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Credit Counseling or Debt Consolidation?

Watch this Money Talks video explaining the differences between credit counselors and debt solution providers, and which one makes the most sense for you. For more with Stacy Johnson click Money Talks.


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How Interest-only Mortages Work (1:46)

Interest-only loans are commonly associated with mortgages. Learn more about interest-only loans in this HowStuffWorks video.

House Buying: How Much is Too Much? (3:44)

Watch this video from American Public Media showing how to figure out the maximum you can afford for your house payment. Interest rates, buying cycles and the economy will play key roles in this decision.

Mortgage Banking Explained (4:53)

Watch this video about mortgage banking on HowStuffWorks. Mortgages are comprised of monthly fees (sometimes called PITI), and collecting and distributing those PITI funds to lenders and taxing authorities is one of the most complicated jobs of... More »

Paying Off Student Loans (2:49)

Watch this video from American Public Media showing how to manage and pay off student loans. Most student loans are amortized over 10 years and you will save substantial money if you pay on-time, every month.

Tips for Retirement Saving (4:02)

Watch this video about retirement on HowStuffWorks. Saving for retirement can be a huge challenge and a new survey finds approximately 15 million working Americans aged 45 and over have taken on an unexpected financial burden by supporting their own... More »

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Credit and Credit Cards: Review (1:21)

One should follow these simple rules to use credit cards responsibly.

Credit and Credit Cards: Fees Can Hurt (0:38)

Avoid credit cards that charge annual fees. Always pay on time to avoid late fees.

Credit and Credit Cards: Interest Rates (3:16)

Interest charges can be avoided by paying off the balance each month.

Credit and Credit Cards: ATM Cash Advances (1:09)

Cash advances are costly due to the lack of a grace period and a higher interest rate.

Credit and Credit Cards: Take Notices Seriously (2:35)

Ignoring notices from credit card companies will make matters worse. Transferring balances can complicate finances.

Credit and Credit Cards: Common Pitfalls and Blunders (2:56)

Credit card theft should be reported immediately. Destroy credit card offers to avoid identity theft. Consolidation loans can be costly over the long term.

Credit and Credit Cards: Pay More Than the Minimum (1:25)

Making minimum payments is expensive over time. Interest charges can be avoided by paying off the balance each month.

Credit and Credit Cards: Credit as Spendable Income (1:45)

A credit line represents the value of a loan, not income.

Credit and Credit Cards: Right Number of Credit Cards (1:55)

It is advisable to have only one credit card and to pay it off monthly.

Credit and Credit Cards: Bad Credit Can Hurt (1:14)

Bad credit can have long-term negative effects on spending and getting a job.