I’m a certified public accountant who has authored two books on getting out of debt, Credit Hell and Power Up, and founded Consolidated Credit, an organization that has helped more than 5 million people climb out of credit card debt. Everyone should have a reason for living that’s bigger than themselves, and besides my family, mine is this: Teaching Americans how to live happily within their means. To me, money is not the root of all evil. Poor money management is. Money cannot buy happiness, but going into debt always buys misery. That’s why I launched Debt.com. I’m glad you’re here.
March 29, 2017
This week: A reader wants to dive into the stock market and clean up. But is he making a mess?
March 27, 2017
Here are some recent news nuggets that, taken together, may make a larger point.
March 22, 2017
A reader’s husband doesn’t use half his cards. Should he keep them for emergencies or get rid of them?
March 20, 2017
How can the greatest country on Earth not be so great with its money?
March 15, 2017
A reader wants to know how Howard hires.
March 13, 2017
This is shaping up to be a bad year for data breaches, but does anyone care?
March 8, 2017
A husband and wife have competing plans for getting out of debt. Alas, both are terrible.
March 6, 2017
Debt.com’s first #MySecondChance winner was selected randomly, but she’s acting deliberately.
March 1, 2017
A reader who just got out of a decade’s worth of debt wants to know what to do with her sudden surplus.
February 27, 2017
Nadia Garcia is the Debt.com’s 10th scholarship recipient, and the first twin to win.
February 22, 2017
A reader is upset her boyfriend only gives gift cards as presents. Here’s a compromise.
February 20, 2017
The generation that will soon take over the world has yet to conquer its own financial woes.
February 15, 2017
This week: A couple isn’t sure how to replace their two broken-down cars.
February 13, 2017
Here’s a new statistic that should strike fear into your family. Here’s what you can do about it.
February 8, 2017
This week: The Super Bowl blew up a boyfriend’s promise to pay off debt.
February 6, 2017
The answer depends on one factor. Sadly, no one’s talking about it.
February 1, 2017
This week: How Trump, gold bullion, and credit cards don’t mix.
January 25, 2017
A reader is angry at his Internet-unsafe fiancee.
January 23, 2017
You need to create a budget — although believe it or not, that’s a controversial statement.
January 18, 2017
This week: A couple wants a clean slate, but are they mucking up their nuptials?
January 16, 2017
It’s coming, but it’s not really his fault.
January 11, 2017
This week: A man has a dirty little secret he’s keeping from the love of his life.
January 9, 2017
I sadly predict massive computer hacking on a scale not seen in years past.
January 4, 2017
A reader is skeptical of financial experts — and he has a point.
January 2, 2017
Ronald Pan is the latest Debt.com scholarship winner, for three big reasons.
December 28, 2016
A young reader wants to know his financial options after high school.
December 26, 2016
Thieves and even family members are increasingly targeting senior citizens.
December 19, 2016
Don’t go into 2017 making financial mistakes. Give yourself the gift of financial freedom.
December 14, 2016
A reader has skipped Black Friday and Cyber Monday — and every other shopping day so far.
December 12, 2016
I love the November and December, but I fear January.
December 7, 2016
A reader is appalled at the way her boyfriend and his family celebrate the holidays
December 5, 2016
Three new polls prove we know what to do about money, but we just refuse to do it.
November 30, 2016
A reader is suspicious of all these “reward programs.” How can they possibly be legit?
November 28, 2016
It doesn’t matter how you got into debt. Let’s get you out.
November 23, 2016
A reader is offended by her fiance, but she’s got an amusing plan to even the odds.
November 21, 2016
While this is the time to give, many others are trying to take away.
November 14, 2016
The swimmer, dancer, and Debt.com spokesman just got a credit card. Here’s why that matters.
November 9, 2016
A reader is both scared and suspicious after receiving an email.
November 7, 2016
Abby Marion never gives up, so we gave in. She’s the ninth Debt.com scholarship winner.
November 2, 2016
A reader keeps hearing commercials about “settling back taxes.”
October 31, 2016
It’s not a candidate. It’s an attitude.
October 26, 2016
A reader worries that her husband doesn’t worry about saving for retirement.
October 24, 2016
I often worry about the financial future of the next generation. But it’s hard to tell whether my fears are misplaced with this research.
October 19, 2016
A mother has the money to lend her daughter for a jewelry business, but she’s not sure it’s a good idea.
October 17, 2016
Especially this campaign season, many people are complaining about television news. Here’s what TV got right this year.
October 10, 2016
I have very mixed feelings about this. So should you.
October 5, 2016
A reader wants to wait until Hillary Clinton launcher her “free college” program.
October 3, 2016
Follow these three steps, and you’ll avoid the latest, hottest brand of identity theft.
September 28, 2016
A reader’s spouse didn’t turn in his taxes this year. What happens now?
September 26, 2016
Remember this summer, when everyone predicted the next big financial crash? It might not happen.