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The household debt numbers in a new Nerdwallet report come as paying off debt is set to become more costly. The Federal Reserve on Wednesday raised interest rates for just the second time since they were cut to near zero in the wake of the 2008 financial crisis, and several more increases may lie ahead in the new year. Growth in four of eight major spending categories has outpaced growth in median income, according to the report. With medical expenses up 57 percent since 2003 and median income up 28 percent, for example, people with chronic health problems or who live in expensive cities may find the cost of living outpaces their cash flow, meaning they have to take on debt. Here’s where Americans’ debt levels stand at year end and a look ahead, interview skills lesson plan esl based on studies and forecasts from TransUnion and NerdWallet. Credit cards TransUnion’s forecast has the average credit card balance per consumer rising $100 from the fourth quarter of 2015 to year end 2016, to reach $5,437. By the close of 2017, the forecast is $5,509. As interest rates rise, so will monthly payments on revolving debt. Anyone fortunate enough to get a raise or bonus at year end undoubtably has many uses for the extra cash. One particularly smart move is buying greater financial flexibility by paying down high-interest debt.

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6, was 14 of 14 from the free-throw line to lead the Razorbacks, who made 29 of 31 free throws. ”It was a game of runs, and I thought we did a good job of getting to the free-throw line and making those free throws,” Arkansas coach Mike Anderson said. Dusty Hannahs added 15 points and Jaylen Barford had 11 my explanation points for Arkansas (9-1), which won nine of its first ten games for the second time in the last seven years. ”This showed we are growing still,” Hannahs said. ”We have a lot of work to do. We are at a look at this now B, but we want to get to an A-plus.” Tevin Mack had 20 points and 12 rebounds, Andrew Jones added 17 points and Kerwin Roach, Jr., had 12 points for the Longhorns (5-5), who shot 19 of 32 from the free-throw line. Jarrett Allen had 11 points and 10 rebounds for Texas. Trailing by nine, the Longhorns used a 9-2 spurt to cut the lead to 73-71 with 41 seconds left on a Jones free throw. But Arlando Cook hit two free throws with 38 seconds remaining, and Roach missed a layup on the other end before Macon hit two free throws to push the lead to six.

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