Articles on Debt Management

What Are Secured Credit Cards?

Learn how secured credit cards are different from regular credit cards and prepaid cards, how they help rebuild credit, and how to choose one.

4 Ways Credit Cards Manipulate You Into More Debt

We humans aren't always rational. Learn four psychological tricks credit card companies use to capitalize on your irrationality and maximize your debt.

Consumer Reports Picks Top Credit Cards for Your Needs

Consumer Reports names the best cash-back, travel, and balance transfer credit cards of the year. Are your cards on the list?

How to Rebuild Your Credit in 8 Simple Steps

Bad credit will cost you more for insurance and loans, and may close some opportunities altogether. Learn how to rebuild a poor credit rating to an excellent one.

Taming Your Debt: Aggressive Repayment Strategies

Getting into debt is easy; getting out is the hard part. These strategies will help you aggressively attack and defeat your debts.

The Freedom of a Debt-Free Life

Living in debt can be like living in a cage. Discover the freedom of breaking free.

Always Answer the Call: Expert Advice on Debt Collection

Michelle Dunn has experience as both a debt collector and as a debtor. Get her expert advice on dealing with collections agencies.

Cancel Student Loans to Save — and Receive an Interest-Free 120-Day Loan

What's an easy way to have less debt? Return money you don't need. In federal loan lingo, it's called "canceling" your loan, and it can save you a lot.

When Avoiding Debt Is the Losing Strategy

It's almost always a good idea to stay out of debt. But sometimes, refusing to take on debt could hurt you in the long run.

Slow and Steady Wins the Debt Race

When you're in deep debt, bankruptcy can look appealing. However, the long way out of debt is usually the best way to get — and stay — out of debt.

Get Out of Debt? Why?

Spending money can be a lot of fun, especially when credit keeps things going. It begs a very simple question — why bother getting out of debt?

How to Do a Spending Fast in 16 (Easy!) Steps

If you're looking for a way to get out of debt fast, a spending fast might be right for you. Discover this somewhat extreme (but very effective) technique.

8 More Smart Things to Do With Your Tax Refund

Filing taxes can be a pain in the you-know-what, but it's all worth it when the refund arrives. Use the extra cash wisely with these eight suggestions.

How to Allocate Your Cash When You Are Broke

When you're in the red, it can feel like you'll never be able to crawl your way back into the black. Make it happen with this emergency plan.

SpringCoin to Pay Off $500 Debt for One Lucky Wise Bread Reader

SpringCoin is also giving away free lifetime debt management accounts valued at $96 per year!

How to Start Fighting Debt — Today

No matter how big it is, you CAN pay down your debt. Start today — right now! — with this simple action plan.

Surprising Things That Can Kill Your Credit

We're all familiar with the damage a late payment can do to a credit score. But there are plenty of other credit-sinkers you might not know about.

How to Not Be a Debt Slave

Getting into debt is easy — even recommended. Getting out of it — or avoiding it — is much more difficult. But it can be done.

How to Go on a Financial Detox

Spending too much? Learn how to perform a deep cleanse of your impulsive money mistakes and find balance in your checkbook.

What Easter Island Can Teach Us About Money

What do the iconic stone statues and barren landscape of Easter Island have to do with modern financial planning? As it turns out, quite a lot.