Finance 101: Debt, Mortgage and Budgeting Strategies | TD Bank

Finance 101: Debt, Mortgage and Budgeting Strategies | TD Bank Skip to main content PersonalSelected Small Business Commercial Investing & Wealth About Us Search Help Find Us United States Canada United States Selected Log In Log in to your other accounts

Banking and Investing

Online Banking EasyWeb TD Wealth TD Private Client Wealth TD Investment Services (US) TD Automated Investing TD Wealth Securities-Based Lending Cards

Credit Card Gift Card TD Commercial Plus Card Lending

TD Fit Loan TD Home Lending Other

TD Business Central (US) TD eTreasury TDFX TD Bank Trade TD Remote Deposit Capture Checking & Savings Go Back Checking & Savings Close Open My Account

Help me choose Checking Savings Student CDs IRAs Cross-Border Banking Set Up My Account

Enroll in Online Banking Download the TD Bank app Get started with TD Checking See my debit card perks Get TD Early Pay with direct deposit Explore how-to tutorials Make the Most of My Account

See my overdraft options Pay bills and schedule payments Order foreign currency Send Money with Zelle® Report fraud

Find a store

See details and directions for a TD Bank near you.

Find a TD Bank

Book an appointment

Meet with a banking specialist in a store or by phone.

Book now

Ask the TD Help Center

Find answers to your everyday banking questions.

Get help

Credit Cards Go Back Credit Cards Close Choose My Credit Card

Explore all credit cards Balance transfer cards Cash back and points cards No annual fee cards Low intro APR cards Build credit Business Check if I’m prequalified Set Up My Credit Card

Manage my credit card Enroll in Online Banking Download the TD Bank app Manage payments Explore how-to tutorials Make the Most of My Credit Card

See what my card can do Explore Visa benefits Use my digital wallet Report fraud Earn up to 3% Cash Back, your way.

Choose your top 3% and 2% Spend Categories. Plus, earn 1% on all other eligible purchases.

Learn more

Our longest balance transfer offer.

Enjoy a low intro APR on balance transfers for 18 billing cycles.

Learn more

Lending Go Back Lending Close Choose My Loan

Help me choose Personal loan Mortgage See my home loan rate Home equity Manage My Loan

Review my home loan application Enroll in Online Banking Make home loan payments Make personal loan payments Explore More Loan Options

Buy my first home Build or renovate Find affordable home loans Refinance Compare home equity options Get funds for almost anything—fast.

From vacation to renovation—get a TD Fit loan up to $50K.

Learn more

There's a story behind every home loan.

Buying a new home? Building an addition? Whatever your story, we've got the home lending solutions you need.

Learn more

Learning Go Back Learning Close Life Stages

Explore life stages Paying for school Starting out on my own Buying a home Retirement Topics

View all topics Banking Borrowing money Budgeting & saving Building & managing credit Business banking Financial wellness Tools & Calculators

View all tools & calculators Monitor my credit Check if I’m prequalified for credit cards Explore how-to tutorials Refinance Compare home equity options See my home loan rate

Find a store

See details and directions for a TD Bank near you.

Find a TD Bank

Book an appointment

Meet with a banking specialist in a store or by phone.

Book now

Ask the TD Help Center

Find answers to your everyday banking questions.

Get help

Open Log In

TD: Personal Personal Selected Small Business Commercial Investing & Wealth About Us Checking & Savings Go Back Checking & Savings Close Open My Account

Help me choose Checking Savings Student CDs IRAs Cross-Border Banking Set Up My Account

Enroll in Online Banking Download the TD Bank app Get started with TD Checking See my debit card perks Get TD Early Pay with direct deposit Explore how-to tutorials Make the Most of My Account

See my overdraft options Pay bills and schedule payments Order foreign currency Send Money with Zelle® Report fraud

Find a store

See details and directions for a TD Bank near you.

Find a TD Bank

Book an appointment

Meet with a banking specialist in a store or by phone.

Book now

Ask the TD Help Center

Find answers to your everyday banking questions.

