Personal Finance

You can avoid bankruptcy by negotiating with creditors, consolidating debt, increasing income, or using formal debt management programs. You might have more options than you realize, and this guide provides a clear framework for deciding which path best fits your situation. The Math You Need to Do First To Avoid Bankruptcy Before exploring any debt […]

Credit card refinancing and debt consolidation both reduce interest and simplify debt, but they take different routes. Refinancing shifts your credit card balance to a 0% APR card to save on interest in the short term, which is ideal if you can pay it off fast. Debt consolidation rolls multiple debts into a fixed-rate personal […]

A grace period is the window of time after a payment is due or a billing cycle ends during which you will not be charged interest or late fees. Credit cards, mortgages, and student loans all have grace periods, but they work differently and last for different lengths of time. Most people either do not […]

Rebalancing your portfolio means adjusting your investments back to your original target mix of stocks, bonds, and other assets. Over time, some investments grow faster than others. Maybe your stocks surge while your bonds stay steady, which shifts your portfolio away from the risk level you’re comfortable with. Rebalancing gets you back on track by […]