Guides

• Debt Snowball vs Debt Avalanche: Which Should You Use?

  How the snowball and avalanche methods work, what each one costs, and how to choose between them.

• How Credit Card Interest Works (and Why Minimums Take So Long)

  APR, monthly interest and why a small payment barely moves your balance, with a worked example.

• Is a Balance Transfer Worth It? Fees, Promo Periods and the Catch

  How transfer fees and promo periods work, when a transfer saves money, and what happens when the promo ends.