Get help

Credit Cards Go Back Credit Cards Close Choose My Credit Card

Explore all credit cards Balance transfer cards Cash back and points cards No annual fee cards Low intro APR cards Build credit Business Check if I’m prequalified Set Up My Credit Card

Manage my credit card Enroll in Online Banking Download the TD Bank app Manage payments Explore how-to tutorials Make the Most of My Credit Card

See what my card can do Explore Visa benefits Use my digital wallet Report fraud Earn up to 3% Cash Back, your way.

Choose your top 3% and 2% Spend Categories. Plus, earn 1% on all other eligible purchases.

Learn more

Our longest balance transfer offer.

Enjoy a low intro APR on balance transfers for 18 billing cycles.

Learn more

Lending Go Back Lending Close Choose My Loan

Help me choose Personal loan Mortgage See my home loan rate Home equity Manage My Loan

Review my home loan application Enroll in Online Banking Make home loan payments Make personal loan payments Explore More Loan Options

Buy my first home Build or renovate Find affordable home loans Refinance Compare home equity options Get funds for almost anything—fast.

From vacation to renovation—get a TD Fit loan up to $50K.

Learn more

There's a story behind every home loan.

Buying a new home? Building an addition? Whatever your story, we've got the home lending solutions you need.

Learn more

Learning Go Back Learning Close Life Stages

Explore life stages Paying for school Starting out on my own Buying a home Retirement Topics

View all topics Banking Borrowing money Budgeting & saving Building & managing credit Business banking Financial wellness Tools & Calculators

View all tools & calculators Monitor my credit Check if I’m prequalified for credit cards Explore how-to tutorials Refinance Compare home equity options See my home loan rate

Find a store

See details and directions for a TD Bank near you.

Find a TD Bank

Book an appointment

Meet with a banking specialist in a store or by phone.

Book now

Ask the TD Help Center

Find answers to your everyday banking questions.

Get help

Help Find Us Country: United States Canada United States Selected Log In

Log in to your other accounts

Banking and Investing

Online Banking EasyWeb TD Wealth TD Private Client Wealth TD Investment Services (US) TD Automated Investing TD Wealth Securities-Based Lending Cards

Credit Card Gift Card TD Commercial Plus Card Lending

TD Fit Loan TD Home Lending Other

TD Business Central (US) TD eTreasury TDFX TD Bank Trade TD Remote Deposit Capture En Español

\r\n"}}" id="text-99399de0c0" class="cmp-text">

En Español

Finance 101 Keep growing your financial knowledge

\r\n"}}" id="text-e67deb5bc8" class="cmp-text">

Keep growing your financial knowledge

Manage Your Money

Save and Spend

Credit and Lending

Manage Your Money Explore these tools and resources for budgeting, paying down debt, building financial independence and more.

\r\n 

\r\n"}}" id="text-a60ee6d94f" class="cmp-text">

Explore these tools and resources for budgeting, paying down debt, building financial independence and more.

 

Supporting Individuals with Diverse Abilities Through Inclusive Financial Education Resources that empower individuals with diverse abilities and their caregivers to better understand and navigate their financial lives more independently.

TD Bank and EVERFI, empowering your personal finance journey Build your financial know how and skills by customizing your personal learning playlist.

Tips and Tools for managing Student Loan Debt Explore options for managing student loan debt and getting your financial life back on solid ground.

How to know when your deposits are available Funds availability, your account balance or overdraft protection tools, we're here to help. Here are a few key points that can help you stay on top of your account balance.

Adaptive learning resources Teach adults with diverse learning abilities to understand the basic financial skills needed for employment and independent living.

Achieve financial independence Whether it’s making ends meet, saving for retirement or both, here are some healthy financial habits you can adopt now.

Budgeting 101 Tips for how new graduates can conquer entry-level income challenges.

Empowering our kids today and tomorrow The ABCs of money management, these tips can help parents educate their children about money, saving and spending.

Boost your financial IQ Learn about key financial concepts that can help you make more informed decisions and improve your bottom line.

Budget built for two Find out how to manage your money as a couple and avoid conflict with these tips and guidelines.

Say goodbye to debt Guidelines to help improve your financial future, including how to avoid new debt and pay down old debt.

Financial advice for new grads Whether you’re graduating from high school or college, here are some tips to help you prepare for life after graduation.

