Almost Debt Free Holiday Planning

Planning An Almost Debt-Free Holiday Season

Decorating your home, buying gifts and making elaborate holiday meals are just a few of the things that make the holiday season so special year after year. Holiday fun is a great escape from the doldrums of everyday life, but all that fun and diversion can get pricey. Instead of spending on the holidays and worrying about the debt later, we recommend following some planning guidelines. Your holiday season doesn’t have to be totally debt-free, but these tips will help you spend what you can afford to pay back.

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Gen Z Credit Card Use

A New Generation of Credit Card Debt: Gen Z and Credit Card Use

As Gen Z-ers enter their twenties there has been a dramatic increase in their credit card use. At 31.4 million strong, credit-eligible Gen Z-ers make up 40% of all consumers in the United States. This influx of new spenders has reinvigorated the credit card industry after the lull it experienced when millennials were coming of age during the 2008 recession. 

Why is this new generation so eager to use credit cards and will they learn from struggles of their parents and millennial counterparts?

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Transfer Credit Card Balance to Partner

Transferring a Credit Card Balance to your Partner

There are several ways to transfer responsibility for a credit card balance from one person to another. While someone could certainly pay your credit card debt on your behalf with a bank account, transferring ownership of the debt itself is more complicated. In order to address the mechanics of transferring a credit card balance to your partner, we should first address some fundamentals of a traditional credit card balance transfer.

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