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What is the cost to own an automobile? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial decisions by offering interactive tools and financial calculators as well as publishing unique and impartial content. We also allow you to conduct research and compare data for free - so that you can make informed financial decisions. Bankrate has partnerships with issuers such as, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The offers that appear on this site are from companies that compensate us. This compensation could affect how and when products are featured on this site, including, for example, the sequence in which they appear in the listing categories in the event that they are not permitted by law. This applies to our mortgage home equity, mortgage and other home loan products. But this compensation does have no impact on the information we publish, or the reviews that you read on this site. We do not include the vast array of companies or financial offerings that could be accessible to you.

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5 min read published September 15, 2022

Written by Allison Martin Written by

Allison Martin's work began over 10 years ago as a digital content strategist. She's been featured in a variety of top financial media outlets such as The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com.

Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since the end of 2021. They are committed to helping readers gain confidence to take control of their finances with clear, well-researched data that break otherwise complicated subjects into digestible pieces.

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At Bankrate we are committed to helping you make smarter financial decisions. We adhere to the highest standards of ethical standards ,

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Founded in 1976, Bankrate has a long record of helping people make wise financial choices.

We've maintained our reputation for more than 40 years by simplifying the process of financial decision-making

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who ensure everything we publish ensures that everything we publish is accurate, objective and reliable. Our loans editors and reporters focus on the areas that consumers are concerned about the most -- the various kinds of loans available, the best rates, the best lenders, ways to repay debt, and more -- so you're able to be confident about making your investment.

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You have money questions. Bankrate can help. Our experts have helped you understand your finances for more than four years. We continually strive to give consumers the professional advice and tools needed to succeed throughout life's financial journey. Bankrate follows a strict policy, which means you can be confident that our content is truthful and accurate. Our award-winning editors and journalists create honest and accurate information to assist you in making the right financial decisions. The content we create by our editorial team is factual, objective and uninfluenced through our sponsors. We're open about how we are capable of bringing high-quality content, competitive rates, and helpful tools to you by explaining how we earn money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for placement of sponsored products and, services, or by you clicking on certain hyperlinks on our website. Therefore, this compensation may affect the way, location and when products are listed, except where prohibited by law. This is the case for our loan products, such as mortgages and home equity, and other home lending products. Other factors, like our own proprietary website rules and whether or not a product is available in your region or within your own personal credit score can also impact the manner in which products are featured on this site. We strive to provide a wide range offers, Bankrate does not include details about every credit or financial product or service.

Although the price tag of a vehicle will direct you towards the model and model that's best for you however, it's not the only cost that you must keep in mind before making the purchase. The cost of maintenance and repairs, as well as fuel automobile insurance, as well as annual registration renewals need to be considered when choosing the vehicle best suits your budget and needs. How to estimate the true costs of car ownership determine the true costs of owning a car, you'll need to consider many factors, including repairs and maintenance , gas expenses and registration fees. You also have to consider fees, taxes and car depreciation. By doing your research in advance so that you don't get sucked by the laundry list of charges and will be able to determine that you are able to afford what you are driving from the parking lot. Repairs and maintenance scheduled maintenance can cost less than $100 for each visit, however, the cost will increase with older cars. can help you determine cost averages according to your vehicle's type, make and model as well as the mileage. Today's vehicles can cover 5,000 miles or more between scheduled maintenance visits however, it's not recommended to delay maintenance visits in order in order to save money on maintenance costs. You should always follow the manufacturer's car maintenance schedule found in the owner's manual of your vehicle to maximize the life of your car . Also, make sure that the manufacturer doesn't invalidate the warranty of your new vehicle. Car insurance Although the majority of states do not have their drivers purchase insurance for their cars, for the majority of drivers it is an important consideration when calculating the true costs of owning a car. Insurance can provide you with hundreds of millions of dollars in the case of collision and the average motorist has to pay . The most efficient method of determining your auto insurance costs is by looking at quotes from several firms. Your insurance rate can vary according to your age, accident history, yearly mileage as well as gender, the type of vehicle you own and much more. Cost of gas the gas station varies because of demand, taxes and even the location. If you're a potential car purchaser, you can prepare for the expected cost by looking at your car's fuel economy on . A "good" gasoline mileage of cars that are not hybrids is around 20-30 miles per gallon. However, hybrids and electric vehicles could reach 50 to 100 miles per gallon, or more, according to . It is also important to think about the fuel octane and type of fuel needed. A high-performance vehicle will require higher-octane premium gasoline that could affect your budget monthly. However, you can save money on gas by comparing the best deals before taking a fill-up at the pump. Registration, fees, taxes If you purchase a car, there will always be charges to be paid after you're ready make the purchase. The three main ones are vehicle registration fee, taxes for documentation, as well as sales tax. The registration fee varies by state. In some states, registration costs are less than $100 annually, but other states charge closer to $200. That cost can also be affected by the cost and age of the vehicle. The documentation fee is for the paperwork that comes with the purchase of a new car. Dealers often use this fee as a chance to get extra money. Some states impose a documentation fee limit of $100 to $200, however many states do not control documentation fees. Make sure you check the rules of your state before time to be prepared to negotiate if that number is too steep. Sales tax is also different depending on the state. The residents of California can expect to pay 10.25 percentage tax for their car, however, customers in Michigan can expect taxes to be as low as 6 percent. A car tax rate calculator will help you avoid surprises when you sign the contract. Depreciation is the rate at which it loses value over time. It shows the difference between what it's worth now compared to when you first bought it. It's an important factor because you may lose money if you own a vehicle with an extremely high rate of depreciation. can help you determine the rate of depreciation for potential vehicles over a period of five years as certain cars appreciate more quickly than others. In general, new cars depreciate faster than used cars. How can you reduce your car's costs In addition to researching before you sign a contract there are numerous daily ways to cut down on your car's expenses when the car is yours: Avoid driving too fast and accelerate too fast: Speeding, speedy acceleration and sudden braking all decrease your car's gas mileage. Driving the speed limit -or a little less than is a good way to reduce your gas bill at the pump. Pick a reliable mechanic: Shop around with a few mechanics, and check reviews on the internet before choosing one. Establishing a rapport with a reputable mechanic will guarantee fair prices. Maintain your car according to the schedule: It can be tempting to ignore routine maintenance and service visits, but following the manufacturer's recommended schedule will stop your vehicle from breaking down. Plus, you can possibly save money on repairs. Consider a defensive driving class Numerous insurance companies provide discounts to drivers who successfully complete online defensive driving training. Be careful not to over-use the air conditioner by using the air conditioning when not needed could significantly impact the fuel efficiency. When it's possible to do so, open the windows instead of cranking up the air. Find out about auto insurance: Some providers offer far more affordable rates on auto insurance than other providers. Take your time and look around for the best deal best suited to your needs. Map out your routes: laying your routes in advance reduces unnecessary trips and lowers fuel costs. Earn rewards from gas purchases Make use of loyalty reward programs offered through select credit card issuers and gas stations. Experts recommend that you spend less than 10 to 15 percent of your monthly earnings on a car loan. You must also factor in the cost of maintaining your vehicle, which should not exceed more than 7 percent which would make the total between 17 and 21% of pay. How can you save money from your auto loan Shopping around to find it can aid in reducing your expenses associated with owning a car. Before you begin your search, check your credit score to find out where you stand since lenders will use it to decide the rate they will offer you. In the event that your score isn't up to standard, request copies of your credit reports from the three largest credit bureaus including Experian, TransUnion and Equifax Review the information. File disputes if you spot issues and find any areas of your credit report you have to improve that may affect your credit score down. If your credit score isn't at par and you need an auto loan now, is also a potential option. Next, seek out rate quotes to determine the best rates on financing. Many lenders let you online without hurting your credit score. Additionally, you can also utilize these rate quotes as leverage when you are negotiating a purchase price with the dealer. If you're ready to apply for a loan, select the lender with the terms that will allow you to sign the contract. Be aware to note that the greater the loan period, the greater cost of interest you'll be paying even if you make an affordable monthly installment. The bottom line Car maintenance costs, insurance , and added fees can leave you in a tough financial position if you're prepared for these costs. Plan ahead and review your budget to ensure you are able to afford the car you're purchasing. Make sure you do your research before you apply for a loan to secure the best deal on financing. Find out more

