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Archive for the ‘Financial Advice’ Category

3 Strategies for Dealing with Holiday Debt

  The holiday season is a festive time of year filled with valuable family time and an endless supply of unforgettable memories. For many, these feelings of seasonal happiness may have caused you to lose control of your holiday spending. There is nothing to be embarrassed about; you’re not the only one. Many Americans struggle […]

Cryptocurrency: The Danger of Unsecured Currencies

  Note: CreditGUARD doesn’t support the use of cryptocurrency. To that end, we believe our readers and clients should be educated about all manner of financial issues including the current trends in digital forms of currency. CreditGUARD only recommends the use of FDIC-secured U.S. legal tender. Over the past ten years, the rise of cryptocurrency […]

Financial Reboot: New Year’s Financial Planning

At the start of every new year, many make resolutions to better themselves in the upcoming twelve months. A favorite new year’s goal for those living with debt is to transform their financial situation for the better. The goal is admirable in theory but difficult in practice. One of the hardest parts is understanding where […]

Home Bill Organizer

The Importance of Keeping a Home Bill Organizer Keeping track of your bills is important for many reasons. Organizing your bills can help you avoid late fees and make sure you don’t unintentionally damage your credit score. One of the best ways to track your monthly bills is to make a home bill organizer which […]

Managing Credit Card Debt in Retirement

It is increasingly likely that many Americans will enter retirement with some form of credit card debt. The average credit card debt among U.S. households in 2017 was $6,375, with the average credit card debt of those just entering retirement age at $7,550, according to Experian’s annual study on the state of credit and debt […]

Using Retirement to Pay off Debt

Using retirement funds to pay off your debt can sometimes be the most financially sound course of action, and sometimes it can lead to more problems down the road. When using money that you withdraw early from a 410(k), IRA or other retirement assets to pay down any debt you may have incurred, you need […]

Paycheck Budgeting

If you have a full-time job, you’re spending 40 hours or more at your place of work every week. This is a substantial amount of your personal time. These hours can begin to feel wasted when you live paycheck to paycheck, making no progress towards paying off your debt or other financial goals. Many believe […]

Purchasing A Home With Bad Credit

Bad credit can happen to anyone. Too many credit cards or late payments can send your credit score tumbling. Unfortunately, these costly mistakes make achieving larger life goals, like owning a home, difficult. If this is your situation, you have options. Purchasing a home with bad credit is challenging but not impossible. A potential homeowner […]

Reverse Mortgage Bankruptcy

Reverse Mortgages and Bankruptcy When you apply for bankruptcy, the widespread effects on your life can be greater than you imagine. You may be aware of the negative impact on your credit score and credit report, but bankruptcy can also halt any loans payments received through a reverse mortgage. For many older homeowners, a reverse […]

Using A Credit Card For Car Down Payment

Purchasing a car unlocks the open road, and with that, a whole new world of possibilities. Your vehicle may give you a sense of freedom, but it can also trap you in debt. An automobile purchase is one of the largest investments in many consumers’ lives. It should be done carefully and with the proper […]

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