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The CreditGUARD of America Blog

Shared Ownership of Things

Note: CreditGUARD does not promote the indiscriminate sharing of your possessions. If you choose to be neighborly and lend things out, make sure that there’s accountability. You should never lend out valuable equipment to someone you don’t trust or don’t know well. Always be responsible and discerning. CreditGUARD is not responsible for any unreturned property. […]

What is the difference between a fixed and adjustable interest rate?

According to the Federal Reserve Board’s guide to mortgage rates, the reason that the topic of fixed vs. adjustable rates is complicated because you need to know “about indexes, margins, discounts, caps, negative amortization, and convertibility.” They go on to say that it’s essential “to consider the maximum amount your monthly payment could increase [and] your […]

What Is the Difference Between Unsecured and Secured Debt?

Not all debt is created equal. Many people will say, “There’s no such thing as good debt,” and, to a certain degree that’s a wise saying. When it comes to “good” debt, the word can be misleading. Really, it’s that “secured” debt that is “better” than unsecured debt. Debt is considered to be secured if […]

How to Choose a Bank or Credit Union

Choosing a bank can seem like a confusing and daunting task, especially if it’s always seemed like there was no choice at all. Many people have accounts at the banks they do because that’s just the way it’s always been. But the truth is, you do have a choice. If you aren’t happy with your […]

America’s Debt Crisis

As of March 2018, the U.S. national debt topped $21 trillion. Let that sink in for a minute. Comparably, the total household consumer debt in the U.S.A. was $13.5 trillion at the same time. The biggest ticket item comprising consumer debt in America? Mortgages. Next in line are credit cards. U.S. consumers have racked up […]

Debt & Depression: 4 Things You Need to Know

What is the Connection Between Debt and Depression? It may sound obvious, but there is a definite connection between carrying debt and being depressed. One can seem to compound the other. Read on to learn more about the relationship between debt, depression and stress, and what you can do to combat stress and depression while […]

Debt and Stress: Effects and Solutions

Stress is a harmful condition that is mostly associated with adulthood and dealing with responsibilities. Stress works as an alarm system which alerts the body to a threat of survival. It keeps the body in a constant state of anxiety and worry over this identified threat, and if not removed leads to depression and poor […]

4 Reasons Why You Should Budget Your Money From The Experts

Financial advisers agree that everyone should have a budget, but more than two-thirds of Americans don’t. In the end, not taking the time to organize your expenses could have serious financial repercussions. But instead of looking at the negative aspects of not budgeting, here are a few positive attributes that explain why you should. Work […]

Personal Budgeting and Planning Resources

Budgeting Tips and Resources The most critical factor in managing your debt is knowing how to accurately budget. But, before you can establish a personal budget, you must first take a look at how you’re spending your money, both in the short term and the longer term. Tracking Your Spending To get an accurate financial […]

January Holiday Budgeting

Does this sound familiar? It’s January, and it’s cold. You’re already dreaming of summer vacation on the beach. Then, reality hits. The first credit card bill of the new year. Yeah, it was nice to give so many thoughtful gifts, but ultimately, it will take most of this year to pay off last year’s Christmas. […]