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Allison Martin's work began over 10 years ago as a digital media strategist, and she's since published in numerous prestigious financial outlets, including The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com.

The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since late 2021. They are passionate about helping readers gain the confidence to take control of their finances through providing clear, well-researched information that breaks down complex topics into manageable bites.

Auto loans editor

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ACE Elite Prepaid Debit Card Review

Advertiser disclosure You're our first priority. Everytime. We believe everyone should be able to make sound financial decisions without hesitation. And while our site does not include every company or financial product in the marketplace, we're proud of the guidance we provide, the information we provide as well as the tools we design are independent, objective, straightforward -- and completely free. How do we earn money? Our partners compensate us. This can influence the products we review and write about (and the way they appear on our site) However, it does not affect our suggestions or recommendations that are based on thousands of hours of study. Our partners cannot pay us to guarantee favorable ratings of their goods or services. .

ACE Elite Prepaid Debit Card Review

by Spencer Tierney Senior Writer | Certificates of deposit, ethical banking, banking deposit accounts Spencer Tierney is a consumer bank writer for NerdWallet. He has been writing about personal finance since 2013 with a focus on certificates of deposit as well as other banking-related topics. The work he has written for him was covered on The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among other publications. He is located in Berkeley, California.

Updated Oct 1, 2018

Editor: Amy Hubbard Amy is a former banking editor and copy editor for NerdWallet. She was previously an editor and writer in The Los Angeles Times, the L.A. Daily News and the Hollywood Reporter, among other publications.

The majority or all of the items featured on this page come from our partners, who pay us. This influences which products we review and the location and manner in which the product is featured on a page. However, this does not influence our evaluations. Our views are entirely ours. Here's a list and .

2.0 NerdWallet rating NerdWallet's ratings are made by our editorial team. The scoring formulas take into account many data points for each financial service and product.

At ACE Cash Express

It's possible that the ACE Elite prepaid debit card could cost more than its worth. The card, managed by NetSpend and issued through MetaBank It comes with a few additional features that aren't found offered by other credit cards, like an interest-bearing savings account, however the costs for the card can add up. If you've got direct deposit, you can lower some charges. But there are .

Find out more about the ACE Elite's charges and other services.

Ideal for:

Those who can't sign up for an bank account, want to receive direct deposit and take advantage of the savings feature.

Pros

It's free to sign up for the card online. The sign-up procedure is straightforward. You'll need your Social Security number when you register, but there's no credit check.

Discount on the monthly fee. If you've got at 500 in direct deposit per month (from the government or from payroll), you can be included in the FeeAdvantage Plan which is $60 per year.

It can take up to two days for direct deposit. Companies and government agencies may pay you earlier than the official payday, but banks usually wait to process the funds. ACE Elite can process direct deposits faster, but it depends on whether they receive your money earlier or not.

Monthly plans don't have the expense of purchasing. The majority of prepaid debit cards do not charge fees for using the cards at shops However, ACE Elite's pay as you go plan does -- 1 cent per purchase. The card's two monthly plans, however, keep purchases free.

Three reload options are free. Direct deposits, online transfers made from an additional ACE Elite card and mobile check deposits that have a 10-day processing are all free. Transfers from bank accounts may be free, however it is dependent on the bank.

Savings account that offers an APY of 5% for the first $1,000. This percent yield per year is very high but once you have reached $1,000, the rate decreases to 0.50 percent APY for the remaining balance. It means that you will get $50 of interest for the first $1,000, and $5 on the next $1,000 and the same rate for the next. If you pay one year's worth of fees, the price alone may outweigh any you make in interest.

Click here to see more options See our selection of

Cons

The monthly fees are high. Prepaid debit cards usually have a monthly fee around $5, in the average, however, the ACE Elite fee is $9.95.

Other charges. If you stop using this ACE Elite card for 90 days or want to request a cash payment for the balance of your card and you're charged a $5.95 cost. There's also a fee to purchase the card at stores, up to $9.95 as well as a one-time fee of $1 for transactions that are declined as well as fees for certain calls to customer service.

There is no free-withdrawal service for customers. To withdraw cash at any ATM or at a bank costs $2.50 each time.

There is an overdraft option available. One of the major selling points for most credit cards for prepaid debit is that they do not charge overdraft fees if your account dips into the negative. ACE Elite, like other NetSpend-managed cards, has an overdraft program with 15 overdraft charges and a maximum of 3 per month. This is lower than the majority of banks' overdraft plans, however, it is not the best option to help you budget.

There's no free method to transfer money manually, but it's fast. Transfers online take days to process and the option of processing mobile check deposits within minutes can cost at least 2% of the check amount.

No free-reload network. Reloads of cash at stores in NetSpend's Reload Network, such as CVS Pharmacy and 7-Eleven, are quick, but come with the cost of $3.95 which varies depending on the store. Certain locations do not charge however some do.

A brief overview of debit cards for prepaid

What is a debit card that is prepaid?

A Prepaid debit card can be described as a form of credit card that lets you spend the money you load onto the card. They don't help you build credit. Similar to a debit card the prepaid card can be used at any merchant which accepts its payment network, which includes Visa, Mastercard or American Express. It's safer and more convenient as opposed to cash. The prepaid cards usually have a mobile app to deposit checks and transfer funds. Learn more on our guide on prepaid debit cards.

In contrast to checking accounts, prepaid debit cards might not have certain services, like free ATM or branch networks and checks, to name a few. If none of that appeals to you, check out our top list of checking accounts. If you've been struggling with banks before consider second-chance checking options.

Prepaid debit card vs. debit card vs. credit card

Credit cards with prepaid cards -- make payments before: You load money onto the card through cash or checks or direct deposit to the bank account before paying for transactions.

Debit cards -- pay now Use funds directly from a checking account to pay for purchases or withdrawing funds from an ATM.