Your business, your money Selecting the right bank is one of the most important choices a small business owner can make. Here’s what to look for.

Load more articles Financial education resources TD Bank WOW! Zone

Support financial literacy with free lessons, activities, TD volunteer instructors and a virtual stock market game.

Student Budget Calculator

Forecast your total costs for the school year, estimate your available money and get help on how to plan.

Additional resources, tips and tools Get smart about money — 10 minutes at a time. Free interactive guides Learn about everyday bank accounts, credit, mortgages and so much more with these mobile-friendly guides from TD. Your journey to financial empowerment starts here.

Get smart about money — 10 minutes at a time.-Get started today* Get started today* Small business resource center

Access tools and resources designed to help you stay ahead

Small business resource center-Get started Get started Invite a bank instructor to visit in person or virtually

Request a visit to your school, workplace, nonprofit or public organization. Eligibility dependent on organization type and/or location

Invite a bank instructor to visit in person or virtually-Contact us Contact us My Money† for Florida residents

A financial literacy program for individuals with developmental disabilities

My Money for Florida residents-Find out more* Find out more* Save and Spend Explore these tools and resources for how to build savings, spend within a budget and more.

\r\n"}}" id="text-9033a30e22" class="cmp-text">

Explore these tools and resources for how to build savings, spend within a budget and more.

It pays to save Saving a little each month can really add up – and all it takes is a few small adjustments to your spending.

Fall into savings Organizing your financial records will help keep track of your money and information, and help you find ways to save.

Retirement Savings Tips for Every Life Stage We all dream of that ideal retirement. Setting your own schedule and doing what you want when you want. Achieving that goal requires financial stability — and these tips can help you set a strong foundation for reaching the future you’re dreaming of.

CDs 101 Learn more about CDs, or Certificates of Deposit, and if it’s the right tool to help you meet your savings goals.

Don’t let your health affect your wealth Get tips on how to take care of your health without breaking the bank.

Charitable holiday giving Consider giving the gift of time, goods or money to support those who could use a helping hand.

Saving for yourself and others Caring for someone close to you can be challenging, here are some tips to help manage the financial aspect of that care.

Adaptive learning resources Teach adults with diverse learning abilities to understand the basic financial skills needed for employment and independent living.

Make the most of your checking account – and minimize costs How to combine technology, bank resources and smart choices to minimize checking account costs.

Improve your financial fitness Even small changes can have a big impact on saving – here’s how to create a budget, pay down debt and build savings.

Load more articles Financial education resources TD Bank WOW! Zone

Support financial literacy with free lessons, activities, TD volunteer instructors and a virtual stock market game.

Student Budget Calculator

Forecast your total costs for the school year, estimate your available money and get help on how to plan.

Additional resources, tips and tools Questions about money management? Our interactive guides can show you how to get smart with your money – in less than 10 minutes

Questions about money management?-Find out more* Find out more* Small business resource center

Access tools and resources designed to help you stay ahead

Small business resource center-Get started Get started Invite a bank instructor to visit in person or virtually

Request a visit to your school, workplace, nonprofit or public organization. Eligibility dependent on organization type and/or location

Invite a bank instructor to visit in person or virtually-Contact us Contact us My Money† for Florida residents

A financial literacy program for individuals with developmental disabilities

My Money for Florida residents-Find out more* Find out more* Credit and Lending Explore these tools and resources for how to build and maintain good credit, how to start saving to buy a home and more.

\r\n"}}" id="text-c95d5baa1b" class="cmp-text">

Explore these tools and resources for how to build and maintain good credit, how to start saving to buy a home and more.

Building a good credit score Tips on how to establish and maintain good credit.

Get smart about credit How good – and bad – credit impacts your life.

There's no place like home Considering whether to rent or own? Here’s information and tips to help you weigh your options.

Managing your identity Guidelines to help you protect your identity and your credit.

Load more articles Financial education resources TD Bank WOW! Zone

Support financial literacy with free lessons, activities, TD volunteer instructors and a virtual stock market game.

Student Budget Calculator

Forecast your total costs for the school year, estimate your available money and get help on how to plan.

