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WHAT WE DO
We can all be Money Crashers
Anyone, at any stage of life, can get good with money. It just has to be explained straight. That’s what we do, one short tip at a time.
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Every post teaches one useful thing. No lectures, no jargon, no filler.
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Latest Money Tips
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How Many Credit Cards You Need – Usually Two or Three, Each With a Job
Two or three credit cards cover most people: an everyday card, one that pays more where you spend the most, and maybe a backup or travel card. Before you open another, make sure it would earn meaningfully more than your current cards on what you actually buy, after any annual fee, or fill a gap they leave.
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8 Options When You Can’t Pay Your Debts – Save Settlement and Bankruptcy for Last
When you can’t keep up with your debts, work through the ways to repay them in full before you consider debt settlement or bankruptcy. Those two cut what you owe but can stay on your credit reports for seven years or longer, so use them only for debt you couldn’t repay within about five years.
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8 Ways to Rebuild Your Credit After Bankruptcy – Start the Day After Discharge
After a bankruptcy, the sooner you start adding on-time payments, the sooner your credit score recovers. Once your discharge comes through, check that every discharged debt shows a zero balance on your credit reports. Then open one new account, pay it on time every month, and keep any card balance low.
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5 Ways to Pay Off Your Student Loans Faster – and When Not To
To clear your student loans sooner, put extra payments toward principal on your highest-rate loan, and find out whether your employer or your state will pay part of the balance. Before you prepay a federal loan, check that you’ll repay it in full, since extra payments on a loan headed for forgiveness only shrink the amount forgiven.
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Refinancing a Personal Loan – The Fee and the Term Decide Whether It Pays
Refinance a personal loan only when the new annual percentage rate (APR), which includes any origination fee, beats the interest rate you pay now. Then compare total cost rather than the monthly payment, since a longer term can wipe out the savings, and count any prepayment penalty your current loan charges.
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Credit Report Rights Are Free – Use Them Yearly, Not Just When You Apply
Federal law gives you free credit reports, free investigations of errors, free credit freezes, and a way to stop preapproved credit offers. Don’t save them for the day you apply. Once a year, pull your reports from all three credit bureaus, dispute anything wrong, freeze your credit, and opt out of those offers.
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Federal Student Loans Aren’t Bankruptcy-Proof – The Government Now Backs Qualifying Cases
Bankruptcy can erase federal student loans when repaying them would leave you unable to afford basic living costs for years. Since 2022, government lawyers have used a standard form to decide when to support that relief for loans the Education Department holds. If your income barely covers essentials and that won’t change, ask a bankruptcy attorney whether you qualify.
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Closing a Paid-Off Credit Card Can Lower Your Score – Pay Down Other Balances First
A zero balance doesn’t protect your credit score when you close a credit card and carry balances on your other cards. Its limit stops counting toward your available credit, so those balances take up a bigger share of it. Pay them down first, and if you’re applying for a big loan soon, wait until it’s final.
WHY WE DO IT
Money Crashers’ mission
Money should work for you, not the other way around. We keep you on the right side of that deal with tips you can act on the day you read them.
We only write what’s useful.
Every piece starts with the same question: how useful is this to our readers? When the honest answer is “not very,” we don’t publish it.
We do the homework so you don’t have to.
We run the numbers, read the fine print, and weigh the alternatives. You get the conclusion, not the pile of research.
Trust is our No. 1 priority.
No clickbait headlines. Affiliate partners don’t buy our opinions. When a product isn’t worth it, we say so.