt-mental-health/)
- [credit card debt stress](https://debtwave.org/tag/credit-card-debt-stress/)
- [financial roadmap](https://debtwave.org/tag/financial-roadmap/)
- [financial short-term goals](https://debtwave.org/tag/financial-short-term-goals/)
- [financial long-term goals](https://debtwave.org/tag/financial-long-term-goals/)
- [how budgets help you achieve financial success](https://debtwave.org/tag/how-budgets-help-you-achieve-financial-success/)
- [budgets financial roadmap](https://debtwave.org/tag/budgets-financial-roadmap/)
- [budget financial short-term goals](https://debtwave.org/tag/budget-financial-short-term-goals/)
- [budget long-term money goals](https://debtwave.org/tag/budget-long-term-money-goals/)
- [cost of pet adoption](https://debtwave.org/tag/cost-of-pet-adoption/)
- [how much money need to care for dogs](https://debtwave.org/tag/how-much-money-need-to-care-for-dogs/)
- [cost of puppy](https://debtwave.org/tag/cost-of-puppy/)
- [pet adoption cost](https://debtwave.org/tag/pet-adoption-cost/)
- [dog adoption cost](https://debtwave.org/tag/dog-adoption-cost/)
- [cost first year dog ownership](https://debtwave.org/tag/cost-first-year-dog-ownership/)
- [cost of dogs](https://debtwave.org/tag/cost-of-dogs/)
- [save money pets](https://debtwave.org/tag/save-money-pets/)
- [how expensive to adopt dog](https://debtwave.org/tag/how-expensive-to-adopt-dog/)
- [baja dog rescue dog adoption san diego](https://debtwave.org/tag/baja-dog-rescue-dog-adoption-san-diego/)
- [credit card usage COVID](https://debtwave.org/tag/credit-card-usage-covid/)
- [credit card usage down during coronavirus pandemic](https://debtwave.org/tag/credit-card-usage-down-during-coronavirus-pandemic/)
- [credit card debt increasing during covid-19](https://debtwave.org/tag/credit-card-debt-increasing-during-covid-19/)
- [consumer credit card debt COVID-19 trends](https://debtwave.org/tag/consumer-credit-card-debt-covid-19-trends/)
- [how Americans using credit cards during pandemic](https://debtwave.org/tag/how-americans-using-credit-cards-during-pandemic/)
- [credit card debt levels during pandemic](https://debtwave.org/tag/credit-card-debt-levels-during-pandemic/)
- [credit card usage COVID-19](https://debtwave.org/tag/credit-card-usage-covid-19/)
- [COVID credit card trends](https://debtwave.org/tag/covid-credit-card-trends/)
- [Kardashian money lessons](https://debtwave.org/tag/kardashian-money-lessons/)
- [financial advice Kim Kardashian West](https://debtwave.org/tag/financial-advice-kim-kardashian-west/)
- [financial lessons Keeping Up With the Kardashians](https://debtwave.org/tag/financial-lessons-keeping-up-with-the-kardashians/)
- [financial advice Kardashian Jenner](https://debtwave.org/tag/financial-advice-kardashian-jenner/)
- [Kardashian money](https://debtwave.org/tag/kardashian-money/)
- [money advice kim k](https://debtwave.org/tag/money-advice-kim-k/)
- [free self-care tips](https://debtwave.org/tag/free-self-care-tips/)
- [affordable self-care](https://debtwave.org/tag/affordable-self-care/)
- [50 de-stress activities that are free](https://debtwave.org/tag/50-de-stress-activities-that-are-free/)
- [low-cost or no cost self-care ideas](https://debtwave.org/tag/low-cost-or-no-cost-self-care-ideas/)
- [de-stress for free](https://debtwave.org/tag/de-stress-for-free/)
- [free and easy relaxing tips](https://debtwave.org/tag/free-and-easy-relaxing-tips/)
- [virtual Thanksgiving celebrations](https://debtwave.org/tag/virtual-thanksgiving-celebrations/)
