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Why you shouldn't shy away from credit cards

Credit cards are a necessary aspect to a well rounded and healthy personal financial life. Learn more about why credit cards are a necessity.

Make this the year you get out of debt

Getting out of debt may take a sustained commitment to pay down balances and change your spending.

Ditch debt and start saving

Getting yourself out of debt requires a solid plan. Get pointers on how you can reduce your credit card or student loan debt and start saving.

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What is a credit card's grace period?

A credit card's grace period can be defined as a period of time during which the cardholder is not charged interest on a balance, typically lasting at least 21 days.

How to protect your credit in a divorce

Your credit can take a negative hit during divorce procedures. Learn how to protect your credit while going through divorce.

What is the 'right' number of credit cards?

Is there such a thing as too many credit cards?

Does canceling a credit card hurt your credit?

Will canceling credit cards impact your credit score? Learn about the financial implications of canceling your credit card.

How you could be using your credit cards all wrong

How do you utilize your credit cards? This article outlines ways that may show you how you could be using your credit cards incorrectly.

5 tips for getting out of debt on a limited budget

Getting out of debt isn't easy. Getting out of debt on a budget is even harder. Learn how you can escape debt while still sticking to your budget.

Effective methods to use to get on top of small business debt

Small businesses often find themselves in debt. This article outlines effective methods for entrepreneurs to use in order to help get out of small business debt.

5 mistakes keeping you in credit card debt

Are you struggling to get out of credit card debt? These five financial mistakes may be keeping you in credit card debt. Learn how you can start to get out of credit card debt.

How to use a debt avalanche to eliminate your debt

Are you crippled by debt? Learn how you can get out of debt by using a debt avalanche.

What to do when your bills exceed your income

Paying bills is never fun, but when your income is lower than what your bills charge, you may be in hot water. Find out how you can protect your personal finances while still paying your bills on time.

Why being frugal doesn't always help you save

Being frugal can often be confused with saving money. Learn the difference between frugality and saving money to help you save more and budget effectively.

What you need to know about credit card limits

Credit card limits are determined by your lender, based on your credit score, FICO score, and more. Learn the basics of credit card limits to help you better understand how credit cards work.

How to put your financial life together after a money catastrophe

Financial crises can decimate your personal finances and financial livelihood. Learn the steps that you can take to recover from a financial crisis and get your personal finances back on track.

Digging out of debt: different "shovels" for different people

Paying off debt can be a crucial part of establishing your financial independence. Learn how you can customize your strategy to pay off your debt.

How to use a credit card wisely

Credit cards come with a lot of financial responsibility. Read through these credit card tips to learn how you can use a credit card wisely.

Credit and debit card tips for international travel

Get your credit and debit card ready for international travel.

3 mortgage tricks every homeowner should know about

Taking out a mortgage on your house is a massive financial commitment. Learn these mortgage tips and tricks to help keep your personal finance on track.

10 credit tips from someone with a perfect credit score

Looking to raise your credit score? Here are some credit tips from someone who has a perfect credit score and can help you boost your credit.

5 ways to pay off your car loan faster

Paying off your car loan can feel like a lengthy process. Learn tips on how you can get out of debt and pay off your loans quickly.

Find the right credit card the right way

Credit cards are an important tool to help you build credit, but how do you know which credit card to pick? Learn how to choose your credit card carefully here.

Avoid these top 5 mistakes when trying to improve your credit

Improve your credit by avoiding these 5 credit mistakes. Learn about how you can improve your credit over time.

How a 31-year-old paid off $220K in student loans in 3 years

Student loans can take years to pay off. Read how one woman paid off over $200K in student loan debt in just 3 years.

Will a new mortgage hurt my credit score?

A new mortgage could impact your current credit score. This article explains how your credit report may be impacted by a new mortgage.

Is a 700 credit score the magic number?

Credit scores are incredibly important to maintaining your personal finance. This article discusses the possibility of finding the perfect credit score.

7 shocking ways you could be hurting your credit score

Most are aware of the financial benefits associated with maintaining good credit, but few are aware of these little known ways that you could be accidentally hurting your credit score.

Your credit card minimum payment is just that—a minimum

Do you pay your credit card payments in full? This article explains what a credit card minimum payment is, and more importantly what it means to you when paying your credit card bill.

Your credit score isn't affected by these 5 factors

Your credit score is affected by numerous factors. This article sheds some light on factors you may have previously thought affected your credit report, but actually don't.

7 ways to increase debt payoff momentum

Paying off debt routinely is not always easy. This article examines 7 ways you can increase your debt payoff momentum.

What are my student loan repayment options?

Wondering what your best options are for repaying your student loans? This article outlines the many choices you have in deciding which student loan repayment plan is right for you.

4 reasons for a low credit score despite paying your bills on time

Do you have a low credit score despite paying your bills on time? This article outlines four potential reasons your credit score is not where it should be, despite your bills being paid on time

5 things you didn't know about your credit score

Want to demystify your credit score? Read here for tips on maintaining, building, and fixing your credit.

Why we pay our credit card bills more than once per month

Paying your credit card bills more than just once a month may actually help keep you financially responsible. Read here for information on this strategy and if it will work for you.

How to avoid defaulting on your student loans

Do you have student loan debt? Read here to learn tips to help you from defaulting on your student loans.

How your credit score impacts your mortgage and loan rates

Your credit score can impact your mortgage and loan rates. Read here to find out how.

How often does your credit score change?