Credit cards -Pay later: You take money from a bank when you make use of the card. You pay it back later.

How does FDIC insurance for prepaid cards work?

Prepaid debit cards nearly always include FDIC insurance, which helps keep your money safe in the event that the issuer goes bankrupt. Only financial institutions are eligible for FDIC insurance, so the prepaid card must be controlled by a bank or a prepaid credit card company that partners with a bank to provide the insurance. You must sign up your prepaid debit card with your name and other information about your identity to be eligible for FDIC insurance as well as other protections.

Author bio Spencer Tierney is a writer and NerdWallet's official authority on deposit certificates. The work of Spencer Tierney has been featured by USA Today and the Los Angeles Times.

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Is now a good moment to purchase an electric vehicle? Considerations when financing an EV Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial decisions by offering you interactive tools and financial calculators that provide objective and original content. We also allow you to conduct research and analyze data for free and help you make informed financial decisions. Bankrate has partnerships with issuers including, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this site come from companies who pay us. This compensation may impact how and where products are displayed on this website, for example the order in which they may appear within the listing categories, except where prohibited by law for our loan products, such as mortgages and home equity, and other products for home loans. However, this compensation will have no impact on the information we provide, or the reviews that you read on this site. We do not cover the entire universe of businesses or financial deals that could be available to you.

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7 minutes read. Published February 27, 2023

Writen by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers with the ways and pitfalls of taking out loans to purchase an automobile.

Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate from late 2021. They are passionate about helping readers gain confidence to take control of their finances through providing precise, well-researched and well-researched content that breaks down otherwise complex topics into manageable bites.

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At Bankrate we are committed to helping you make better financial choices. While we are committed to strict journalistic integrity ,

this post may contain references to products from our partners. Here's an explanation for how we make money .

The Bankrate promise

In 1976, Bankrate was founded. Bankrate has a proven track record of helping people make smart financial choices.

We've maintained our reputation for over four decades by demystifying the financial decision-making

process and giving people confidence about the actions they should follow next. process and gives people confidence in the next step.

You can rest assured that we'll put your interests first. All of our content was created with and edited ,

They ensure that what we write is objective, accurate and reliable. The loans journalists and editors concentrate on the things that consumers care about most -- various kinds of loans available as well as the most favorable rates, the best lenders, the best ways to pay off debt and more -- so you can feel confident when investing your money.

Integrity in editing

Bankrate adheres to a strict code of conduct standard of conduct, which means you can be confident that we'll put your needs first. Our award-winning editors, reporters and editors produce honest and reliable information to assist you in making the right financial decisions. Our main principles are that we appreciate your trust. Our mission is to offer readers reliable and honest information. We have editorial standards in place to ensure this happens. Our editors and reporters thoroughly verify the truthfulness of content in order to make sure the information you're reading is accurate. We maintain a firewall between advertisers as well as our editorial staff. Our editorial team does not receive compensation directly by our advertising partners. Editorial Independence Bankrate's editorial staff writes in the name of YOU - the reader. Our goal is to give you the best advice that will aid you in making informed personal finance decisions. We follow strict guidelines to ensure that our editorial content isn't influenced by advertisers. Our editorial team is not paid directly from advertisers, and our content is thoroughly verified to guarantee its accuracy. Therefore, whether you're reading an article or review, you can be sure that you're receiving reliable and reliable information.

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There are money-related questions. Bankrate has answers. Our experts have been helping you manage your money for over four decades. We are constantly striving to give our customers the right advice and the tools required to succeed throughout life's financial journey. Bankrate adheres to strict standards policy, which means you can be confident that our content is truthful and precise. Our award-winning editors, reporters and editors produce honest and reliable content that will help you make the right financial decisions. The content created by our editorial staff is honest, truthful and is not influenced by our advertisers. We're transparent about the ways we're capable of bringing high-quality information, competitive rates and helpful tools to you , by describing how we earn money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated for the placement of sponsored products and, services, or by you clicking on certain hyperlinks on our site. Therefore, this compensation may affect the way, location and when products appear within listing categories in the event that they are not permitted by law. This is the case for our mortgage or home equity products, as well as other home lending products. Other factors, like our own website rules and whether or not a product is available within your region or within your self-selected credit score range can also impact the way and place products are listed on this website. Although we try to offer the most diverse selection of products, Bankrate does not include details about every financial or credit product or service.