- [affordable Thanksgiving fun 2020](https://debtwave.org/tag/affordable-thanksgiving-fun-2020/)
- [budget-friendly Thanksgiving celebration ideas](https://debtwave.org/tag/budget-friendly-thanksgiving-celebration-ideas/)
- [quarantine-friendly and affordable thanksgiving activities](https://debtwave.org/tag/quarantine-friendly-and-affordable-thanksgiving-activities/)
- [COVID Thanksgiving virtual dinners](https://debtwave.org/tag/covid-thanksgiving-virtual-dinners/)
- [virtual Thanksgiving](https://debtwave.org/tag/virtual-thanksgiving/)
- [financial education and debt management](https://debtwave.org/tag/financial-education-and-debt-management/)
- [credit card debt payoff options credit counseling](https://debtwave.org/tag/credit-card-debt-payoff-options-credit-counseling/)
- [DebtWave Credit Counseling consumer credit counseling](https://debtwave.org/tag/debtwave-credit-counseling-consumer-credit-counseling/)
- [Chase Peckham DebtWave Credit Counseling](https://debtwave.org/tag/chase-peckham-debtwave-credit-counseling/)
- [guaranteed income](https://debtwave.org/tag/guaranteed-income/)
- [testing UBI compton pledge](https://debtwave.org/tag/testing-ubi-compton-pledge/)
- [Stockton SEED program](https://debtwave.org/tag/stockton-seed-program/)
- [Mayors for Guaranteed Income](https://debtwave.org/tag/mayors-for-guaranteed-income/)
- [universal basic income pilot programs](https://debtwave.org/tag/universal-basic-income-pilot-programs/)
- [how Americans spent stimulus checks](https://debtwave.org/tag/how-americans-spent-stimulus-checks/)
- [stimulus checks used for debt repayment](https://debtwave.org/tag/stimulus-checks-used-for-debt-repayment/)
- [COVID real estate market](https://debtwave.org/tag/covid-real-estate-market/)
- [2020 home sales forecast](https://debtwave.org/tag/2020-home-sales-forecast/)
- [buyers vs sellers market](https://debtwave.org/tag/buyers-vs-sellers-market/)
- [financial tips before buying a home](https://debtwave.org/tag/financial-tips-before-buying-a-home/)
- [financially planning homebuying](https://debtwave.org/tag/financially-planning-homebuying/)
- [san diego real estate affordability](https://debtwave.org/tag/san-diego-real-estate-affordability/)
- [housing affordability](https://debtwave.org/tag/housing-affordability/)
- [financial to-dos before buying a home](https://debtwave.org/tag/financial-to-dos-before-buying-a-home/)
- [how Afterpay works](https://debtwave.org/tag/how-afterpay-works/)
- [micro-installment credit loans online shopping](https://debtwave.org/tag/micro-installment-credit-loans-online-shopping/)
- [pros and cons of Afterpay](https://debtwave.org/tag/pros-and-cons-of-afterpay/)
- [online shopping pay later financial concerns](https://debtwave.org/tag/online-shopping-pay-later-financial-concerns/)
- [debt online shopping](https://debtwave.org/tag/debt-online-shopping/)
- [credit card reluctance online shopping](https://debtwave.org/tag/credit-card-reluctance-online-shopping/)
- [online shopping afterpay debt concerns](https://debtwave.org/tag/online-shopping-afterpay-debt-concerns/)
- [personal finance online shopping micro-loans](https://debtwave.org/tag/personal-finance-online-shopping-micro-loans/)
- [how to talk to kids about debt](https://debtwave.org/tag/how-to-talk-to-kids-about-debt/)
- [talking money with kids](https://debtwave.org/tag/talking-money-with-kids/)
- [explaining family finances to your kids](https://debtwave.org/tag/explaining-family-finances-to-your-kids/)
- [how to talk finances with kids](https://debtwave.org/tag/how-to-talk-finances-with-kids/)
