The Money Fix
Every free call, calculator and guide, in the order you use them. Clean up first, then grow. Not sure where to start? Take the 1 minute quiz.
Calls To Make
Stage 1: Cut What Bleeds. You make the call; I give you the words by email.
- Stage 1 · Call
How To Ask For A Lower Interest Rate
83% of people who asked got a lower interest rate.
- Stage 1 · Call
How To Ask For A Late Fee To Be Removed
89% of people who asked had a late fee removed.
- Stage 1 · Call
How To Ask About Your Annual Fee
95% of people who asked had an annual fee removed or reduced.
- Stage 1 · Call
How To Ask About A Hardship Program
What a hardship program is, and what to ask before you agree to one.
- Stage 1 · Call
What To Say When A Bill Collector Calls
Don't agree to pay anything on the first call. Ask for the validation notice in writing.
Calculators
Free, in your browser, no email needed. Type your own numbers.
- Stage 1 · Calculator
Credit Card Payoff Calculator
Your Debt-Free Date at the minimum, and what paying extra saves.
- Stage 1 · Calculator
Credit Card Minimum Payment Calculator
How much of your minimum goes to interest, and what it takes to be out in 3 years.
- Stage 1 · Calculator
Credit Card Interest Calculator
What your balance costs you a day, a month and a year.
- Stage 1 · Calculator
Debt Snowball Calculator
Every debt in order, smallest balance first, with the highest interest rate first strategy beside it.
- Stage 1 · Calculator
Mortgage Payoff Calculator
What extra each month, or paying every 2 weeks, takes off your mortgage.
Guides
Short reads, each with the next 3 things to do.
- Stage 1 · Guide
Emergency Fund First Or Debt First?
Why a small cushion comes first, and where extra money goes after it.
- Stage 1 · Guide
No 0% Credit Card? What To Do Instead.
4 moves when a balance transfer is not an option.
- Stage 1 · Guide
Buy Now, Pay Later Is Not Always 0%.
Where the interest rate and fees hide, and what a missed payment can cost.
- Stage 3 · Guide
How To Make A Side Hustle Official
A name, a registration, a separate account for business money and money set aside for taxes.
Side Hustle Finder
Stage 2: Grow What Pays. Clean up first, then bring more in.
Sources for the 83%, 89% and 95% figures: LendingTree survey of 2,050 U.S. consumers, May 2025.