Jess Ullrich

Boston, Tewksbury

Freelance Financial Writer at Freelance

Kind human. Freelance financial writer. Bylines: @investopedia @bankrate @nextadvisor & more. Former editor: @thebalance @investopedia @financebuzz. She/her.

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Articles

How to Get Debt Relief

2 weeks ago | money.com | Jess Ullrich |Kaitlin Mulhere

Americans are struggling to keep up with their credit card bills. The share of cardholders making only the minimum payment recently hit a 12-year high, and delinquency rates have been climbing over the past year, according to the Federal Reserve Bank of Philadelphia. If you're trapped in the cycle of barely affording your minimum payments each month — or worse, you've already fallen behind — debt relief is one path to getting your finances under control. But it’s not right for everyone.
Debt Consolidation vs. Debt Relief: Which Is Right for You?

2 weeks ago | money.com | Jess Ullrich |Kaitlin Mulhere

The total credit card debt in the U.S. climbed to over $1.2 trillion at the end of last year, up 4.0% from just a year prior, according to the Federal Reserve. Credit cards have some of the highest interest rates of all financing types, and growing high-interest debt can make it increasingly difficult to pay down your balances. If you’re among the Americans struggling to manage your credit card debt, there are a few ways you can take control and pay off your balances.
Debt Relief vs. Bankruptcy: Which Is Right for You?

2 weeks ago | money.com | Jess Ullrich |Kaitlin Mulhere

Several recent signs are highlighting the fact that consumers are struggling to keep up with their debt payments. Bankruptcy filings jumped last year, delinquency rates remain elevated and Americans are feeling pessimistic about almost all aspects of their finances. Significant debt and an inability to keep up with your monthly bills can make it feel like you’ll never regain control of your finances.
Should I pay off credit card debt with a financial windfall? What to do with extra money.

4 weeks ago | finance.yahoo.com | Jess Ullrich

Credit cards can add value to your life with their lucrative rewards programs, exclusive travel credits, trip insurance, and more. While they have perks, it’s also dangerously easy to get carried away with credit card spending. Overspending on your credit cards could make it difficult to keep up with payments and the rising interest costs on your balances. You're not alone if you find yourself burdened with high credit card balances.
6 things to know about the New United Quest Card

4 weeks ago | finance.yahoo.com | Jess Ullrich

United is one of the largest carriers in North America, operating over 4,100 flights daily and transporting over 226,000,000 passengers annually. If you’re a frequent United flyer, the airline offers several credit cards that could give you access to award flights, airline credits, and other perks. The New United Quest℠ Card is one of these cards. This mid-tier travel card offers a generous welcome offer and awards, free checked bags, priority boarding, and more.
Broad Form Insurance: Limited Coverage for One Named Driver

4 weeks ago | financebuzz.com | Lance Cothern |Jess Ullrich

You've probably heard of the most common car insurance policies, like liability coverage, full coverage, collision, property, and comprehensive. Another option you may come across when shopping for auto insurance, especially if you're trying to save money, is broad form insurance coverage. Broad form insurance is a type of policy available in some states that provides state-minimum liability coverage to one named driver, owner or not, rather than the vehicle itself.
How much credit card debt is too much?

1 month ago | finance.yahoo.com | Jess Ullrich

Credit cards have many benefits: flexible financing, reward programs, and the opportunity to earn welcome bonuses and credits. But their perks aren't valuable if you carry a monthly balance. Carrying a large balance month to month results in high interest charges, making it harder to repay what you owe. And if you fall behind on payments, you'll also be on the hook for late fees.
14 Underrated Side Hustles That Could Make You Serious Cash

1 month ago | financebuzz.com | Cameron Colwell |Jess Ullrich

Although your job may provide enough money to cover your necessary expenses and purchases, it's always nice to have some extra cash on the side. With more money, you can achieve your financial goals quicker and feel more secure. But apart from getting a raise or promotion, what are some additional ways to make money? Side hustles, of course. Side hustles are typically done in your free time, so you don't have to worry about leaving your day job to pursue one.
What is a good credit score?

1 month ago | finance.yahoo.com | Jess Ullrich

Good credit can open many doors for you, including lower interest rates and an easier time getting approved for credit cards or loans. But what counts as a "good" credit score depends on the scoring model. The most common credit scoring models are FICO® Score and VantageScore®, and while they’re similar, there are some distinct differences between the two. Here’s what to know if you’re wondering about good credit scores and why building your credit is a worthy endeavor.
Supplement your regular Kohl’s Cash earnings with additional savings

1 month ago | finance.yahoo.com | Jess Ullrich

If you're an avid Kohl's shopper, you've probably been invited to apply for a Kohl's card at the register. While Kohl’s loyalists can supplement their regular Kohl’s Cash earnings with additional savings, others may find a more general rewards credit card to be more useful. There are two types of Kohl's cards: the Kohl's Credit Card and the Kohl’s Rewards® Visa. After submitting an application, you'll be considered for both cards but receive only one if approved.