Think credit cards are dangerous? Think again. Some personal finance gurus act like you’re holding a ticking time bomb, but the truth is—credit cards don’t get people into debt, bad decisions do. In this episode of The Get Out of Debt Guy Podcast, I’ll break down the real way to win the credit card game, …
In this episode of Get Out of Debt Guy, Damon Day and I discuss a major problem keeping people stuck in debt: misconceptions. I wrote an article explaining why so many people believe their financial situation will magically fix itself… even when all signs point the other way. We get into the science behind it—how …
So, you’ve made it through the worst of it. The calls from collectors have stopped, the pressure has eased, and the weight of debt that once felt suffocating is finally lifting. But now what? If you’re like most people who have climbed out of a financial crisis, you probably expected to feel relief, maybe even …
“Dear Steve, I’ve been getting a bunch of calls from “Citi Customers First Messaging”. They sound very much like Citi Cards (same voice on automated system). The person who comes on starts asking for personal info “to verify your identity”, then goes into a schpiel about lowering interest rates, reducing balances, etc, and asks for …
“Dear Steve, I’m employed full time and make about $45K/year as a 100% commission car salesman. My income has been practically cut in half since I purchased a home and vehicle on credit. I currently pay all of my bills on time and have FICO scores in the 700s. I have 6 credit cards nearly …