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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.
Educate
Every post teaches one useful thing. No lectures, no jargon, no filler.
Research
We compare rates, fees, and current promotions across the market. You just pick from the winners.
Enrich
We work with top financial brands to get you offers and bonuses you won’t find on your own.
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Latest Money Tips
New tips every day. Browse the latest, or get the next one in your inbox.
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Pay Off Debt Above 8% Before Investing – But Take the 401(k) Match First
Before you weigh paying off debt against investing, collect your full 401(k) match. Then let each debt’s after-tax interest rate decide. Pay off any debt charging more than about 8% first, invest while you pay debt under 4% on schedule, and split your extra cash when a rate lands in between.
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Nonprofit Debt Management Plans Can Cut Card Rates to Single Digits – No Loan Needed
If card rates above 20% keep your balances from shrinking, ask a nonprofit credit counseling agency about a debt management plan. The agency asks your card issuers to lower those rates, often to single digits, and you pay off the cards with one monthly payment instead of a new loan.
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7 Credit Card Protections You Already Have – If You Pay With the Card
Your credit card may already include coverage you’d otherwise pay extra for. Check your card’s guide to benefits before you buy the rental counter’s damage waiver, a store’s extended warranty, or your carrier’s phone insurance. Then pay with the card that covers you, since the coverage applies only to what you charge to it.
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Zombie Debt – Don’t Pay a Cent Until You Check the Statute of Limitations
A collector calling about a debt you haven’t paid in years may have run out of time to sue you. That deadline is the statute of limitations, and in some states even a small payment or promise to pay restarts it. Pay nothing until you’ve checked your last payment date against your state’s deadline.
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How to File for Bankruptcy – Mostly Paperwork and One Meeting You Must Attend
Filing for bankruptcy follows the same steps in every court, from credit counseling before you file to the discharge that erases your eligible debts. A Chapter 7 case usually takes about four months, and a Chapter 13 case three to five years. Gather your income, debt, and property records before you meet with a lawyer.
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9 Ways to Pay Off Credit Cards Faster – Cut the Rate, Shrink the Balance
To pay off credit card debt faster and for less, stop new charges first, then cut your rate and send more money to the balance, sooner. When a rate cut lowers the payment you have to make, keep paying at least the old amount, so what you save in interest goes to the balance instead.
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Credit Card Rewards – 10 Ways to Get More Value From the Same Spending
Pay the full statement balance every month, or interest can cancel the rewards your credit card earns. Then put each purchase on the card that pays the most for it, and before you redeem points, work out what each one would be worth in cents.
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EIN-Only Corporate Cards – No Personal Guarantee If Your Company Has the Cash
An EIN-only corporate card approves your LLC or corporation on the company’s own cash and revenue, so you sign no personal guarantee and your personal credit isn’t checked. Before you apply, check the company’s bank balance and revenue against the card’s requirements, and plan to pay in full every billing cycle.
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.