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Archive for the ‘Credit Counseling’ Category

Frugal Family: Buying New vs Used

New vs. Used?: How and When to Save Money One of the best and easiest ways to save money for your family is to buy used items whenever possible. In most cases, you’ll be just as happy with the item and get just as much functionality as you would with a new one for a […]

Spring Cleaning | 3 Household Items to Sell for Cash

Easy ways to turn your unwanted household items into extra funds The spring season brings a much-needed feeling of revitalization after winter’s long snowy months. One way to bring that sensation into your home is with a spring cleaning. This doesn’t just mean cleaning windows or emptying your fridge; it is an opportunity to completely […]

How to Get Collections Agents to Stop Calling!

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 […]

Debt Management Programs: What to Know

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: What to Know

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 […]

Can Buying in Bulk Actually Cost You More?

There are two types of shoppers: those who shop more but buy less and those who shop less but buy more. In theory, buying in bulk helps you save money because the individual price for something is lower. In other words, the more you buy, the more you save. However, buying in bulk can be […]