Citizens Blog

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?

Your credit score is made up of three numbers, serving as an indicator of your financial history, wellness and responsibility. These three little numbers can spell the difference between approval and rejection for a mortgage, a job, a rental unit and so much more.

A personal loan can be used for more than paying off debt. Here are 6 ways you can use a personal loan you might not have though about.

The holidays are here, and many consumers have begun their biggest spending spree of the year. If you are worried about racking up too much debt, here are a few suggestions to help you rein in your spending.

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

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

This month, you’re going to organize your finances. Hold onto every receipt, bill, paystub and invoice you produce throughout the month. Sometime during the last week of May, sit down with all of your paperwork and start crunching the numbers.

You may be feeling impatient to start more aggressively paying down debt, but it’s important to first create an emergency fund.

In the age of plastic spending and mobile payments, it’s easier than ever to buy stuff you can’t pay for right away while supporting a lifestyle you can’t really afford. Look at seven red flags that might mean you’re living beyond your means and the steps you can take to get back on track.