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Citizens Blog

Is There an End to Credit Card Debt?

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Q: I’m in deep with credit card debt. It feels like I’ll be paying off these bills forever. Is there an end to credit card debt?

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The Post-Holiday Budget Recovery Guide

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The holidays are in the rearview, but if you’ve gone over budget with your spending, it’s time to deal with the aftermath, which is coming head-on. Here’s how you can get your budget back on track for the new year.

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Step 3 of 12 to Financial Wellness: Pay Down Debt

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You’ve tracked your spending, designed a budget for your monthly expenses, and you’re well on your way to financial wellness. In this next step, you’ll create a plan for paying down your existing debt.

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Debt Paydown: Snowball vs Avalanche Method

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Debt is the ultimate killjoy. It can destroy a budget, make long-term financial planning impossible, and shadow every purchase you make with guilt. No one wants to live with that debt burden. But how do you kiss your debt goodbye?

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Step 12 Toward a Debt-Free Life

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Is your debt shrinking? Have you gotten rid of one of your outstanding loans or lines of credit? Well, then it’s time to celebrate!

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Step 11 of 12 Toward a Debt-Free Life

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Update every bit of progress you make on the debt spreadsheet you created earlier this year. 

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Step 10 Toward a Debt-Free Life

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Now that you’re maximizing your payments toward the debt you’ve prioritized, make sure it happens by automating your payments.

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Step 9 Toward a Debt-Free Life

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Let your debt snowball grow by packing it with all your unexpected windfalls.

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Step 8 Toward a Debt-Free Life

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Increase your income this month to help you pay down debt.

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Step 7 Toward a Debt-Free Life

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You’ve organized your debt, you’ve set up an emergency fund and you’re working on spending less. You’re now ready to start getting rid of that debt…for good!

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