I want to consolidate my CC debt I want to consolidate all my card debt into one CC with no annual fee, but I am unexperienced in the subject and I don’t really know how to do it. Do I just call each CC company and tell them I want to tranfer my debt over or how does it work? submitted by /u/Dry_Cheesecake_5836

Student loans: 42k total. Should I consolidate or does it make it worse? Should I try a loan elsewhere to pay off MOHELA and pay another institution? I’m staring at my grad school loans. And I know how student loans are viewed by some. But I want to tackle my debt in 2025. The overall amount is broken into different loan chunks. I know to pay down one to lower the overall amount and interest. But is there any benefit to consolidating it? Each loan is at roughly 6%. Or is there any benefit fr…

Help! Consolidate onto one card or leave it alone? Hello. I owe a big balance on two different cards. Card A: $5,853 at 20.99% Card B: 8,699 at 17.99% There is no room to balance transfer remaining the balance from Card A (higher interest) to Card B (lower interest). However, I could move the balance from Card B to Card A, even though the interest rate is a bit higher. Is there any advantage to…

Considering taking on a Heloc to consolidate debt…..seeking advice I do believe I could slowly dig us out of this situation but, we’re considering accessing our homes equity to consolidate our debt into one place at a significantly decreased rate. We have been chipping away at our debt with the Ramsey method for a little over a year. No new purchases and no new credit lines. We have no intention to ever go int…

Should I consolidate my debt? Hello, I am a 27 f and over the past two years have started using credit cards and loans for the first time. I have about 2500$ in credit card debit and loan debit. The payments on all are manageable but I really want to pay the everything off and have just one loan I pay on. For reference 1 credit card is maxed out at 200$, the other is maxed a…

Consolidate Brokerage Accounts? Looking for some insight. TIA! So I have several brokerage accounts open and wonder if it’s better to let them stay separate or take a tax hit and combine. I don’t have any issues with these services, but I wonder if I am missing out on the magic of compounding returns by keeping them separate. Rough breakdown: Wealthfront – 17k Betterment – 17…

I have a 401k from a previous employer and a Simple IRA from my current one. Should I consolidate them? Hi! I’ve been thinking of moving the funds from my 401k that’s value is based on the stock price of the company with around $7700 in it to my current employer’s Simple IRA with about $5k in it. Should I leave them alone, consolidate it into the IRA, or see if I can consolidate it into the 401k? submitted by /u/bouncypinecone

Should I consolidate my Thrift Savings Plan into my current 401K plan? I am actively working to consolidate an old lost 401k account into my current one, while going through documents I realized that I never followed up on my TSP account – I served in the military for 5 years, contributed some (not nearly what I should have) but had around 7k by the time I stopped contributing (after separating). Is there any reaso…

Consolidate Student Loans or no? Hello, I have been wondering if I should consolidate my student loans so that I can lower my monthly payments. The only reason I am hesitant is because I plan on applying for a mortgage in the next 3-6 months. I could take the credit check for consolidation on my student loans and have more monthly income available for a mortgage, or I could le…

Best way to consolidate debt? I have 20k in debt, between 5 credit cards and 2 personal loans. The 2 loans I took out were Best Egg and OneMain, and they have both been unmanageable, with $300 monthly payments that seemingly all go toward interest and not the principal amount. I’m struggling to pay my bills. Is debt consolidation the best path? Any companies with a decent in…

When It Makes Sense to Consolidate Your Credit Card Debt (and When It Doesn’t) Even consolidated debt needs to be paid off as quickly as possible.

Consolidate photos between an external drive and my computer? I have photos on an external drive, and photos copied over from my windows to linux computer (am moving machines, the windows machine is dying). They’re all jpgs. I’m not sure how many photos, probably 30,000 on the external drive and about the same on the computer. They should mostl be duplicates of each other, but I want to make sure I have on…

Why should I not consolidate debt into a home equity loan? I think I’m just misunderstanding how it works. I have ~$10k in credit card debt being charged ~21-25% interest across three cards I’ve paid $5k on my mortgage loan (17k in interest in two years), and $40k was the down payment, so I have ~$45k in equity right? When I started typing this for some reason I thought what I take out would become part…

Home Equity Loan to Consolidate Debt? I am trying to determine if I should use a hone equity loan to consolidate debt and monthly payments. In summary, I have paid off over $50,000 in debt this year, but I have multiple accounts I am paying on and some have time limits before interest kick in. Details are below. Monthly take home: $10,000 Monthly spending: $6000 Home equity: estimat…

Numerous retirement accounts from previous employers…should I consolidate into a single account? So, I have worked for a few organizations over the years and have a TIAA-CREF 403(b) account and a Fidelity DCP account along with my Roth IRA. In my current job, I have an Empower RET 457(b) account that I contribute into to take advantage of a meager employer match along with a pension (assuming I remain with the org beyond the 5-year vest per…

having trouble figuring out how to consolidate 401ks One of my older 401ks is closing down service and we received a letter to move it elsewhere. I have an individual investment account in Fidelity and would like to just manage everything in one place if possible. Here is what I have: Mine: Empower Retirement (current employer) Fidelity 401k (former employer) ​ Wife’s Empower Retirement (Current E…

Should I get a title loan on my paid off vehicle to clear all my debts and consolidate them into one? Hi all, In may of 2022 I put myself into a good check of debt with personal loans and line of credit loans. I paid off two of the personal loans but I fell into a tight spot AGAIN and pulled the same two one more time. I have a good job now that I’ve had about 10 months but I am literally suffering from the either weekly or bi-weekly withdrawals…

Dealing with about $1,200 in debt payments monthly, who do we talk to consolidate and reduce how much we pay? I’m not even sure where to begin but the end is that my wife and I are coming up about $200-300 short on our income. I work two jobs, one brings home about $4,200/month and the other around $1,400/month. We have about $1,200/month in debt payments between (5) credit cards and (1) personal loan that we took out last summer in our original bid to …

Have 20 K in debt, do I take out a loan to consolidate all the debt? (US) Hello, I want to start by saying thanks for taking the time to read this, and secondly, I am horrible with money, which is why I find myself in the situation I am in. I currently have about 20K (USD) in high interest rate personal loans and credit cards. I was wondering if I should take a $20,000 loan at a 29% interest rate to consolidate all th…

Pluto Retrograde In Capricorn 2023 – Get Real – Consolidate Losses & Gains (update) Pluto is currently retrograde in Capricorn. It will be the sign for four months, before turning direct @ 27 degrees in October. Pluto won’t make it back into Aquarius until January 20th, 2024. This is a total of about seven … Read More…