’s writers are journalists, personal finance experts, and certified credit counselors. Their advice about money – how to make it, how to save it, and how to spend it – is based on, collectively, a century of personal finance experience. They’ve been featured in media outlets ranging from The New York Times to USA Today, from Forbes to FOX News, and from MSN to CBS.

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Early repayment of loans

Should I File for Bankruptcy?

Are you in debt and unable to afford even the minimum payments? It may be time to stop fighting the inevitable and file for bankruptcy. It may feel like you’re quitting, but in truth, filing for bankruptcy can be the first step to a new financial beginning. Table of Contents You may have been pondering […]

Woman choose one credit card from many, concept of credit card debt,

How to Deal with Credit Card Debt in Bankruptcy

Realizing that you cannot pay off credit card debt can be gut-wrenching. Minimum payments go mostly towards covering accrued monthly interest charges, while the principal barely gets touched. You have no extra disposable income and have no way of getting ahead in payments. Bankruptcy can be a way to regain control of your personal finances […]

Getting through Bankruptcy

Chapter 11 Bankruptcy

Chapter 11 bankruptcy is also known as “reorganization bankruptcy.” It can also be called “business bankruptcy” because it’s primarily meant for businesses, including small businesses, sole proprietorships and partnerships. However, it can also be used by individuals whose assets are too big to qualify for Chapter 7 or Chapter 13. Table of Contents Chapter 11 […]

Petition to file bankruptcy

A Beginner’s Guide to Bankruptcy and Homestead Exemptions

A common fear in filing for bankruptcy is that you will lose everything in exchange for discharging your debt. However, the reality is that even with Chapter 7, where assets get liquidated, very few filers end up losing anything. In fact, only about 4% of people who file end up losing assets. That’s thanks to federal […]

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Credit Card Debt Negotiation

Despite the pandemic leading to record unemployment last year, Americans managed to pay off record amounts of credit card debt, largely thanks to two rounds of stimulus.[1] What’s more, the federal government leaned on credit card companies to be flexible, asking them to extend deferment options, where customers could reduce or pause payments completely.  However, […]

Credit card cash advances

What is a Cash Advance and is it a Good Idea to Get One?

If you suddenly need cash, you can typically use your credit card in any ATM to get some money. But it is a costly process. While this is often called a “cash advance,” in reality, it is an expensive loan from your credit card company. Only use cash advances for emergencies and never use credit […]

SU dollars blue background

How to Make a Cash Envelope System strives to provide our users with helpful information while remaining unbiased and truthful. We hold our sponsors and partners to the highest industry standards. Once vetted, those sponsors may compensate us for clicks and transactions that occur from a link within this page. Stop wasteful spending now by learning how to make a cash […]

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