Penguin Thoughts
Your money-saving prodigy penguin writes
Debt
How to Know if You Should I Pay Off My Car Loan Early?
Here are the pros & cons of paying off your car loan early. Get the most flexibility with your budget and weigh the benefits of being loan free.
What to Watch Out for When Getting a Personal Loan
With fixed-terms and set monthly payments, a personal loan can be a more attractive option than a balance transfer for those who fear the temptation of a credit card. However, a personal loan isn’t without its potential pitfalls. You need to understand all the...
How to Pick a Balance Transfer Card
You now understand how a balance transfer works and the ways you can maximize the benefits without falling victim to a trap. Now it’s time for us to talk about how to actually go about picking your balance transfer credit card! It starts with finding a good...
How Will a Balance Transfer Impact My Credit Score
When applying for a balance transfer credit card, it’s natural to fret a little -- or a lot -- about how this move will impact your credit score. And notice, I said “will” not “could” or “if” or “may”, because getting a new line of credit is definitely going to...
Tricks and Traps of a Balance Transfer
A balance transfer is one of the most efficient ways to slay credit card debt -- but that’s not profitable for the banks! Surprise, surprise, banks looooove when you pay oodles of money in interest. So even though banks allow you to transfer your balance and...
What is a Balance Transfer and How do They Work?
Wondering what balance transfers are and how they work? This post will answer just that and everything you need to know in order to get started with one.
7 Hacks to Pay Off your Car Loan Faster
Buying a car can be exciting, but parking that shiny new vehicle in the driveway often comes with something less fun: an auto loan. Most Americans who purchase a new car, and many who buy used vehicles too, do so with the help of financing. As cars get more...
Debt Snowball Method: What is it and How Does it Work?
You’ve faced your numbers. You have all your debts written down, a sensation of gloom and doom is curdling in your stomach and you’re thinking, “NOW WHAT?!” Now it’s time to decide which strategy you want to implement on your debt-free journey
Debt Avalanche Method: What is it and How Does it Work?
Now you know that debt snowball is the strategy that gives you that hit of dopamine during your slog of paying off debt by providing little wins along the way. It’s the psychologically correct approach for a lot of people, but debt avalanche is perfect for all the number nerds out there.
How to Pick Between Debt Snowball & Debt Avalanche
You’re educated on two great ways to pay off debt: Debt Snowball and Debt Avalanche. Now you have to make the choice about which one is actually the right fit for you. Don’t let the anxiety of having to make a decision paralyze you, because there’s some good news…
Debt
27 Articles
How to Know if You Should I Pay Off My Car Loan Early?
Here are the pros & cons of paying off your car loan early. Get the most flexibility with your budget and weigh the benefits of being loan free.
What to Watch Out for When Getting a Personal Loan
With fixed-terms and set monthly payments, a personal loan can be a more attractive option than a balance transfer for those who fear the temptation of a credit card. However, a personal loan isn’t without its potential pitfalls. You need to understand all the...
How to Pick a Balance Transfer Card
You now understand how a balance transfer works and the ways you can maximize the benefits without falling victim to a trap. Now it’s time for us to talk about how to actually go about picking your balance transfer credit card! It starts with finding a good...
How Will a Balance Transfer Impact My Credit Score
When applying for a balance transfer credit card, it’s natural to fret a little -- or a lot -- about how this move will impact your credit score. And notice, I said “will” not “could” or “if” or “may”, because getting a new line of credit is definitely going to...
Tricks and Traps of a Balance Transfer
A balance transfer is one of the most efficient ways to slay credit card debt -- but that’s not profitable for the banks! Surprise, surprise, banks looooove when you pay oodles of money in interest. So even though banks allow you to transfer your balance and...
What is a Balance Transfer and How do They Work?
Wondering what balance transfers are and how they work? This post will answer just that and everything you need to know in order to get started with one.
7 Hacks to Pay Off your Car Loan Faster
Buying a car can be exciting, but parking that shiny new vehicle in the driveway often comes with something less fun: an auto loan. Most Americans who purchase a new car, and many who buy used vehicles too, do so with the help of financing. As cars get more...
Debt Snowball Method: What is it and How Does it Work?
You’ve faced your numbers. You have all your debts written down, a sensation of gloom and doom is curdling in your stomach and you’re thinking, “NOW WHAT?!” Now it’s time to decide which strategy you want to implement on your debt-free journey
Debt Avalanche Method: What is it and How Does it Work?
Now you know that debt snowball is the strategy that gives you that hit of dopamine during your slog of paying off debt by providing little wins along the way. It’s the psychologically correct approach for a lot of people, but debt avalanche is perfect for all the number nerds out there.
How to Pick Between Debt Snowball & Debt Avalanche
You’re educated on two great ways to pay off debt: Debt Snowball and Debt Avalanche. Now you have to make the choice about which one is actually the right fit for you. Don’t let the anxiety of having to make a decision paralyze you, because there’s some good news…
The Hardest Step: Face Your Numbers
Find out everything about the debt snowball method so you can free up cash for your month-to-month expenses. Make a plan to improve your financial health today.
How to Negotiate Debt with Your Credit Card Company
Learn how to negotiate your debt with your credit card company. Find a debt management solution that works for you and get back on track.
How to Pay Off $10,000 in Credit Card Debt Fast
Having a lot of debt can be stressful. But, don’t worry — there’s hope. Here’s how to pay off $10,000 in credit card debt – fast!
6 Ways to Pay Off Multiple Credit Cards
Juggling several credit card payments can be tough. Don’t worry, though. We’ll help you find the best way to pay off multiple credit cards
Should You Get a Loan to Pay Off Credit Card Debt?
It is important to consider these scenarios when deciding whether or not to take out a personal loan to pay off existing debt.
How to Pay Off Credit Card Debt
While credit card debt is just part of life for many Americans, if you’re reading this, you probably don’t want it to be part of yours. Here’s what you need to know about paying off credit card debt for good.
11 Best Grants to Pay Off Student Loans
Find top grants for paying off your student loans & learn how to apply in minutes. Get updated info for 2019 on the best college debt loan & forgiveness plans.
10 Tips to Pay Off Student Loans Fast
Learn how to pay off student loans quickly with our 10 simple tips. Cut your debt quickly and free up your cashflow with our smart loan strategies.
Paying Off Student Loans: How Long Does It Really Take?
Learn how long it really takes to pay off your student loans. Get the info you need to make a smart payment plan, and discover how to pay off your debt.
How to Manage Debt as a Couple
Love and money can be a tricky matter. After you and your partner have disclosed your respective debt load, here’s how you can tackle that debt load together.