Additional resources, tips and tools Questions about money management? Our interactive guides can show you how to get smart with your money – in less than 10 minutes

Questions about money management?-Find out more* Find out more* Small business resource center

Access tools and resources designed to help you stay ahead

Small business resource center-Get started Get started Invite a bank instructor to visit in person or virtually

Request a visit to your school, workplace, nonprofit or public organization. Eligibility dependent on organization type and/or location

Invite a bank instructor to visit in person or virtually-Contact us Contact us My Money† for Florida residents

A financial literacy program for individuals with developmental disabilities

My Money for Florida residents-Find out more* Find out more* Important Disclosures *By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

\r\nNeither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.

\r\nThird party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third party website before you provide personal or confidential information.

\r\n†The My Money Program, created by the Florida Department of Financial Services, is a comprehensive and inclusive financial literacy program and resource clearinghouse for individuals with developmental disabilities, their family members and caregivers.

\r\n"}}" id="text-c8ff3561c4" class="cmp-text"> *By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.

Third party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third party website before you provide personal or confidential information.

†The My Money Program, created by the Florida Department of Financial Services, is a comprehensive and inclusive financial literacy program and resource clearinghouse for individuals with developmental disabilities, their family members and caregivers.

Have a question? Find answers here What's your question? Ask Us Popular Questions Sorry, we didn't find any results. You could check for misspelled words or try a different term or question. We're sorry. Service is currently unavailable. We found a few responses for you: We matched that to: Popular Questions View morepopular questions Helpful Related Questions View morehelpful related questions Did you find what you were looking for? YesNo Thank you We're sorry. Service is currently unavailable. Sorry this didn't help. Would you leave us a comment about your search?

Submit Thank you Back to top Find Us Help Back to top Contact Us

Call us Ask our virtual assistant Book an appointment Ask the TD Help Center Give feedback Checking & Savings 

Checking Savings Student CDs IRAs Cross-Border Banking Credit Cards 

Balance Transfer Cards Points Rewards & Cash Back No annual fee Low intro APR Build Credit Business View all credit cards Lending 

Personal loans Mortgage Home equity Manage Your Account 

Enroll in Online Banking Download mobile app Report fraud Privacy California Privacy Online Advertising Terms of Use Security About Us Accessibility Careers Site Map Corporate Office
4140 Church Road, Mount Laurel, N.J., 08054.

©2026 TD Bank, N.A. and/or its affiliates. All rights reserved.

Equal Housing Lender

\r\n"}}" id="text-269b241d3d" class="cmp-text"> Equal Housing Lender

Member FDIC. Bank Deposits FDIC Insured

\r\n"}}" id="text-f6d45f5af5" class="cmp-text"> Member FDIC. Bank Deposits FDIC Insured

\r\nINVESTMENTS, SECURITIES AND ANNUITIES\r\nNOT A DEPOSIT

\r\n\r\nNOT FDIC-INSURED

\r\n\r\nNOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

\r\n\r\nNOT GUARANTEED BY THE BANK

\r\n\r\nMAY LOSE VALUE

\r\n\r\n\r\n"}}" id="text-682129736f" class="cmp-text"> INVESTMENTS, SECURITIES AND ANNUITIES NOT A DEPOSIT

NOT FDIC-INSURED

NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

NOT GUARANTEED BY THE BANK

MAY LOSE VALUE

\r\nINVESTMENTS, SECURITIES AND ANNUITIES\r\nNOT A DEPOSIT\r\nNOT FDIC-INSURED\r\nNOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY\r\nNOT GUARANTEED BY THE BANK\r\nMAY LOSE VALUE\r\n\r\n"}}" id="text-b8eb72277d" class="cmp-text"> INVESTMENTS, SECURITIES AND ANNUITIES NOT A DEPOSIT NOT FDIC-INSURED NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOT GUARANTEED BY THE BANK MAY LOSE VALUE See you in a bit\r\n"}}" id="text-4b6d6307de" class="cmp-text"> See you in a bit You are now leaving our website and entering a third-party website over which we have no control.

\r\n"}}" id="text-0631c0deae" class="cmp-text"> You are now leaving our website and entering a third-party website over which we have no control.

Continue to Site Back to TD Bank Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.

\r\nThird-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

\r\n"}}" id="text-eeed07a484" class="cmp-text"> Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.