Budgeting

Tips for Saving Money While in the Military

Tips for Saving Money While in the Military

Joining the military and defending our country is one of the most noble deeds we can commit ourselves to as Americans. So soldiers, we salute you. And as you’re here to serve us, we at CreditGUARD are here to serve you with these money saving tips. Have a Plan of... read more
Minimalism For People in Debt

Minimalism For People in Debt

Whether you’ve accrued debt due to living beyond your means or as a result of a medical or other emergency, looking at your spending habits is a good way of beginning the journey to both paying down debt and being free of debt for good. We know that having a debt payoff plan is the most beneficial tool for attacking your debt.

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What People Who Are Debt-Free Do Differently

What People Who Are Debt-Free Do Differently

In our busy lives it is easy to not pay attention to our spending with the possible result that we find ourselves with lots of things and a lot of accompanying debt. Paying down debt is important in its own right, but while you are learning how to save money to pay down your debt, it might be just as important to learn how to live in such a way that you are not adding to your debt as you pay it off, and that you aren’t waiting until the day your debt is paid down to make large, unnecessary purchases that land you in debt again.

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Starting a Supper Club for Frugal Friends

Starting a Supper Club for Frugal Friends

Sharing food with friends is one of life’s great pleasures. When we think of having dinner with friends we often think of getting dressed up, going to a nice restaurant, and sharing a few bottles of wine. But these things can be expensive which can not only add up quickly, but put a strain on your relationships with your friends.

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Saving for College Tuition

Saving for College Tuition

Saving for college tuition is a great goal. But it’s probably only one financial goal on your list. Unfortunately, your mortgage, credit card debt, student loans, retirement and other finances all come before saving for your child’s educational future. But that doesn’t mean you don’t have options. We’ve put together a few frugal family options to help you start saving for your children’s future.

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Our Favorite Money Tips from Clark Howard

Our Favorite Money Tips from Clark Howard

Clark Howard. Chances are, you wouldn’t notice him walking down the street. But he’s one of the most famous practical money gurus out there. One of the things that makes Clark such a valuable resource is that he thinks differently. He’s great at taking your expectation and turning it upside down when it comes to being frugal.

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4 Ways to Create Funds for an Emergency

4 Ways to Create Funds for an Emergency

Generating $1,000 for an emergency fund doesn’t have to be overwhelming. There are many tips and strategies you can use to come up with the money you need. There will always be emergencies. They are sudden and unexpected, and can leave an unprepared family scrambling to catch up. Use these tips to set aside a fund for dealing with these types of situations as they arise.

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Affordable Fun You Can Enjoy Anywhere You Are

Affordable Fun You Can Enjoy Anywhere You Are

Spring is breaking through the cold weather all over the country, but you don’t have to let it break the bank. There are plenty of activities for you and your family to enjoy at little to no cost. So let’s put up those winter coats and have some fun!

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5 Budget Trips that Won’t Break the Bank

5 Budget Trips that Won’t Break the Bank

While you might dream of showing your family the world, worldwide travel isn’t always feasible—or budget-friendly. International travel becomes even harder for those in serious debt. But that doesn’t mean that vacations are out of your grasp. Your family can have a trip they will remember and cherish for years, and it all starts with a budget.

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Fixer Uppers vs. Move-In Ready Homes

Fixer Uppers vs. Move-In Ready Homes

Move-in Ready Homes There are two main reasons you’d need to buy a place that is ready for you to move in. FHA (Federal Housing Administration) loan restrictions Basically, you can’t buy a true fixer-upper with an FHA loan. There are provisions that exist to protect... read more
Understanding Home Equity

Understanding Home Equity

Home equity is the amount that your home is worth minus any outstanding mortgage loan balances. For example, if you purchase a home valued at $200,000 with a $150,000 mortgage, you have $50,000 equity in your home. Your home equity will most likely grow over time as the value of your home increases and as your loans are paid down or reduced.

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The Dangers of Only Paying the Minimum Payment

The Dangers of Only Paying the Minimum Payment

Most credit cards make you pay a minimum payment every month to keep your payment schedule current. This minimum is typically an amount based on a percentage of your balance but can be a fixed amount. If your wallet is tight, it can be tempting to only pay the minimum.

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By providing your information, you consent and request to be contacted by CreditGuard and/or our member(s) to your phone, cell phone, email, text/SMS, and through the use of pre-recorded messages and automated dialing technology at the number(s) listed above even if your number provided on the form above is on a State, National or Corporate Do Not Call List. You are not required to purchase any goods and/or services. Standard carrier and messaging rates will apply.

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Also See…

For more information on debt consolidation, please visit:

Why Choose CreditGuard? Learn what sets our debt consolidation services apart from the rest and how we can help you take control of your debt.

The Ultimate Debt Survival Guide. Need some practical advice for dealing with debt? You’ve come to the right place. This free downloadable guide can teach you the basics of managing debt (and more).

Is Debt Settlement a Good Idea? Debt settlement and debt consolidation are not the same. Learn more about the process (and consequences) of settling your debts before going down that path.