It is a financial strain car ownership starting from the first purchase through filling up at the gas station, hit record highs for drivers in the last year. Although gas prices have climbed down to $3.38 in February. 24 as per AAA -the cost of financing a car is becoming more expensive as . The average cost for financing is $700 a month for new vehicle financing and $525 for used in 2022's third quarter, . With steep costs to fill out and fund, and the ever-present worries over climate change, many motorists are itching for another option. Perhaps you're asking "Should I purchase an electric vehicle?" And you wouldn't be the only one. Electric vehicle (EV) sales have increased in the past few years, and TransUnion believes that the EV market share will grow to . However, the high upfront cost of electric vehicles could not be suitable for all drivers. Do I need to buy an electric vehicle? The decision to purchase electric is one that should be considered with the same vigor as selecting the model and the maker of the next vehicle. For some, the ease of low maintenance will make the expensive cost of the price worth it. "From the point of view of a pure consumer standpoint, purchasing an electric vehicle will be extremely positive," says Brian Moody who is executive editor at Autotrader. "In addition to that, driving in electric cars is very rewarding. It is quicker and more efficient, and electric cars come with cool features like the ability to heat up the vehicle's interior prior to hitting the road." If you don't have a fully electric vehicle, a hybrid or plug-in model could be more efficient than gas-powered models and being kinder on your wallet than an electric vehicle. According to Moody explains, these typically have a lower price tag as well. They "function as an electric vehicle for everyday use, consuming gas only for long journeys." This can be a viable option for people who want to drive electric but not ready to commit fully. The electric car market has seen tremendous innovation over the last two years and is expected to continue to grow. While upfront costs have historically been prohibitive, they're decreasing as more options are made accessible and established brands move into the electric car market. In the U.S. auto market is shifting toward electric Record-high gas prices might have helped propel EV sales. Electric vehicles comprised 5.7 percent of all new vehicle registrations in Q2 2022, according to . That may not seem big but it's a significant improvement from the 1.5 percent of EVs in Q2 2018. The increasing interest in electric vehicles has led to improvements in financing options such as tax credits and tax rebates. This increased market is among the main reasons to consider buying an electric vehicle. While Tesla currently dominates the market, TransUnion predicts the luxury brand will lose its percent of market in 2025 due to the increasing number of innovative and mainstream models coming into the market. Moody has a similar view regarding vehicle availability. "It was once the case that there were only one or two small or very expensive electric cars. While EVs cost more overall, some individual models are more reasonably priced. For example Kia EV6 and Chevrolet Bolt. Kia EV6 and Chevrolet Bolt." The Nissan Leaf is another cost-effective alternative to EVs. EV drivers share almost the exact same credit profiles as those driving luxury Satyan Merchant the senior vice president and business leader for automotive at TransUnion has witnessed a rise in the popularity of EV financing, and an ensuing influence on the entire automotive finance market. The study by TransUnion for 2022 found that of the 33 million customers between 2019 to 2021 who took out new EV and traditional vehicle loans, most EV borrowers had nearly identical credit profiles as those who drive luxurious cars. Those driving regular EVs had an average score for credit of 775, which falls in the top category. They also had an average APR of 2.8 percent. This is less than the median APR that was 4.9 percent for all new cars that are available to people with credit in the prime category. The low average APR for EVs isn't just due to the strong credit ratings of these motorists. Buyers are generally also making . The study also revealed that drivers were more likely to commence their . In reality, more than one-third did online research on the vehicle types and makes. Merchant states, "Our research clearly shows that consumers of electric vehicles have good credit risk profiles, but the group has different preferences, with a greater interest in looking for financing options via electronic means." The greater interest will likely be reflected in new options for EV financing combined with an increase in the number of vehicles available over the next few years. Alternatives for environmentally friendly financing are increasing. The growing demand for electric cars has also led to advancements in financing. While motorists can use or borrow for their electric vehicles, lenders specifically for EVs are gaining popularity and provide drivers with a tailored experience by offering . Alex Liegl, CEO of Tenet, discusses the company's work on EV financing and its aim to make climate investment an easy decision. The Tenet method "gives customers the ability to control upfront costs for investment and also save money from down payments to pay for other expenses," Liegl says. In addition the deferment option that shifts one quarter of the purchase price to one final payment at end of the financing term. This will result in smaller monthly payments and a streamlined financing experience -however, a substantial amount might be due at the end. The aim, Liegl says, is to "help customers fully transform their lives with electricity by making environmentally sustainable home improvements more affordable, including the installation of solar panels and battery backups and electric vehicles, smart appliances and more." Other organizations, like the ones listed above , serve as a marketplace for loan prequalification that is directly linked to EV incentives and green loans available throughout your region. According to their website, consumers can save up to $200 per month on their monthly electric vehicle loan payments. Are EVs able to have less cost over their lifetime? Therefore what makes an electric car worth it? The positive feelings that come with operating a vehicle that is more sustainable to the planet isn't always the sole reason why people are switching to electric cars. There's also the potential to save money. While it is true that gasoline is used up while driving, in certain cases driving electric can be cheaper in the long run. In a 2020 survey, electric vehicle owners have saved on average and repairs over the course of their ownership, according to Consumer Reports. This is due to the distinct differences in maintenance that EVs have. These vehicles do not require oil maintenance and have an easier powertrain. Drivers of battery-electric vehicles and plug-in hybrid vehicles paid only 3 cents per mile during the lifetime of the vehicle as opposed to 6 cents for traditional vehicles. But driving electric isn't completely rosy. CNET, an affiliate of the Red Ventures company, reported on a study from 2021 from We Predict that found . Although it's true that drivers do not have to pay the cost associated with , like oil changes and simple inspections, electric components are more costly when it comes to repairs. This means that the longer maintenance times and more expensive replacement parts can make electric vehicles more expensive, or even less more expensive than driving gasoline-powered vehicles. Moreover, electric cars can be more efficient than gas-powered cars due to the speed of tech advancements and the increasing demand for EVs is helping to stabilize prices at the moment. How to finance an electric car The process of an electric vehicle is fairly similar to the process of financing a conventional gasoline-powered car. It is important for you to take the exact procedure you normally would, as well as understand the terms available and the weight that your credit score and history carry. As previously mentioned, driving electric also carries federal and potential state benefits that you wouldn't traditionally have access to. One of these is , an incentive of $7,500 that applies to new, qualified plug-in and fuel-cell electric vehicles. If you buy a new vehicle in 2023, you might also be able to receive an Federal tax credits . The car can't be bought for more than $25,000. If the vehicle is eligible for credits up to 30 percent of the sales cost, with a maximum of $4,000. The federal tax credits are both accompanied with income limits and car requirements, so you need to make sure that you and your future EV are eligible before you begin. In addition, you may be able to claim the state tax credit based on where you live. Consider these questions before purchasing an electric car and operating an electric vehicle comes with an additional number of demands that you may not have dealt with before. Think about these issues. 1. What is the range of the vehicle? It is important to check the distance your vehicle can take you for both your normal commute as well as your daily travel. Energy.gov reports the average range for 2021 model year vehicles with the potential to cover up to 405 miles. Fortunately, motorists will have lesser "range anxiety" because vehicles are catching up with technology available. But it is wise to evaluate your requirements by incorporating your typical commute and expected leisure activities. 2. Should I consider leasing before purchasing an electric car? "Leasing an electric car can be a great way to try out the waters of electric car ownership," Moody says. The cost is typically lower on a month-to-month basis and typically comes with a warranty. If you're on the fence about driving electric, consider leasing one to check out the experience and feel. 3. Are I able to connect charging stations for my vehicle in my neighborhood? Even though it is true that the Electric Vehicle Council found that the majority of electric vehicle owners can charge at home, many drivers do not possess the option of installing the Level 2 charger. That's okay. Many EVs can now be charged to charge using any electrical outlet, however it may take all night or longer to get an entire charge. However, you may require a faster charge at certain times. There are many EVs take around 45 minutes to get to 80 percent battery capacity at the fastest charging station. To find out the locations you could be able to get speedier charging, check out the map, which shows charging stations nearby. Double-check that any charging stations you plan to visit can be used with the car you're thinking of buying. Consider an EV when shopping for your next vehicle Is an electric vehicle worth the investment? As with other luxury vehicles, EVs can carry higher cost upfront, and drivers need solid credit scores to enjoy low interest rates. However, as the market grows with more middle-tier choices come up, more people could think about electric options. Are you one of the 36 percent of Americans who are considering electric? Moody suggests that you look to find the sweet spot by purchasing a used model that is something in the three- to five-year range -- to get a better price and a good amount of warranty protection.

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Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers in navigating the details of borrowing money to purchase the car they want.

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Prepaid Debit Cards Are Popular But they do have some drawbacks

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Prepaid debit cards are popular But they do have some drawbacks

Written by Spencer Tierney Senior Writer | Certificates of deposit ethics, ethical banking, bank deposits Spencer Tierney is a consumer banker at NerdWallet. He has been writing about the personal financial sector since with a particular focus on certificates of deposit and other banking-related subjects. He has had his work covered on The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among other publications. He is based in Berkeley, California.

Updated August 10, 2016.

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Walk into a convenience store like 7-Eleven or CVS Pharmacy and you're likely to find a few pre-paid debit cards hung on a rack.

These cards, employed for budgeting and as substitutes for checking accounts have become more popular. The number of purchases on cards issued by the biggest prepaid issuers rose 15.7% in 2014 compared with the previous year as per The Nilson Report, which analyzes information from the industry of payment.

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Despite their widespread use they do face many issues. In the last year both experienced technical glitches that resulted in cardholders being locked off their cards for as long as one week. In that time, all cash on these cards including earnings that were directly transferred onto them was unavailable. Even in non-shocking situations the prepaid debit cards come with numerous disadvantages.

