Howard Dvorkin, CPA

Howard Dvorkin

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 I’m glad you’re here.

Woman Christmas Shopping.

It’s The Most Dangerous Time Of The Year!

December 18, 2017

One weekend left for Christmas shopping. Be careful out there.

Convincing My Boyfriend To Buy Fewer Gifts.

How Can I Convince My Boyfriend To Buy Fewer Gifts This Holiday Season?

December 13, 2017

A reader is upset that her otherwise thrifty boyfriend goes crazy at the end of the year.

This dancing couple shows a frugal wedding can still be great

Why Your Marriage Will Last Longer The Less You Spend On The Wedding

December 11, 2017

Spending wisely on a wedding doesn’t make you an unromantic frugality robot.

Calculating a debt settlement plan

Is Debt Management Or Debt Settlement Better For Me?

December 6, 2017

A reader is deep in debt, but one plan is better than the others.

Our scholarship winner has a student loan plan’s Latest Scholarship Winner Is Scared Of Student Loans

December 4, 2017

That’s why she applies for 10 scholarships a week.

recession chart

More Bad News For Recession 2018

November 27, 2017

The economy is humming along, but one stat really worries me.

Loose change in an open book is sprouting a small plant

Where Is The Outrage About Financial Literacy?

November 20, 2017

We’re still not teaching our children what they need to know about money.

Numbers and Percentages

Dvorkin On Debt: What Do These Numbers Mean?

November 13, 2017 has a Friday feature called By The Numbers. It’s compiled by our editors and consists of four randomly weird facts they’ve stumbled across each week while researching the finance-related information we post every day. The feature has become quite popular on social media, so today I’ll pay homage with a much less strange set of […]

Woman with medical debt and credit card debt sits upset at her laptop

I’ve Never Been In Debt Before, But Now I’m Sick. How Do I Avoid Debt Now?

November 8, 2017

A reader has lived a frugal life, but now her personal health may affect her personal finances.

recession chart

What The “Next Recession” Experts Are Missing

November 6, 2017

It’s so obvious, why aren’t they mentioning it?

Can a Debt Management Program Hurt My Chances To Buy A House?

Will A Debt Management Program Hurt My Chances To Buy A House?

November 1, 2017

A reader is finishing a DMP but wants to buy a home. Good news awaits him.

Americans And Their Money

3 Discouraging (And 2 Encouraging) Facts About Americans And Their Money

October 30, 2017

Americans’ status with their finances? It’s complicated.

Capitalism a Way Out Of Debt

In Defense Of Capitalism As A Way To Get Out Of Debt

October 23, 2017

As social issues roil the country, some have attacked our basic economics. They’re wrong.

Group of credit cards.

Will Credit Cards I Don’t Use Hurt My Credit Score — Or Help It?

October 18, 2017

A reader has credit cards with no balances. Should she close them or keep them?

Young clever woman during her job and money conversation

I Have Two Job Offers, Both At The Same Salary. Which Will Pay Me More?

October 16, 2017

A reader knows salary isn’t the only way to make money.

A stack of $100 bills is why you need to read about these money facts

3 Revealing Money Facts You Probably Haven’t Heard About

October 16, 2017

Recent research is both encouraging and depressing, but sadly more of the latter.

Couple with Money

We Might Win $100,000. What Should We Do With It?

October 11, 2017

A reader is looking at a six-figure windfall, but her husband is about to make an expensive mistake.

Money Tree in a Storm.

Who Exactly Will Survive The Next Recession?

October 9, 2017

It may depend somewhat on where you live, but it DEFINITELY depends on what you’re doing right now. Scholarship Winner: Going To College While Teaching School

October 2, 2017

A Pennsylvania woman needs new scholarships to pay off old student loans.

Natural disaster can strike anywhere like this flooding

Where Is the Safest Place To Live In The United States?

September 27, 2017

A reader doesn’t want to spend money repairing his home after a natural disaster.

An ICMARC bus explains retirement benefits to employees

Why 3 Obscure Polls Are Good News About America’s Debt

September 25, 2017

No one is talking about them, but they should. So I will.

Paying off my debt means eating ramen all the time

How Can I Pay Off My Credit Cards Without Eating Ramen Noodles Forever?

September 20, 2017

A reader wants to pay off his credit card debt, but he also wants to eat.

The Equifax hack was not difficult to pull off

Will The Equifax Breach Be the Beginning Of Something Wonderful?

September 18, 2017

American businesses and citizens haven’t taken identity theft seriously. They might from now on.

Man is in shock over his back taxes bill

How Can I Not Freak Out About The IRS And My Back Taxes?

September 13, 2017

A reader’s “idiot cousin” got him into tax debt. What can he do about the IRS — and his idiot cousin?

A teenage driver behind the wheel could hurt your car insurance

Car Insurance for Your Teen Will Drive You Crazy

September 11, 2017

They’ll also (literally) drive you into the poor house.

