6 Jan, 2026

A modern illustration of a debt-to-income (DTI) gauge with green, yellow, and red zones. The needle points into the red “high risk” area. Faded icons in the background show major debt categories including a house, car, credit cards, and a graduation cap.

JamesF_CEO Credit & Debt Management

Debt-to-Income Ratio: Calculate Yours & Understand What It Means

DTI is a financial vital sign. If too much of your income is already spoken for, no budget trick will fix it. Here’s how to calculate your DTI, what it means, and when it’s time to get real help.

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12 Jun, 2025

Red “PAST DUE” stamp across a pile of credit card bills, symbolizing rising late payments and financial distress among U.S. households.

JamesF_CEO Credit & Debt Management

The Surge in Serious Credit Card Delinquencies: What Consumers Need to Know

Credit card delinquencies are rising fast—even as overall debt shrinks. This guide explores what’s causing the spike, who’s affected, and how consumers can regain control before it’s too late.

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4 Jun, 2025

Line graph titled “Rising Credit Card Interest Rates” showing average APRs of 14.9% in 2015, 14.5% in 2020, and 24% in 2025 with a sharp red upward arrow highlighting the recent spike in credit card interest.

JamesF_CEO Credit & Debt Management

Credit Card Interest Rates Soar: Why Paying Down Debt Is More Crucial Than Ever

APR averages have surged to 24%…the highest in history. This article explains how we got here, what it costs the average household, and what you can do about it.

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Tag: Financial Stress

Debt-to-Income Ratio: Calculate Yours & Understand What It Means

The Surge in Serious Credit Card Delinquencies: What Consumers Need to Know

Credit Card Interest Rates Soar: Why Paying Down Debt Is More Crucial Than Ever

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