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Credit counseling helps you start the year with a plan by transforming vague financial resolutions into a concrete, actionable roadmap. By partnering with a certified credit counselor, you gain a structured budget, a clear understanding of your debt-to-income ratio, and access to tools such as Debt Management Plans (DMPs) that lower interest rates and consolidate payments, turning your desire for…

Discover used to allow users of the Discover debit card to transfer cash back earned on that card to a Discover credit card. This was useful as Discover often has gift cards on sale that you can redeem Discover credit card cash back for (but not Discover debit card cash back for).  Not a huge change, but might impact some…

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Update 1/3/26: Promotion is back through 12/31/26, same terms. Hat tip to RM Offer at a glance Maximum bonus amount: $750 Availability: CA, IL, NJ, NY, TX, VA Direct deposit required: No Additional requirements: See below Hard/soft pull: Soft pull ChexSystems: Unknown, not sensitive Credit card funding: Unknown Monthly fees: $8, avoidable Early account termination fee: Six months, bonus forfeit Household limit: None listed Expiration date: None listed The Offer Direct link…

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To recover from holiday spending without stress, you must first assess the damage by tallying all holiday receipts and statements. Once you have the total, create a recovery budget that excludes discretionary spending and prioritizes debt repayment using strategies such as the debt snowball or avalanche. Accelerate this process by reducing nonessential expenses (such as subscriptions or dining out) and…