Start here · 12 lessons
I need to start over
Build a true budget, fix credit report errors, know your rights with collectors, rebuild credit safely and find free legal help. Take these in order. One a day is plenty. Ticking “Done” is saved only on this device.
- Your first budget in 20 minutes
Start from monthly take-home pay. Subtract fixed bills, a share of yearly costs, savings, then everyday spending. Below zero? Cut flexible spending first.
- Overdrafts and fees, and how to avoid them
Overdraft fees can run about $35 a purchase. Opt out of debit-card overdraft coverage and set a low-balance alert.
- Reading your credit report
Get all three reports free, weekly, at AnnualCreditReport.com, and check every account, address and late payment.
- Disputing errors on your report
Disputes are free. Write to the credit bureau and the company that reported it, with copies of your proof.
- Debt collectors: your rights
Within five days a collector must send validation info. Dispute in writing within 30 days to make them verify.
- Payday loans and other expensive traps
A typical $15-per-$100 payday fee works out to an APR of almost 400%. Ask about credit union alternatives first.
- How much to save, starting small
Make your first savings goal the size of a surprise bill you've actually had, like a car repair, then grow it.
- Your first credit card
Start with a secured or student card, use under 30% of the limit, and set autopay so you never miss a payment.
- Freezing your credit
Freeze free at Equifax, Experian and TransUnion so no one can open credit in your name. Lift it when you apply.
- Getting free legal help
For eviction, deposits, debt or unpaid wages, find legal aid with LSC's map or your state's LawHelp.org site.
- Bouncing back after a setback
Tell someone who listens, protect sleep and meals, break the problem into pieces, and do one concrete thing today.
- Stress vs. something more
Stress fades when the problem is handled. Two weeks or more of low mood or lost interest is worth a professional's look.