I get the appeal of formalizing things, but honestly, even a written agreement doesn't always guarantee smooth sailing. A few months back, I borrowed ...

Did consider refinancing to a shorter term myself, but honestly, the higher monthly payments made me hesitate. Couple things I found helpful: - Run t...

Fair points, but from what I've seen: - Lenders definitely prefer seeing those revolving balances drop off, but sometimes it feels like a moving targ...

I get what you're saying about refinancing not solving underlying spending issues, but I think it's a bit more nuanced than that. A few thoughts: - R...