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Tag: Reduce Debt

What happens when I “refinance”?
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What happens when I “refinance”?

  • Posted on January 30, 2021January 30, 2021
  • by brightdime

“What is refinancing? I hear people talking about refinancing their home, their student loans, but what is refinancing and how does it work?” We frequently hear a version of this…

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How should I start setting financial goals?
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How should I start setting financial goals?

  • Posted on December 24, 2020March 4, 2022
  • by brightdime

Imagine that running a 5k has been one of your goals for a long time. You want to check it off your list so you’re preparing. Your alarm sounds an…

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Know the Risks of a 401(k) Loan Before You Borrow
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Know the Risks of a 401(k) Loan Before You Borrow

  • Posted on November 28, 2020April 5, 2021
  • by brightdime

Taking a loan from your 401(k) plan may seem like a good idea when you’re hit with a financial setback, especially when borrowing money from a bank may be difficult…

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Should I do a credit card balance transfer?
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Should I do a credit card balance transfer?

  • Posted on November 25, 2020November 25, 2020
  • by brightdime

Transferring the balance on your credit card to a new card with a lower (maybe even 0%) interest rate can be a big help when paying off debt if used…

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How can I save during the holidays?
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How can I save during the holidays?

  • Posted on November 20, 2020November 20, 2020
  • by brightdime

In the hustle and bustle of the holiday season, it’s easy to get caught up in spending and gift giving that ends up leaving you, and your finances, drained. This…

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What should I know about consolidating my federal student loans?
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What should I know about consolidating my federal student loans?

  • Posted on November 6, 2020November 13, 2020
  • by brightdime

If you have multiple federal student loans, you may be thinking about consolidating them into one loan. This can be done by applying for consolidation with no application fee, no…

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Should I refinance my student loans with a private lender?
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Should I refinance my student loans with a private lender?

  • Posted on October 28, 2020October 30, 2020
  • by brightdime

Refinancing student loans is similar in many ways to refinancing other loan options like mortgages or auto loans. There are two primary reasons you might consider refinancing a student loan.…

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Help! Should I refinance or consolidate my student loans?
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Help! Should I refinance or consolidate my student loans?

  • Posted on October 22, 2020November 21, 2021
  • by brightdime

Once upon a time, you went to college and landed a job. You did exactly what you were supposed to do! Except, now you have a collection of student debt…

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What can a financial coach help me with?
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What can a financial coach help me with?

  • Posted on October 17, 2020October 30, 2020
  • by brightdime

BrightDime’s financial coaches have expertise in a wide range of topics: budgeting, debt reduction strategies, insurance, workplace benefits, investment products, and on and on. So what is that they can…

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How can I overcome my money troubles right now?
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How can I overcome my money troubles right now?

  • Posted on August 28, 2020October 30, 2020
  • by brightdime

If you’re feeling panicked about your money right now, breathe and start reviewing your current situation with these six steps. #1. Let’s start with looking at your monthly income and…

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