- [age-appropriate money conversations](https://debtwave.org/tag/age-appropriate-money-conversations/)
- [personal finance lessons for kids](https://debtwave.org/tag/personal-finance-lessons-for-kids/)
- [financial literacy for the whole family](https://debtwave.org/tag/financial-literacy-for-the-whole-family/)
- [long-term goals budget](https://debtwave.org/tag/long-term-goals-budget/)
- [short-term goals budget](https://debtwave.org/tag/short-term-goals-budget/)
- [personal finance goals budget](https://debtwave.org/tag/personal-finance-goals-budget/)
- [how budget supports life goals](https://debtwave.org/tag/how-budget-supports-life-goals/)
- [budgeting tip would you rather](https://debtwave.org/tag/budgeting-tip-would-you-rather/)
- [would you rather budget game](https://debtwave.org/tag/would-you-rather-budget-game/)
- [would you rather budgeting technique](https://debtwave.org/tag/would-you-rather-budgeting-technique/)
- [tips to stop worrying about money](https://debtwave.org/tag/tips-to-stop-worrying-about-money/)
- [stress of credit card debt](https://debtwave.org/tag/stress-of-credit-card-debt/)
- [blue monday money depression](https://debtwave.org/tag/blue-monday-money-depression/)
- [renting vs buying homes](https://debtwave.org/tag/renting-vs-buying-homes/)
- [pros of renting home](https://debtwave.org/tag/pros-of-renting-home/)
- [cons of homeownership](https://debtwave.org/tag/cons-of-homeownership/)
- [renting waste of money](https://debtwave.org/tag/renting-waste-of-money/)
- [renting NOT a waste of money](https://debtwave.org/tag/renting-not-a-waste-of-money/)
- [renting smart investment](https://debtwave.org/tag/renting-smart-investment/)
- [high cost of living rent vs buying](https://debtwave.org/tag/high-cost-of-living-rent-vs-buying/)
- [talk wealth to me podcast renting vs buying](https://debtwave.org/tag/talk-wealth-to-me-podcast-renting-vs-buying/)
- [grocery prices increase](https://debtwave.org/tag/grocery-prices-increase/)
- [grocery savings tips](https://debtwave.org/tag/grocery-savings-tips/)
- [grocery budget tips](https://debtwave.org/tag/grocery-budget-tips/)
- [grocery prices inflation budget](https://debtwave.org/tag/grocery-prices-inflation-budget/)
- [grocery prices budget](https://debtwave.org/tag/grocery-prices-budget/)
- [grocery budgeting](https://debtwave.org/tag/grocery-budgeting/)
- [food costs budget](https://debtwave.org/tag/food-costs-budget/)
- [food costs rise](https://debtwave.org/tag/food-costs-rise/)
- [food savings tips](https://debtwave.org/tag/food-savings-tips/)
- [tips cut grocery budget](https://debtwave.org/tag/tips-cut-grocery-budget/)
- [SMART money goals](https://debtwave.org/tag/smart-money-goals/)
- [SMART goals](https://debtwave.org/tag/smart-goals/)
- [New Years money goal](https://debtwave.org/tag/new-years-money-goal/)
- [credit score varies](https://debtwave.org/tag/credit-score-varies/)
- [FICO credit score](https://debtwave.org/tag/fico-credit-score/)
- [Vantage credit score](https://debtwave.org/tag/vantage-credit-score/)
- [credit karma credit score](https://debtwave.org/tag/credit-karma-credit-score/)
- [consumer credit score vs lender credit score](https://debtwave.org/tag/consumer-credit-score-vs-lender-credit-score/)
- [credit bureau credit scores different from each other](https://debtwave.org/tag/credit-bureau-credit-scores-different-from-each-other/)
- [why is my credit karma credit score higher](https://debtwave.org/tag/why-is-my-credit-karma-credit-score-higher/)