Frequent charges

Prepaid debit cards typically charge you fees for services that you would normally get with a checking account, such as free ATM use, customer support as well as mobile and online services. Also, unlike checking accounts prepay cards typically don't have ways to waive their monthly fees.

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Janice Elliot-Howard, an author living in Atlanta was the first to get the prepaid card which cost her a small fee each time she purchased something. When she realized how much that was costing, she quickly canceled it and bought a new one which doesn't charge transaction charges.

The woman isn't able to stay clear of any fees, however.

"The downside is the ATM charge [for cash withdrawals], however, I don't do it often," she says.

One saving grace for many debit cards that are prepaid is that they don't allow overdrafts, or charge fees for overdrafts. If you have a checking account, you can get charged around 30 or 35 cents for spending more than the amount you've got in your account. But the regular fees for transactions and ATM withdrawals could add up.

It's not always easy to find out the details of your card.

Elizabeth Avery bought a prepaid debit card in a drugstore to travel overseas but later realized that the card couldn't be used in foreign countries.

"I find that the small printing is the area where I'm seeing problems," says Avery, creator of the travel website Solo Trekker 4 U and an investment banker in private equity in Washington, D.C. She had planned to use her card at international ATMs for cash withdrawals and discovered no indication on the packaging's exterior that it was intended for use in the United States.

But that's not all the information that's missing.

"The disclosure for prepaid credit cards sold in retail don't require that all the fees need to be mentioned on the packaging outside," says Thaddeus King who works with the consumer banking program within The Pew Charitable Trusts in Washington, D.C.

Protections still lacking

The debit card you use to pay for purchases, which are similar to debit and credit cards belong to payment networks like Visa or MasterCard. In the end, you have fraud protections for card purchases but not the broader protections you receive with an account in a bank account.

"When it comes to bill pay as well as ATM transactions, they cannot be done through the Visa nor MasterCard systems," King says.

Other payment providers have similar exclusions. In these transactions, King says you need to rely on a card's disclosures which might not offer protections , unless they are specifically for purchases.

The debit cards that are prepaid are also not legally required to have insurance from the Federal Deposit Insurance Corp. (FDIC). FDIC, which is how customers can recover their money if their bank or card issuer fails. Although many prepaid issuers offer protection on their own but their cards' agreements with their customers might state that their terms are subject to change at any time.

The checking accounts, however they must have more protection due to a policy that covers electronic and ATM transactions. They must also be covered by the FDIC.

Good news for prepaid debit card holders could be coming soon. The Consumer Financial Protection Bureau plans to announce later in the year that would extend fraud protections for these cards to match those that cover checking accounts and debit cards.

"Prepaid debit card holders deserve the same protections as debit card holders," says Christina Tetreault the staff attorney at Consumers Union in San Francisco.

Author bio Spencer Tierney is a writer and NerdWallet's authority on deposit certificates. His work has been featured in USA Today and the Los Angeles Times.

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Refinancing pros and cons a vehicle: Is it the right decision for you? Part Of Refinancing a Car Loan In this series Refinancing a Car Loan Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial choices by providing you with interactive financial calculators and tools as well as publishing objective and original content. This allows users to conduct research and compare data for free to help you make sound financial decisions. Bankrate has partnerships with issuers, including but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Profit The deals that are advertised on this site come from companies who pay us. This compensation could affect how and where products appear on this website, for example for instance, the order in which they be listed within the categories of listing, except where prohibited by law. Our mortgage, home equity and other products for home loans. This compensation, however, does affect the content we publish or the reviews that appear on this website. We do not contain the entire universe of businesses or financial offers that may be available to you. Westend61/Getty Images

4 minutes read Read Published March 02, 2023.

Writer: Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers in navigating the details of borrowing money to purchase an automobile. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are committed to helping readers gain the confidence to take control of their finances by providing concise, well-studied information that simplifies complicated subjects into digestible pieces. The Bankrate guarantee

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If you have questions about money. Bankrate has answers. Our experts have been helping you master your finances for more than four decades. We strive to continuously provide our readers with the professional advice and tools required to succeed throughout life's financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors, reporters and editors produce honest and reliable content to help you make the best financial decisions. Our content produced by our editorial staff is objective, factual and is not influenced from our advertising. We're open regarding how we're in a position to provide quality content, competitive rates, and useful tools to you , by describing how we earn money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for the placement of sponsored products or services, or by you clicking on certain hyperlinks on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where it is prohibited by law for our mortgage home equity, mortgage and other home loan products. Other factors, such as our own proprietary website rules and whether the product is available within your region or within your own personal credit score can also impact the manner in which products are featured on this website. While we strive to provide an array of offers, Bankrate does not include information about every financial or credit product or service. The cost of keeping your vehicle in the garage each month is a challenge for many. The monthly payments for cars have increased dramatically with the average monthly payment is $526 for vehicles that are used and $716 if you buy new . Many consumers consider -- or replacing their current loan by a new one -- to make these expenses more manageable. Refinancing can lower your monthly payments in the event that your situation has changed or market conditions have improved since you borrowed the current loan. But refinancing is not without the risk of being expensive in some cases. Therefore, you should look at the pros and cons of refinancing, and evaluate your financial situation to determine if it's a smart decision. Benefits of refinancing your vehicle Your current car loan is based on saving money. You may also be able to refinance more than what you owe in case you require cash. Take these into consideration when deciding if refinancing is right for you. Lower interest rates Your interest rate significantly impacts the monthly automobile loan payment. This is based on your score on credit, as well as other elements. If your since you took out your loan and you're not sure, this could be the case if you've been making timely loan payments and have managed your other debts, it may be a great opportunity to look into refinancing. It is likely that you will receive more favorable terms and rates. Reduced monthly payments If you struggle to meet the monthly bills Refinancing your mortgage can make your monthly payment less costly and let you free up money within your budget. You can get a lower rate or a longer time frame, or both. However, while the signing off of a loan means you can save money every month, it also means more cost overall as you'll pay more in interest over the life of your loan. You should pay off your loan earlier Refinancing could also lead to the repayment of your loan early. If your income has grown since taking out your auto loan, it may be an ideal time to switch to a shorter-term. If you settle your loan early and pay off interest, you'll save -- assuming the lender's doesn't outweigh your savings. But if you'd prefer not to refinance, you can make larger monthly payments to reduce your balance quicker. You'll accomplish the same objective and could save money by avoiding the charges for origination that can be associated with refinancing. Access quick cash Some lenders offer the option of a cash advance, which is beneficial for those who require cash fast. It's the same process as conventional refinancing. However, instead of a new loan that replaces your current one, you'll receive a lump sum of cash depending on the equity you have in your car. You could also get better loan terms or have a reduced monthly payment, this type of refinancing comes with the risk. By pulling out the equity you've accrued in cash, you run the risk that you'll be upside-down with your loan which means you'll be owing more than what it's worth. This makes it more challenging to earn a profit when the time comes to dispose of. Plus, you'll take on more debt because your current auto loan balance will be higher. Cons of refinancing your car Refinancing your car by refinancing is not without its risks. Consider these disadvantages. The high interest rate of refinancing comes with the risk of more expensive interest rates. If your credit score has declined or interest rates have risen it is possible that you will encounter interest rates that are more expensive than the current rate. In the current market, steep interest rates aren't unusual. Recent developments have increased interest rates to new records. So, it's in your best interest to shop around for different alternatives to try to stay clear of astronomically high interest rates or wait it out until market conditions improve. Additional fees If you are struggling financially be aware that refinancing a loan comes with extra fees. The costs could include application and title transfer, prepayment and origination fees. Since the costs are likely to add up, you should calculate the amount that refinancing will cost you , and also how the rate and duration compare to the current loan. Could become upside down If you refinance and prolong the term of your loan in any way, you're more likely to end up owing more than your vehicle's worth. This is often referred to as being the result of your loan. Find out if refinancing your car is an excellent idea? The main factor to determining if it's an appropriate choice is the amount you can potentially save. Consider your pros and cons while making use of the benefits . Here are some scenarios where it may be beneficial to refinance your credit: Your credit has improved. In the event that your credit rating has increased, you may receive more favorable rates and terms by refinancing. You received dealer financing. Typically, the terms offered through dealerships are not the most beneficial. Look into other lending options if you have . You can't make payments . Missing payments can result in charges, damaged credit, or even repossession of the vehicle. If you cannot make payments and refinancing might result in a lower monthly payment. You can qualify for a lower interest rate. If market rates are better than they were when you first applied, you may qualify for a lower interest rate. But, that's not likely to be the case since the market rate isn't declining because of recent Fed rate hikes. If you decide to refinance your auto loan begin by looking at different lenders to determine the most competitive rate. A lot of them have pre-qualification tools available on their websites, which allow users to see the possibility of loan offers, including estimates of loan conditions as well as interest rates and monthly payments, all without impacting the credit rating. You should consider getting pre-approved by at least three lenders so you can apply for a loan with confidence. Prior to deciding on the pros and disadvantages and how they will affect you in order to make an informed decision. Ideally, you want to save money, not simply stretching out the loan duration. If you're struggling financially it might be beneficial to to get an easier monthly auto loan payment. You can ask the lender to consider trading your car in and selling the vehicle privately to get the financial relief you require. But if refinancing is the best option for you, look for the best auto lender.