The Equifax logo

What Equifax’s Data Breach Means to You

September 8, 2017

Something complicated happened Thursday, and it sounds bad. Actually, it’s worse than that.

Magic Hat Trick

What Tricks Can I Use To Raise My Credit Score?

September 6, 2017

A reader wants to buy a house, but his credit score is “in the toilet.”

Reducing Student Loan Debt

Are Student Loans Going To Cause The Next Recession?

September 4, 2017

With more than $1.3 trillion in student loan debt in this country, it’s long been a mantra that “student loans are too big to fail.” However, they might now be too big to succeed. In July, Citi released a 166-page report innocuously titled, Education: Back to Basics. Buried on page 81 was this hand grenade… […]

Mortgage loan officer calculates costs on a residential home loan during the underwriting and approval process

Is Mortgage Really Considered “Good Debt”?

August 30, 2017

A reader wants to know when too much of a good thing is bad.

This Teenager Probably Knows More About Money Than You Do

This Teenager Probably Knows More About Money Than You Do

August 28, 2017

The latest scholarship winner loves profit and nonprofits.

New cars lined up on an auto dealership showroom floor, waiting for car buying financed through auto loans

Am I An Idiot For Wanting To Lease A Car?

August 23, 2017

A reader’s girlfriend says he should buy instead of lease.

Howard Dvorkin’s next recession prediction starts with an auto loan bubble, but it originates from used car lots.

One More Reason Why I Still Fear An Auto-matic Recession

August 21, 2017

It has to do with cars, but not really auto loans.

President Donald Trump?

Does Hate President Trump?

August 16, 2017

A reader is mad, but is his anger misplaced?

Woman depressed in the summer

The Most Depressing Statistic of the Summer

August 14, 2017

Trust me, you’ll never guess what it is.

A private stash of hundreds of dollars hidden under the floor boards

How Do I Hide Money From My Girlfriend So I Can Hide It From My Wife?

August 9, 2017

A reader wants to start deceiving his girlfriend before he gets married.

Partisan issues should not affect small business owners

Small Business Isn’t A Partisan Issue

August 7, 2017

Here’s proof that small business has no political party ties.

student loan debt collection

Does The Government REALLY Want To Help Me Pay Off My Student Loans?

August 2, 2017

This week: A reader is trying to find legitimate ways to lessen his payments, but it’s not easy.

Debt buyers are quietly trading America's past-due debt

Americans Are Buried in Debt, But What About the Rest of the World?

July 31, 2017

Sadly, we’re No. 1 in one of the categories we don’t want to be.

health savings accounts

How Can I Save Major Money On Minor Surgery?

July 26, 2017

A reader is looking for healthcare savings before she needs a procedure.

Facts about money management illustration shows man thinking about saving money

3 Profitable Facts About Your Workplace

July 24, 2017

Learn how to make more money from these new studies.

Older business woman gets a menopause hot flash sitting in front of her office computer

How Can I Stop Sweating About My HVAC Loan?

July 19, 2017

A reader declared bankruptcy, but her air conditioning unit is the real problem now.

Victims are interested in learning exactly how do people steal identities

You’re More Likely To be A Victim Of This Crime If You Have Less To Steal

July 17, 2017

If you’re deeply in debt and have no money for anyone to steal, you’re wrong.

Strings of 101010 computer code spanning across the image, with IDENTITY THEFT embedded in red

How Can I NOT Be a Victim Of Identity Theft?

July 12, 2017

This week: After her bank account is riddled with fraudulent checks, she wonders: Is anyone safe?

When you add it up, rewards mean nothing if you don’t eliminate credit card debt quickly.

Make Money By Being Disloyal — To Your Credit Card

July 10, 2017

Your loyalty program isn’t saving you money, and it’s your fault.

federal funds rate

Will I Make More Money Buying A House Or Paying Off My Credit Cards?

July 5, 2017

A reader and her husband want a new house, but they don’t want old debt, either.

John Pawloski

This Scholarship Winner Is No Joke

July 3, 2017

John Pawloski is making a career change you’ll never believe.

You can buy a car from a dealership even if you recently declared bankruptcy

Will Bankruptcy Keep Me From Buying A Car?

June 28, 2017

A reader went bankrupt, and now years later, she needs a new set of wheels. debt news illustration by Ivan Benavides: Female student walks towards hole as businessman considers housing market

Debt News You Probably Haven’t Heard — But Should

June 26, 2017

This week: clueless about student loans, passionless about work, passionate about boycotts.

irs flexible on tax payments

How Friendly Is The IRS? Will They Work With Us?

June 21, 2017

This week: A reader needs to rely on the kindness of the IRS. Believe it or not, that can work.

Stained glass window of Moses carrying the 10 Commandments. Which Commandment can predict your debt?

How One Of the 10 Commandments Can Predict Your Debt

June 19, 2017

If you break this Commandment, you’re probably broke.