- [why is my credit score lower than what credit karma said](https://debtwave.org/tag/why-is-my-credit-score-lower-than-what-credit-karma-said/)
- [variations in credit score](https://debtwave.org/tag/variations-in-credit-score/)
- [understanding credit score reporting](https://debtwave.org/tag/understanding-credit-score-reporting/)
- [credit scoring differences](https://debtwave.org/tag/credit-scoring-differences/)
- [credit score algorithm](https://debtwave.org/tag/credit-score-algorithm/)
- [gross income vs net income](https://debtwave.org/tag/gross-income-vs-net-income/)
- [budgeting with gross or net income](https://debtwave.org/tag/budgeting-with-gross-or-net-income/)
- [budgeting net income](https://debtwave.org/tag/budgeting-net-income/)
- [budgeting gross income](https://debtwave.org/tag/budgeting-gross-income/)
- [#FreeBritney finances](https://debtwave.org/tag/freebritney-finances/)
- [financial caregiver Jamie Spears](https://debtwave.org/tag/financial-caregiver-jamie-spears/)
- [conservatorship financial abuse](https://debtwave.org/tag/conservatorship-financial-abuse/)
- [britney spears financial abuse conservatorship](https://debtwave.org/tag/britney-spears-financial-abuse-conservatorship/)
- [britney spears power of attorney finances](https://debtwave.org/tag/britney-spears-power-of-attorney-finances/)
- [britney spears budget conservatorship](https://debtwave.org/tag/britney-spears-budget-conservatorship/)
- [free britney financial abuse](https://debtwave.org/tag/free-britney-financial-abuse/)
- [financial goals to achieve](https://debtwave.org/tag/financial-goals-to-achieve/)
- [long-term and short-term financial goals](https://debtwave.org/tag/long-term-and-short-term-financial-goals/)
- [financial plan budget](https://debtwave.org/tag/financial-plan-budget/)
- [money goals to achieve in your lifetime](https://debtwave.org/tag/money-goals-to-achieve-in-your-lifetime/)
- [long-term money goals](https://debtwave.org/tag/long-term-money-goals/)
- [short-term money goals](https://debtwave.org/tag/short-term-money-goals/)
- [debt-free money goals](https://debtwave.org/tag/debt-free-money-goals/)
- [financial goal emergency savings fully funded](https://debtwave.org/tag/financial-goal-emergency-savings-fully-funded/)
- [debt-free savings goals](https://debtwave.org/tag/debt-free-savings-goals/)
- [biweekly budget](https://debtwave.org/tag/biweekly-budget/)
- [budgeting with biweekly pay](https://debtwave.org/tag/budgeting-with-biweekly-pay/)
- [tips for budgeting with twice monthly pay](https://debtwave.org/tag/tips-for-budgeting-with-twice-monthly-pay/)
- [mindful spending](https://debtwave.org/tag/mindful-spending/)
- [mindful budgeting](https://debtwave.org/tag/mindful-budgeting/)
- [conscious vs unconscious spending](https://debtwave.org/tag/conscious-vs-unconscious-spending/)
- [mindless spending](https://debtwave.org/tag/mindless-spending/)
- [cosign loan vs authorized user](https://debtwave.org/tag/cosign-loan-vs-authorized-user/)
- [loan co-signer](https://debtwave.org/tag/loan-co-signer/)
- [risks cosigning loan family member](https://debtwave.org/tag/risks-cosigning-loan-family-member/)
- [cosign loan risks friend](https://debtwave.org/tag/cosign-loan-risks-friend/)
- [risks as a cosigner](https://debtwave.org/tag/risks-as-a-cosigner/)
- [am I financially responsible as a cosigner on a loan](https://debtwave.org/tag/am-i-financially-responsible-as-a-cosigner-on-a-loan/)
- [financially enabling cosigner](https://debtwave.org/tag/financially-enabling-cosigner/)