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Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers in navigating the details of taking out loans to buy an automobile. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are committed to helping readers gain the confidence to manage their finances through providing precise, well-studied information that breaks down otherwise complex topics into digestible chunks.

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Getting a car loan after bankruptcy Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial decisions by offering interactive financial calculators and tools, publishing original and objective content. This allows users to conduct research and compare information for free - so that you can make informed financial decisions. Bankrate has partnerships with issuers such as, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The offers that appear on this site come from companies who pay us. This compensation could affect how and where products are displayed on this website, for example for instance, the sequence in which they be listed within the categories of listing and other categories, unless prohibited by law for our mortgage, home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews that appear on this website. We do not cover the universe of companies or financial offers that may be accessible to you.

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3 minutes read. Published April 06 2022

Written by Rebecca Betterton Written by Auto Loans Reporter

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Making an application for an auto loan after bankruptcy might be a daunting task. While it's true that getting an attractive loan after bankruptcy can take some extra leg work, it is still feasible. This will include checking and improving your credit while considering the additional hoops that you'll need to jump through. Types of bankruptcy There are two primary types of bankruptcy. Before you can proceed with an additional loan it is crucial to know the particulars of the type of bankruptcy you have filed. Chapter 7 bankruptcy The court takes legal ownership of some of your possessions when you apply for Chapter 7 bankruptcy, and therefore a temporary stay can be placed on your existing outstanding debts. The process typically will take between 80 to 130 days to complete and can be on your credit report for up to 10 years. Chapter 13 bankruptcy Filing for chapter 13 bankruptcy -- also known as the wage earner's program -- allows filers to develop a plan to settle debts accrued. After approval by the court the plan generally consists of the payment of fixed amounts over time. The plan can be listed on your credit report no more than seven years. How do you obtain a car loan after bankruptcy Before signing off on a car loan application, there's a cleaning up that needs to be completed in order to prove to lenders that you will be able to pay off the loan. Do a few additional steps to get approval and favorable conditions. Step 1. Review your credit score After you filed your bankruptcy, your credit score has likely changed. Although there isn't a set amount of reduction of your credit rating after a bankruptcy, it does have less significance as time passes, so you'll likely get higher scores in the previous year than during your first. The better your credit is and the better the terms you'll get. The score of your credit can be found by credit bureausthe three major ones being Experian, TransUnion and Equifax. It is recommended that you determine the state of your credit before submitting a new loan application. In this way, you will feel more assured that you're getting the best deal. Improve your credit

Since your credit rating takes a hit following bankruptcy it is in your best interest to be ahead of your shopping.

3. Budget for a vehicle down down payment can significantly increase the chances of getting approved and may also save you money by reducing your rates. Utilize a calculator to determine the amount you can save with various amounts. Step 4. Shop around The key to finding the most affordable price is to look at many different lenders and keeping an open mind to more than just the latest car models. Consider the advantages and disadvantages of a and get a few offers before deciding. Apply to get loan preapproval

Before heading into a dealership, it is a good idea to apply for . This doesn't guarantee loan approval, but it will give you the ability to negotiate and an understanding about your spending plan.

What should you remember after bankruptcy? While financing a vehicle is possible after declaring bankruptcy, there are some crucial aspects to consider. Beware of predatory lenders If you are an potential loan holder with less than stellar credit You will probably encounter lenders that are predatory. This kind of lender will likely boast the guarantee of credit or no credit check. These options can many times cause you to be liable to their high interest rate. Be aware of the advantages and drawbacks for longer loan terms Similarly you could be confronted with . These over-extended loans are a potential risk, especially at 7 or more years. A longer loan term is yet another possibility where you're more likely to end up upside down on a loan. Consider co-signing with a friend if your credit score is still lacking, consider applying for an loan that requires the . You are more likely to get approval due to lenders feeling more comfort via the co-signer's credit score. Next steps Lenders tend to approve loans of drivers if they believe they are able to pay. A bankruptcy history will not hinder you from being able to meet the requirements. Be patient and thoughtful throughout the process, and make sure you take time to improve your credit prior to .

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Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers with the ways and pitfalls of borrowing money to purchase the car they want.

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How They Split Debt

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How They Split Debt

These people tamed debt in their own way. Check out their tales to you in your own process of paying off debt.

By Amrita Jayakumar Writer The Washington Post Amrita Jayakumar is a former special-assignment writer for NerdWallet. She also published a syndicated article on millennials and money, and focused on personal loans and consumer credit as well as debt. Prior to that, she was an editor at The Washington Post. Her work was published within The Miami Herald and USAToday. Amrita holds a master's diploma in journalism from the University ofMissouri.