Here are some insights into the ever changing world of credit scores. Read here to learn more.

What to consider before you get a loan

Are you thinking of taking out a loan? Read this article for tips on what to consider before getting a loan.

Applying for a credit limit increase: what you should know

Are you applying for a credit limit increase? Here is what you need to know.

How to manage student loan debt

Student loan debt can often seem insurmountable. Read this article to find information on managing your student loan debt.

How do medical bills affect your credit?

Have you or a loved one accumulated medical bills recently? Read here to find out how medical bills can affect your credit.

Comparing your many credit scores

Read here to find out how to compare your multiple credit scores.

How borrowing more raises your credit score

Are you trying to raise your credit score? Read here to find out how borrowing more may actually have a positive impact on your credit score.

Why the type of account matters to your credit score

Read here to find out what type of account impacts your credit score.

3 reasons to use a digital wallet

Paying with just a wave of your phone can actually be more secure than using a credit card.

This one factor affects your credit score more than anything else

Is your credit score lower than you'd like it to be? Read this article to find out the one factor that affects your credit score more than anything else.

A complete guide to the debt snowball

The debt snowball, and its supercharged better half, the debt avalanche, are powerful tools to eliminate debt. In this guide we’ll walk through the debt snowball and how it can help anybody get out of debt.

6 numbers you need to know to actually get out of debt

Trying to get out of debt? Start with knowing these six numbers and you're half way there.

Why living with your parents is not as bad as you think

Regardless of all of the negative connotations, living at home can provide some wonderful financial benefits. Learn more.

Buy vs. lease?
Which one is right for you?

Figuring out whether to buy or lease a car is not as complicated as you might think. Check out this infographic and learn which option might be best for you.

7 debt payoffs that boost your credit score the most

If you are looking to increase your credit score, here are some ways to improve your score by tackling certain debts head on.

Is your credit score killing your love life?

As finances are a cornerstone conversation of any serious relationship, learn how your credit score could affect your future.

Get motivated to pay off your student loans with these tips

With some planning, persistence, and the right motivation, you can eliminate your student loan debt and move on with your life. Learn how.

How to stop financial peer pressure

Feeling the pressure to spend from always going out with friends? Use these tips to avoid overspending with friends and roommates.

4 signs you're abusing your credit cards

Worried you're charging too much on your credit cards? If any of these credit card warning signs sound familiar it might be time to change your spending habits.

A financial planner takes her advice on the road

Having trouble sticking to your budget and saving money? Learn how curbing non-essential spending and making better estimations of your income can help.

12 ways to get the lowest mortgage refinance rates

If you're considering refinancing your mortgage, you probably want to find the lowest possible mortgage refinance rates. Here's how.

How one woman paid off $24,000 of debt in 15 months

Do you have more debt than you would like? Read this article to find out how one woman paid off all of her debt in a matter of months!

8 things you should always buy with a credit card

There are some situations when it's smarter to choose credit over debit—as long as you pay your bills on time, that is. Use your credit card for these 8 types of purchases.

This mortgage trick could save you thousands

A simple mortgage repayment trick could save you thousands in interest. Read this article to learn how.

7 ways to increase your credit score fast

Is your credit score lower than you'd like it to be? Check out this article to find out 7 ways to increase your credit score, and fast!

6 ways not to use your home equity line of credit

Take a look these 6 worst ways to use your home equity line of credit before you write that check.

How to tackle the top 3 student loan issues

Student debt is a growing concern. Read this article to learn about how you could manage the top 3 issues.

5 expenses that will cost more because of a low credit score

Learn about the 5 services and products that you may pay more for because of a low credit score.

4 things you never knew about credit scores

Learn the basics of credit scores, plus 4 other useful facts that our contributors want you to know.

Paying biggest debts first might not be best, study says

Snowballing your debts—paying them smallest to largest regardless of interest—might not make sense mathematically, but it just may work better for you.

Split Decisions: Buy a car or lease it

Jean Chatzky weighs the pros and cons of buying or leasing a car. See how her rationale applies to you. (2:26)

Your debt-to-credit ratio is important

Your debt-to-credit ratio may in some ways be more important to lenders than the amount of debt you have. Learn about how it's determined.

3 menacing myths about student loans

Find out the 3 common student loan myths so you don't fall into potential traps set by lenders.

Lower student loan payments - yes or no?

What student loan repayment strategy should you follow? Get the details on what your monthly payment should be according to your needs.

Building credit? What to know about credit cards

Although they're sometimes thought of as dangerous, credit cards can actually be integral to building a healthy credit score.

Money basics: How to prioritize debt

Between credit cards, student loans, and mortgages, there are many types of debt out there. Watch this video for three tips that can help you tackle it all. (1:55)

Save thousands on your student loan debt

Preparing for extra interest from unsubsidized loans before the six-month grace period ends can help you reduce your cumulative loan burden. Learn how to prepare.

Paying for grad school loan options 101

Paying for graduate school may seem like a daunting prospect, but it can be done. Get the breakdown on the two main types of grad school loans.
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What makes up a credit score?

Your credit score is a measurement based on the activity in your credit report. The score is used by lenders and others when deciding to approve you for things like loans, credit cards, and apartment leases. There are five elements that make up your credit score. Learn more about them here.

Split Decisions - Student debt or retirement


See all Jean Chatzky videos

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2% cash back on everyday purchases1

Deposit your cash rewards into an eligible Fidelity account. No annual fees.