If you’re in over your head with credit cards and unsecured loans, a number of strategies can provide relief, such as a debt management plan or an aggressive debt-payoff strategy.
But if you’re a homeowner, you might be overlooking one more solution.
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Consolidating the two into a new, 15-year mortgage at 4.5 percent costs more per month, but less over the life of the loan.
A ,000 credit card balance at 16 percent interest plus a 0,000 mortgage at 4.5 percent interest rack up 0,936 in interest payments over the life of the loans.
For retirees hoping to stretch their savings, it can be a smart retirement strategy, freeing up money so they can live more comfortably.“Depending on the circumstances, (use equity) for big-ticket items such as tuition, a sudden illness that devastates the budget, sometimes even the purchase of an automobile when you have thought things through and you have compared that financing cost to what might be available,” he says.“But don’t run out and use it for credit cards for vacations, for frivolous things because it is not an unlimited source, as we saw when the market turned.” The main concern with using equity to pay off credit cards is that often, it is a temporary solution to a much bigger problem.