Editor: Kathy Hinson Lead Assigning Editor Personal finance, credit scoring, financial management and debt Kathy Hinson leads the Core Personal Finance team at NerdWallet. In the past, she worked for 18 years working at The Oregonian in Portland in capacities such as chief of the copy desk and team director of design and editing. Prior experience includes news and copy editing for several Southern California newspapers, including the Los Angeles Times. She graduated with a bachelor's in mass communication and journalism in Iowa's University of Iowa.

The majority or all of the products we feature are from our partners who compensate us. This influences which products we review and where and how the product appears on a page. But, it doesn't influence our evaluations. Our opinions are entirely our own. Here's a list and .

Two teachers raked out More Than $53,000

Jae Bratton and her husband

This rumor about children being cost-conscious? Fact! That's why Jae Bratton and her husband, a fellow teacher was focused on paying their debts over the three years prior to the birth of their first child.

From $20K to 0 in 5 years and 8 Steps

Photo by Jonathan Sharpe

It took some years -and nearly every method in the book- for Kenley Young to wipe out more than $20,000 in charge card debt. Over that time Kenley Young learned a lot about how the pay-down goals can clash in reality major life events. Now , as a NerdWallet editor, the author shares what tools made the biggest impact on his journey to reach $0.

Achieving a goal can lead to Helping Others

Photo from Sandra Leigh Photography

The gift of a book about personal finance prompted Holly Carey to get serious about understanding and removing her debt. She was introduced to zero-based budgeting and cut costs whenever possible, like sharing a room with a friend. After squeezing out more than $55,000 in just 26 months, she felt compelled to share advice to family and friends- and eventually landed a job as an editor at NerdWallet.

The Pandemic Following Payoff Tests Increases Couple's Resilience

A few months before the COVID-19 pandemic hit across the United States, Anthony and Jhanilka Hartzog paid off their one-third of their $114,000 debt. They'd devised an income-producing budget that was beneficial to them, created additional income streams, and benefited from a less expensive cost of living as a result of a move between New York to Dallas. We checked in with the Hartzogs two years later -- were the Hartzogs able to stay debt-free in the face of an epidemic that has strained the finances of numerous families? And what tips can they offer to others hoping to ditch debt of their own?

Downsizing the Home, Growing the business

When job loss reduced household income for Karen as well as Sylvester Akpan, the couple decided to sell their Los Angeles-area home and invest in an RV. They concentrated on expanding their travel blog and an associated Instagram account and were able eliminate their debt within a year. Their path is unusual, but points to an underlying truth: reducing costs and generating more income means more cash to pay off debt.

Getting On Board With a Budget for Baby

Former zookeeper Steffa Mantilla says she did not employ any animal training techniques to convince her husband to join to a debt reduction program.

Although she may have convinced him to stay, the Houston couple had paid off more than $70,000 in debt in five years. The anticipation of having a baby served as a catalyst for their financial transformation.

Trimming Small Expenses Achieved an Objection of Majority

Refinancing students loans was the start of the payoff journey for Neal and Laura Fogarty. They then began looking for expenses to trim so they could put every extra dollar toward ditching debt. They paid off $36,600 over eight years.

Rebounding From Bankruptcy

Rashad and Nirvanna Muhammad carried student debt and financial struggles when they got married and started their family. After a bankruptcy experience and a refocusing of their priorities, they and put in the effort to pay off $179,000 in less than four years.

Maintaining a 'Passion for Fashion on the Road to Repayment

The prospect of a fresh start to her life -having a home and family -- prompted Caitlin Forni determined about paying off her debt. Caitlin Forni paid out $123,000 of auto and student loans over the course of nine years.

A Spender, a Saver and Dreams of a Family

After Kendall Berry and her husband started planning for kids They became serious about paying off their debt. This is how they paid off nearly $54,000 in less than an entire year.

"Happiness Journey" Fueled Payoff

(Photo by Abby Bengs)

After incurring more than $200,000 in debt from student loans to attend law school, Okeoma Moronu decided that she wanted to take a purposeful approach to her financial and personal life and wiped out her debt in six and one-half years.

From 'Extravagantly Bloke' to Comfortably Frugal

DeShena Woodard, a nurse from Texas, had nothing in savings and lived from paycheck from paycheck to paycheck, until she changed her habits and paid off more than $50,000 in just three years.

Small Splurges on the Path to Freedom

Brian as well as Lindsey Baldwin wiped out $130,000 in student loans in under four years. They even managed to buy a few treats for their families along the way.

Small wins can help you achieve an enthralling Dream

Bernadette Joy as well as AJ Maulion had paid down student loans and two mortgages, a staggering total of $309,800, while creating a small-sized business. The secret recipe is simple: live on one income and celebrate the small victories.

Whipping Up a Payoff 'Tornado'

In the event that Steven Donovan didn't want to put his debt data into a budgeting app, he knew he had to act. Attacking his most-hated debt allowed him to pay off $118,000 within five years.

"I Just Pretended That I Didn't have Money'

Sarah McGowan's dream was to get out of student debt by the time she turned 25. By living a low-cost lifestyle right out of college and working every chance she could, McGowan got rid of a little over $36,000 in debt in just two years.

'It Made Our Marriage So Strong'

(Photo by Amelia Campbell Photography)

Ray and Bailey Robertson paid off over $33,000 over the course of 18 months due to a determined strategy, lean lifestyle, close partnership and plenty of planning.

Redefining 'Best Life,' The Scaling Back

Sonia Sears ended up deep in the red as she sought the "best life" at the college years and after. However, she was able to conquer her debts through working more while traveling less, and then moving back to her home. She paid off $79,000 in just over two years.

The Frugal Lifestyle is Kicking into High Gear

Ben and Melissa Panter were always frugal However, when they had to face an enormous mortgage and increasing students loan debts, they realized they needed to shift their frugality into high the gears. The Panters paid off $127,000 over almost four years.

Food Planning, Side Jobs and Faith

(Photo from Brok as well as Amanda Hansmeyer)

In their roles as teachers Jamie and Jenna Griffin were overwhelmed by student loans. They employed the budget and work hard to pay off more than $100,000 over five and one-half years.

How to Make the most of a Gig Economy

(Photo by Shane Henderson)

Kara Perez doubled down on part-time work to pay off student loans valued at $25,302 over three and three and a half years.

Holiday expenses can eat away at a couple's budget

Christmas gifts piled over existing debt convinced Anthony Hartzog and his wife to take action and pay off $114,151 in 23 months.

Affordable Living as well as Side Gigs

With careful budgeting, while working full-time , and supplementing her income, Tanya Nwamkpa was able to pay off $57,000 over five years.

"We have Choices Again'

Their finances started to skid after a job loss in 2009. Despite a few blunders, Adam and Sally Cleary have gotten out of more than $11,000 in high-interest debt.

Resolving College Credit Card Balances

Natalie Tomko aimed to pay off $50,000 credit card debt by her birthday of. It took her six years, a plan for hardship and community support to do it.

Changing Habits, budgeting for a baby

After they discovered a baby was on the way The Baggerlys changed their spending habits and began budgeting. two children later, they have paid off $111,108.

Smart Solutions for 'Stupidest Decision'

Cameron Merriman paid off $95,000 of student loan debt in just five years while living in one of the most expensive cities in America.

