Living with extreme debt is an all-encompassing experience. It can feel like there is never rest from your ballooning financial obligation. Every hour is filled with dread as your owed accumulated amount grows. It’s not uncommon to have difficult feelings during this time. Things are not made more comfortable with the introduction of collection agency […]
Archive for the ‘Credit Counseling’ Category
Debt Management Programs: the Path to Freedom
Between attractive credit card offers and quick financial fixes, anyone can easily find themselves under a sea of debt. If you find yourself struggling under high monthly payments and harassing calls from credit collection agencies, know you’re not alone. Northwestern Mutual’s 2018 Planning & Progress Study reports that the average American has $38,000 in personal […]
Debt Settlement vs. Bankruptcy
Debt Settlement Does Not Apply to: Mortgages Auto Loans Student Loans The Dangers of Debt Settlement The Center for Responsible Lending offers that most people seeking debt settlement would need a minimum of four accounts to find any benefit from the process. Moreover, working with a debt settlement doesn’t offer any guarantees. Not all lenders […]
4 Ways to Help Build Your Credit
Are you dealing with less-than-perfect credit? Perhaps you’ve been trying to apply for a loan but the offers you’ve received are way too high? Though your credit score may sound like just a random number, it’s actually much more than that. A good credit score helps you secure better loan options, which in turn will […]
Common Credit Mistakes
It wasn’t that long ago that financial experts were recommending young adults open credit card accounts to help them build up their credit. As a result of the variety of financial crises that have taken place in the last few years, these suggestions have since become far less common. Still, people of all ages get […]
Spring Break or Spring ‘Broke’?
If your expectations of the perfect spring break are being squelched by a lack of funds, you don’t have to sit around at home watching reruns and eating cheesy microwavable dinners. Instead of shouldering the burden of dealing with debt this spring break, why not plan a ‘staycation’ instead? What Exactly Is a Staycation? A […]
Stop Doing Dumb Things with Your Money
Doing dumb things with your money is easy. Being smart with your money is hard. If you want to be more financially secure, it’s imperative that you start by better managing your money. Take a look at a few simple everyday spending habits; look at why they’re costing you more than you think, and what […]
An In-Depth Look at Common Mistakes to Avoid on Your Tax Return This Year
Are you among the millions of Americans who are waiting till the last minute to file their tax return? Experts say those who wait longer tend to make more mistakes on their return form, which in turn can cost people both more money and more time. It’s estimated that over 80 percent of tax returns […]
How to Tell If You’re Headed for Credit Card Debt
Credit card debt affects consumers from all walks of life. In fact, millions of Americans deal with past-due credit card bills that they simply can’t afford to settle. If you’re one of them, you shouldn’t feel ashamed. The only surefire way to prevent credit card debt is stop it before it begins. So, instead of […]