- [pre-screen credit](https://debtwave.org/tag/pre-screen-credit/)
- [debt management benefits](https://debtwave.org/tag/debt-management-benefits/)
- [5 benefits DebtWave Credit Counseling](https://debtwave.org/tag/5-benefits-debtwave-credit-counseling/)
- [credit card rewards benefits if you pay interest charges](https://debtwave.org/tag/credit-card-rewards-benefits-if-you-pay-interest-charges/)
- [high interest reward credit cards pros and cons](https://debtwave.org/tag/high-interest-reward-credit-cards-pros-and-cons/)
- [high interest credit card rewards](https://debtwave.org/tag/high-interest-credit-card-rewards/)
- [travel credit card rewards](https://debtwave.org/tag/travel-credit-card-rewards/)
- [credit card rewards programs](https://debtwave.org/tag/credit-card-rewards-programs/)
- [financial questions to consider before tying the knot](https://debtwave.org/tag/financial-questions-to-consider-before-tying-the-knot/)
- [money discussions before getting married](https://debtwave.org/tag/money-discussions-before-getting-married/)
- [Prince Harry financially cut off](https://debtwave.org/tag/prince-harry-financially-cut-off/)
- [royal family money](https://debtwave.org/tag/royal-family-money/)
- [Harry & Meghan cut off royal money](https://debtwave.org/tag/harry-meghan-cut-off-royal-money/)
- [Prince Charles Prince Harry family money](https://debtwave.org/tag/prince-charles-prince-harry-family-money/)
- [Princess Diana family trust Prince Harry savings](https://debtwave.org/tag/princess-diana-family-trust-prince-harry-savings/)
- [generational wealth family](https://debtwave.org/tag/generational-wealth-family/)
- [financially cut off family](https://debtwave.org/tag/financially-cut-off-family/)
- [dangers depending on family wealth inheritance](https://debtwave.org/tag/dangers-depending-on-family-wealth-inheritance/)
- [side hustle cut off financially](https://debtwave.org/tag/side-hustle-cut-off-financially/)
- [10 financial lessons from Talk Wealth To Me podcast](https://debtwave.org/tag/10-financial-lessons-from-talk-wealth-to-me-podcast/)
- [personal finance podcast Talk Wealth To Me highlights](https://debtwave.org/tag/personal-finance-podcast-talk-wealth-to-me-highlights/)
- [top episodes Talk Wealth To Me personal finance podcast](https://debtwave.org/tag/top-episodes-talk-wealth-to-me-personal-finance-podcast/)
- [debtwave credit counseling podcast talk wealth to me](https://debtwave.org/tag/debtwave-credit-counseling-podcast-talk-wealth-to-me/)
- [san diego financial literacy center podcast talk wealth to me](https://debtwave.org/tag/san-diego-financial-literacy-center-podcast-talk-wealth-to-me/)
- [talk wealth to me financial education](https://debtwave.org/tag/talk-wealth-to-me-financial-education/)
- [talk wealth to me financial literacy podcasts](https://debtwave.org/tag/talk-wealth-to-me-financial-literacy-podcasts/)
- [credit counseling and credit score impact](https://debtwave.org/tag/credit-counseling-and-credit-score-impact/)
- [will debt management program affect my credit score](https://debtwave.org/tag/will-debt-management-program-affect-my-credit-score/)
- [credit counseling credit score](https://debtwave.org/tag/credit-counseling-credit-score/)
- [debt management credit score](https://debtwave.org/tag/debt-management-credit-score/)
- [improve credit or pay off debt](https://debtwave.org/tag/improve-credit-or-pay-off-debt/)
- [what are money relational disorders](https://debtwave.org/tag/what-are-money-relational-disorders/)