'It Became Like a Game for Us'

Josh as well as Jessie Boyce paid off $147,000 in debt in a little more than three years after realizing that debt was keeping them behind in their financial goals.

A Medal-Worthy Olympian's Olympic Juggling Act

John Coyle's debt of $147,000 helped finance his Olympics campaign, and after being offered a six-figure job, Coyle paid it off over 15 years.

Affirmative Concentration on the End Goal

New college graduate Samantha Ealy paid off more than $70,000 in a little under three years -- working multiple jobs and, at times, neglecting her health.

Becoming a Budget Obsessive

A mix of student loans and an auto loan and credit card debts and home improvement loans left the Browns with a debt of $72,000 which forced them to come up with budget.

Engineer Goes Old-School With Pen and Paper

Despite receiving scholarships, Brianna Harrington graduated college with $40,000 college loan debt. Determined to eliminate it she devised an ambitious budget plan to pay it off in 26 months.

Setting Pride Aside and Asking for Help

Jesse Nuno was laid off during the financial crisis and fell behind on a mortgage as well as auto loans. Cara could not pay her debts because of her disability. The couple turned to a credit advisor to pay off $272, 261 over five years.

A Wish List kept her on track

(Photo taken by Jim Gion, 2015)

Melanie Lockert decided to pay out $57,426 in debt and encouraged herself to do so by writing wish lists of things she'd like to be able do when she was debt-free.

'Born Spender' Goes on a Spending Fast

Anna Newell Jones entered married life with a debt of $24,000. She pushed herself to spend rapid pace and paid it off in just 15 months.

New Parents Quit Credit Cards

Lydia Senn and her husband claimed they didn't have a lot of debt until they became pregnant with the first of their children. Being a thrifty couple, working part-time jobs and budgeting helped them pay off $36,000 within just two years.

Grad Gifts Gift to Her Future Self

Ogechi Igbokwe didn't want to become a students loan statistic. To ensure her success, she lived frugally and had paid back $26,000 within three years.

Financial Goals are Family Goals

The newlyweds Nicole and Andy Hill saw debt as an obstacle to reaching their goals. The couple turned budgeting into the norm and erased more than $50,000 in debt in just one year.

No sleep for new parents until they get their payoff

Chelsea and Nate Day ended up owing her family $52,000 due to an unintentional home purchase. The family debt left the Days nervous and they cut their expenses to pay it off in six months.

Homemade Tracker Kept Her Cooking

Chef and food writer Stephanie Stiavetti racked up debt to pursue her culinary dream. But she knew the if she did not change her lifestyle, she'd end up burdened with debt of $64,000 for decades.

Newly Single, 'I Knew I needed to help myself'

At the age of 25 Carrie Smith Nicholson found herself divorced and in debt of $14,000. Carrie Smith Nicholson realized that she needed to get an extra job, cut back on spending , and get her way out.

Learning to be a student with Student loans

After graduating from college, Kara Stevens found herself in the middle of the burden of student loans along with credit card balances. After she learned about debt, Stevens resolved to deal with it head on, and paid off $65,000 over six years.

Extra Payments Became Her Obsession

When Jackie Beck lost her job and was unable to pay for food and housing She was forced to pay off her bills. Beck became obsessed with tiny payments and paid off $147.106 in 10 years.

Making Sense of Cents

At the age of 23, Michelle Schroeder Gardner obtained three degrees from colleges as well as a wedding and the house she wanted. The graduate had $38,000 in student loans and decided that she'd be able to pay it off as quickly as she could.

Money under 30

David Weliver didn't tackle his $80,000 debt until he had to make an unpopular choice: pay rent or a charge from a credit card. He consolidated debts, reduced the cost of living, and took on at a second job to pay it off over three years.

Lauren Greutman

Lauren, a spender, was embarrassed to let her husband Mark, a saver, be aware of how poorly she had managed their finances as a family. After she admitted her mistakes and changed her spending habits, they paid off $40,000 in two years.

Money Peach

Chris Peach and his wife Andrea had a rough time when they topped up their credit cards and were unable to pay for groceries. Peach is a firefighter through education, followed a step-by-step approach for paying off the $52,000 within seven months.

Debt Discipline

Brian Brandow had his debt revelation when the father of three children had to tell his family members that there was no vacation this year. The Brandows had overloaded the credit card they had. They employed a debt management plan to pay off $109,000 over the course of four years.

Cait Flanders

In her early 20s Flanders amassed debts of more than $30,000 after saying "yes" to everything. By keeping track of expenses and cutting back on unnecessary purchases, she paid the balance off in two years.

Active Budgeting Pays off

Being newlyweds and recently graduated with debts of $20,000, Johnny and Joanna Galbraith decided to develop an action plan to make it clear that they were in the red. They paid off the debt in 1.5 years.

My Shiny Nickels

Laura Dobbins and her family resided in a luxurious house with all the luxury trappings however, they were $40,000 in debt. They cut back on their spending and began to save, and in less than 2 years they were debt-free.

Smart Spending, Dedication

Zina Kumok was a college graduate with $24,000 in students loan debt. But since she was making the equivalent of $28,000 in a year, she realized she had to get serious about her debt. She paid it off in three years.

The Family CEO

Julie Mayfield and her husband faced 18 years of debt -- which amounted to $59,000 -- to help fund their daughter's first semester of college. They put the extra cash they could to debt and then paid it off in 22 months.

'Monster Payments'

Amanda Page graduated with $48,500 in student loan debt. Ten years later, realizing that she had paid off less than $1000 of her balance and was unable to pay it off, she took on additional work and employed a method of making "monster payment" to pay off the debt over 14 months.

Penny Pinchin' Mom

Before getting married, Tracie Fobes declared bankruptcy to clear debt. When they and their husband were expecting their very first son, they'd added another $37,000. Discussions about money led them to complete the repayment within just two years.

Queen of Free

Cherie Lowe as well her husband Brian who was a bachelor, had more than $127,000 in debt spread across payday loans, medical bills and student loans. Their second baby led to a lifestyle change, and they became debt-free within four years.

The Budgetnista

(Photo by Tinnetta Bell.)

Tiffany Aliche was saddled with $55,000 in graduate school loans as well as $40,000 of credit card debt, and $200,000 in mortgage debt due to default. She returned home and opted for an all-cash lifestyle to pay it off.

Well Kept Wallet

Deacon Hayes and his wife Kim utilized credit to finance their lives. When they were $52,000 in debt and were living from paycheck for paycheck, they knew they had to take action. The Hayes paid it off in just 18 months.

His and Her Money

After their wedding, Talaat and Tai McNeely were financially different and had around $30,000 of debt. They were on one income and employed the other to repay their debts within an entire year.

Debt Free Guys

John Schneider and David Auten have years of experience in the field of financial services but they were able to accrue $51,000 of the credit card industry. They cut down on expenditure, utilized the balance transfer method and paid it off over 18 months.

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About the author: Amrita Jayakumar is a former writer at NerdWallet. She was previously employed by The Washington Post and the Miami Herald.

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