Howard Dvorkin leading a team meeting in a modern office, standing at the head of a conference table while colleagues listen and engage, with the Debt.com website visible on a screen behind him.

My Columns

Learn the real deal when it comes to today’s top financial news from a certified personal finance expert.

Related content on ‘Budgeting’

Is a Balance Transfer a Good Idea? Depends on Your Personality

By: Howard Dvorkin

Debt.com asked personal finance experts, “Is a balance transfer a good idea?” Well, it depends. There are a few other questions you should ask yourself too.

What Is UltraFICO And Should You Care? Short Answer: Hell Yes

By: Howard Dvorkin

UltraFICO isn’t a superhero in the Marvel Universe, but it might as well be. Superheroes save the world, but UltraFICO will save you money.

Mostly Depressing, Occasionally Rewarding: When Your Job Is Helping Americans Get Out Of Debt

By: Howard Dvorkin

I’ve counseled Americans on how to get out of debt and. Over all those years, both credit card debt and student loan debt have surpassed $1 trillion.

How Millennials Handle Their Money Matters To Us All

By: Howard Dvorkin

The media regularly reports on millennials’ financial habits, and it’s typically negative. However, underreported financial studies debunk those myths.

Financial News That Looks Bad But Is Actually Good

By: Howard Dvorkin

Financial news often makes it seem like Americans make irresponsible financial decisions, but for the most part people are maing the right money choices.

Back-To-School Shopping List: What NOT To Put On It

By: Howard Dvorkin

Want to save money on your back-to-school shopping list? Look for cuts. Decide what you don’t really need this year, then don’t buy it.

What’s Red And Gray And On The Horizon? A Senior Citizen Debt Crisis

By: Howard Dvorkin

As baby boomers approach retirement age their personal debts continue to rise. As a mass wave stop working, there may be a senior citizen debt crisis soon.

Our Credit Cards Reveal More Than Our Debts

By: Howard Dvorkin

America’s debt problem tells us a thing or two about the state of our mental state. Learn aout recent statistics regarding credit debt and American opinion.

Back-To-School Shopping Advice For Parents: Ignore Your Kids

By: Howard Dvorkin

Don’t give in to your kids’ demands. Use back to school shopping as an opportunity to teach them about the value of money.

What Young People Don’t Know About Money Is Hurting Them

By: Howard Dvorkin

If they’re not careful, what millennials don’t know about money might also kill them. They underestimate the need for health insurance, keeping housing costs down, and financial planning for the loss of their parents.

Amazon Prime Day: Do It Wrong, And It’ll Cost You

By: Howard Dvorkin

You can save a lot of money online shopping on Amazon Prime Day. However, Amazon makes it a little tricky. The date isn’t the same every year and the deals change rapidly. Be careful and only buy what you need.

How Does Being Lonely Affect Your Financial Health?

By: Howard Dvorkin

Financial experts have long known that mental health and financial health are tightly linked. Money may not buy happiness but being happy is fiscally good