- [emotional money disorders](https://debtwave.org/tag/emotional-money-disorders/)
- [financial infidelity money disorder](https://debtwave.org/tag/financial-infidelity-money-disorder/)
- [financial denial](https://debtwave.org/tag/financial-denial/)
- [financial rejection money disorders](https://debtwave.org/tag/financial-rejection-money-disorders/)
- [credit card reward programs](https://debtwave.org/tag/credit-card-reward-programs/)
- [credit card reward benefits](https://debtwave.org/tag/credit-card-reward-benefits/)
- [debt and credit card rewards](https://debtwave.org/tag/debt-and-credit-card-rewards/)
- [are credit card rewards worth it if you have credit card debt](https://debtwave.org/tag/are-credit-card-rewards-worth-it-if-you-have-credit-card-debt/)
- [student loan debt](https://debtwave.org/tag/student-loan-debt/)
- [cancel student loans](https://debtwave.org/tag/cancel-student-loans/)
- [will student loan debt be forgiven](https://debtwave.org/tag/will-student-loan-debt-be-forgiven/)
- [student loan freeze vs forgiveness](https://debtwave.org/tag/student-loan-freeze-vs-forgiveness/)
- [student loan debt outpaces credit card debt](https://debtwave.org/tag/student-loan-debt-outpaces-credit-card-debt/)
- [student loan debt consolidation](https://debtwave.org/tag/student-loan-debt-consolidation/)
- [saving for student loan debt payoff](https://debtwave.org/tag/saving-for-student-loan-debt-payoff/)
- [discussing debt-free budget with friends and family](https://debtwave.org/tag/discussing-debt-free-budget-with-friends-and-family/)
- [on a budget](https://debtwave.org/tag/on-a-budget/)
- [how to tell friends about budget](https://debtwave.org/tag/how-to-tell-friends-about-budget/)
- [how to tell family about budget](https://debtwave.org/tag/how-to-tell-family-about-budget/)
- [tips for having fun on a budget](https://debtwave.org/tag/tips-for-having-fun-on-a-budget/)
- [social life on a budget](https://debtwave.org/tag/social-life-on-a-budget/)
- [shecession](https://debtwave.org/tag/shecession/)
- [working mom financial stress](https://debtwave.org/tag/working-mom-financial-stress/)
- [working moms cost of childcare](https://debtwave.org/tag/working-moms-cost-of-childcare/)
- [working parents financial stress](https://debtwave.org/tag/working-parents-financial-stress/)
- [she-cession](https://debtwave.org/tag/she-cession/)
- [gender wage gap increasing women leave workforce](https://debtwave.org/tag/gender-wage-gap-increasing-women-leave-workforce/)
- [gender recessions](https://debtwave.org/tag/gender-recessions/)
- [financial red flags from Friends](https://debtwave.org/tag/financial-red-flags-from-friends/)
- [financial lessons from Friends](https://debtwave.org/tag/financial-lessons-from-friends/)
- [money advice Friends](https://debtwave.org/tag/money-advice-friends/)
- [budget lessons from Friends TV show](https://debtwave.org/tag/budget-lessons-from-friends-tv-show/)
- [personal finance tv show friends](https://debtwave.org/tag/personal-finance-tv-show-friends/)
- [money lessons central perk tv show friends](https://debtwave.org/tag/money-lessons-central-perk-tv-show-friends/)
- [cost of being a bridesmaid](https://debtwave.org/tag/cost-of-being-a-bridesmaid/)
- [financial boundaries wedding](https://debtwave.org/tag/financial-boundaries-wedding/)
- [financial cost of being a groomsmen](https://debtwave.org/tag/financial-cost-of-being-a-groomsmen/)
- [cost of being a maid of honor](https://debtwave.org/tag/cost-of-being-a-maid-of-honor/)
