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Deal with your debt

Having debt hanging over your head is a burden that can easily prevent you from hitting your savings goals and improving your financial stature.

An online marketplace called Credible can help you consolidate your debts into one monthly payment with a low interest rate.

Combining your debts into a single loan will help you pay down what you owe faster, and potentially save you hundreds in interest.

It might also be useful to sit down with a financial adviser to discuss both your current situation and where you’re hoping to head in the future. Finding an adviser that’s a good fit for your specific needs can take a lot of legwork though, especially if you’re doing it on your own.

If you want to get some professional advice on managing your finances, Zoe Financial can match you with a vetted financial adviser in minutes, based on your answers to a few basic questions.

Kiss Your Credit Card Debt Goodbye

Millions of Americans are struggling to crawl out of debt in the face of record-high interest rates. A personal loan offers lower interest rates and fixed payments, making it a smart choice to consolidate high-interest credit card debt. It helps save money, simplifies payments, and accelerates debt payoff. Credible is a free online service that shows you the best lending options to pay off your credit card debt fast — and save a ton in interest.

Explore better rates

Build a budget

Sizing up your spending and building a budget might seem like a chore, but once you get past the initial shock of learning just how much you spend each month (those delivery fees add up!), the process is actually pretty simple, and it’s extremely important if you want to get ahead.

First, make a list of your short- and long-term goals — things like creating an emergency fund or saving for a vacation.

Next, take a look at your bank statements for the previous month and sort everything into two columns: wants and needs. Needs are things like groceries and rent, wants are things like Netflix and cocktails. Include your goals in the needs column, so that you’re always putting your savings before your spending.

Finally, compare your list to your monthly net income, and start making adjustments. Prioritize your needs, and see where you can trim some fat from your wants. Any money you can shave off the wants column can go towards your goals in the needs column.

You can use an app called Acorns to put your savings on autopilot. Once you’ve installed the app and linked your bank account, the app will round up every purchase you make to the nearest dollar and invest the spare change. That way, you can work towards your savings goals a few cents at a time without even thinking about it.

Diversify your investments

Investing is a key part of climbing the financial ladder and taking your income to the next level. But following headlines about a blockbuster stock (and experiencing FOMO) has more in common with playing Powerball than building a powerful portfolio. To that end, diversification is crucial.

Commercial real estate has long been a solid choice for investors looking to diversify and add stability to their portfolios. For years, investing in commercial real estate was only an option for the ultra-wealthy — but that’s no longer the case.

With First National Realty Partners, accredited investors of all levels can invest in grocery-anchored commercial real estate properties and expect quarterly income. FNRP’s team of experts will manage every step of the investing process, so you won’t have to worry about whether you’re making the right moves.


This 2 Minute Move Could Knock $500/Year off Your Car Insurance in 2024

Saving money on car insurance with BestMoney is a simple way to reduce your expenses. You’ll often get the same, or even better, insurance for less than what you’re paying right now.

There’s no reason not to at least try this free service. Check out BestMoney today, and take a turn in the right direction.

Moneywise Moneywise Editorial Team

The Moneywise Editorial Team is a group of passionate financial experts, seasoned journalists, and content creators who are deeply committed to providing unbiased, relevant, and accurate financial information. With years of combined industry experience, our team is dedicated to maintaining the highest journalistic standards and delivering informative and engaging content. From personal finance and investing to retirement planning and business finance, we cover a broad range of topics to suit the financial needs of our diverse readership. You can trust the Moneywise Editorial Team to empower you with the knowledge and tools necessary to make wise financial decisions.


The content provided on Moneywise is information to help users become financially literate. It is neither tax nor legal advice, is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Tax, investment and all other decisions should be made, as appropriate, only with guidance from a qualified professional. We make no representation or warranty of any kind, either express or implied, with respect to the data provided, the timeliness thereof, the results to be obtained by the use thereof or any other matter.