Author: National Debt Relief
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Understanding the Impact of Inflation and Higher Interest Rates on Your Credit Card Debt
Recent economic reports show that prices of groceries, gas, and rent across the U.S. are climbing quickly, with inflation at 3.8%, the highest in nearly two years. With inflation and interest rates both rising, many Americans are feeling the pinch. For…
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Good Reasons to Get a Personal Loan (and Reasons to Think Twice)
There are a lot of reasons to get a personal loan—but let’s be honest, not all of them are good. A personal loan can feel like a clean solution. You get a lump sum, a fixed payment, and a clear timeline. It looks organized. It feels manageable. But it’…
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Finance Charges on a Car Loan: What They Are and How To Estimate Them
If you’ve ever reviewed an auto loan agreement, you’ve probably seen a line labeled “finance charge” and thought, “Okay…that sounds important,” without being entirely sure what it actually means. And fair enough. It’s one of those terms that feels self…
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IRS Audit Red Flags Every Taxpayer Should Know
An audit doesn’t always mean that the IRS suspects you of fraud. However, if your tax return includes one or more IRS audit red flags, you might find yourself under investigation. Even if you know you haven’t done anything illegal, IRS audits can be ex…
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How to Deal With Medical Collections: A Step-by-Step Guide
Getting a notice about medical collections can feel like it came out of nowhere. One minute it’s a confusing bill, the next it’s a collection agency asking for money you’re not even sure you owe. Medical collections are more complicated than some other…
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How are Your Finances and Your Security Clearance Related?
Security clearances are a critical part of protecting national security, but they are also a very practical career asset—for service members, defense contractors, federal civilians, and many people in adjacent fields like cybersecurity and intelligence…
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How to Build Financial Discipline That Actually Lasts
Do you struggle with financial discipline? If so, you’re not alone. It’s not because you’re lazy or bad with money. It’s because temptations to spend are built into everyday life. If you’re like many people, you want to learn how to avoid impulse spend…
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How to Request a Credit Limit Increase (and How Much to Ask For)
At some point, many people look at their credit card limit and think: This feels a little tight. Maybe you’re brushing up against it every month. Maybe your income’s gone up. Or maybe you just want a little more breathing room without opening a new car…
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Do You Want a Low or High APR When Borrowing?
When you borrow money, you agree to pay it back with interest. The lender usually sets the interest. On loan documents, it’s often expressed as an annual percentage rate (APR). If you’re about to get a credit card, take out a loan, or otherwise borrow …
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A Step-by-Step Guide to Becoming Debt-Free
Waking up with debt hanging over your head can feel like carrying an invisible, heavy backpack everywhere you go. If you are stressed about bills, you are definitely not alone, and it is important to realize that learning how to get out of debt is a jo…