- [financial commitment being in a wedding party](https://debtwave.org/tag/financial-commitment-being-in-a-wedding-party/)
- [ways to save bridesmaid](https://debtwave.org/tag/ways-to-save-bridesmaid/)
- [ways to save groomsmen](https://debtwave.org/tag/ways-to-save-groomsmen/)
- [financial considerations being in a wedding](https://debtwave.org/tag/financial-considerations-being-in-a-wedding/)
- [how to save money and be in a wedding](https://debtwave.org/tag/how-to-save-money-and-be-in-a-wedding/)
- [cost of being in a wedding](https://debtwave.org/tag/cost-of-being-in-a-wedding/)
- [pressure to spend money on a wedding bridal party](https://debtwave.org/tag/pressure-to-spend-money-on-a-wedding-bridal-party/)
- [bridal party savings](https://debtwave.org/tag/bridal-party-savings/)
- [bridal party financial boundaries](https://debtwave.org/tag/bridal-party-financial-boundaries/)
- [bridal party savings tips](https://debtwave.org/tag/bridal-party-savings-tips/)
- [what is cryptocurrency](https://debtwave.org/tag/what-is-cryptocurrency/)
- [history of bitcoin](https://debtwave.org/tag/history-of-bitcoin/)
- [cryptocurrency and credit card debt](https://debtwave.org/tag/cryptocurrency-and-credit-card-debt/)
- [bitcoin and credit card debt](https://debtwave.org/tag/bitcoin-and-credit-card-debt/)
- [credit card debt cryptocurrency](https://debtwave.org/tag/credit-card-debt-cryptocurrency/)
- [what is bitcoin](https://debtwave.org/tag/what-is-bitcoin/)
- [what is crypto money](https://debtwave.org/tag/what-is-crypto-money/)
- [how to use crypto money](https://debtwave.org/tag/how-to-use-crypto-money/)
- [what is cryptocurrency used for](https://debtwave.org/tag/what-is-cryptocurrency-used-for/)
- [who has cryptocurrency](https://debtwave.org/tag/who-has-cryptocurrency/)
- [consumer credit counseling san diego](https://debtwave.org/tag/consumer-credit-counseling-san-diego/)
- [financial education san diego financial literacy center](https://debtwave.org/tag/financial-education-san-diego-financial-literacy-center/)
- [money lessons from DebtWave](https://debtwave.org/tag/money-lessons-from-debtwave/)
- [financial literacy improved my finances](https://debtwave.org/tag/financial-literacy-improved-my-finances/)
- [how debtwave helped me get debt free](https://debtwave.org/tag/how-debtwave-helped-me-get-debt-free/)
- [debtwave improved my finances](https://debtwave.org/tag/debtwave-improved-my-finances/)
- [debtwave paid off credit card debt](https://debtwave.org/tag/debtwave-paid-off-credit-card-debt/)
- [debtwave financial education](https://debtwave.org/tag/debtwave-financial-education/)
- [financial empowerment DebtWave Credit Counseling](https://debtwave.org/tag/financial-empowerment-debtwave-credit-counseling/)

## Stats Types

- [view](https://debtwave.org/wpa-stats-type/view/)
- [Chrome](https://debtwave.org/wpa-stats-type/chrome/)
- [Windows](https://debtwave.org/wpa-stats-type/windows/)
- [Safari](https://debtwave.org/wpa-stats-type/safari/)
- [Macintosh](https://debtwave.org/wpa-stats-type/macintosh/)
- [iPhone](https://debtwave.org/wpa-stats-type/iphone/)
- [Android](https://debtwave.org/wpa-stats-type/android/)
- [Firefox](https://debtwave.org/wpa-stats-type/firefox/)
- [Linux](https://debtwave.org/wpa-stats-type/linux/)
- [unknown](https://debtwave.org/wpa-stats-type/unknown/)
- [event](https://debtwave.org/wpa-stats-type/event/)
- [iPad](https://debtwave.org/wpa-stats-type/ipad/)
- [Microsoft Edge](https://debtwave.org/wpa-stats-type/microsoft-edge/)