When you want to get out of debt, save for an emergency fund, or even build up enough cash to buy a new car, there are two things you need to do. You can lower your expenses or you can bring in more cash.

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It’s pretty easy for people to say “get out of debt” to someone looking for financial advice. After all, if you don’t owe anyone money you’ll get to keep more of what you earn.

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Keeping your credit score up can sometimes be a struggle. Making wise money choices in all aspects of your life will go a long way to making that easier. Debt, late payments, and failing to budget are definite credit killers, and setting yourself on the right path should start the moment you have money to spend.

For recent college grads with student loans, it’s imperative that you manage the repayment of student loans to the best of your ability.

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Closing your open debts is generally one of the best things you can do for your credit score. When you owe less, you’ll almost always see your score go up. But if you can’t actually pay these debts, closing them becomes much harder.

There are a number of ways you can work to reduce your debt besides simply paying them down.

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You’ve heard that in order to maintain a good credit score, you should never miss a credit card payment. This is an essential first step and having a system to avoid late payments is a must. But did you know that there are more things you can do with just that card payment that will help boost your score? We’ve got two more things you can do to reduce debt and raise your credit score.

Each month, your credit card will tell you the minimum amount due at that time.

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