Financial Advice

Budgeting for Teenagers: A Complete Guide

Budgeting for Teenagers: A Complete Guide

Step 1: Develop a Money Mindset If you’re like 90% of young people, there are older people who try to speak to you about money, starting with a monologue about how “if you just save and invest this dollar amount now, you can retire younger. Because compound interest.”... read more
13 Surprising Jobs that Offer Free Housing

13 Surprising Jobs that Offer Free Housing

Before we discuss the types of jobs that provide free or subsidized housing, we’d like to take a quick moment to note that CreditGUARD does not offer career counseling or advice about what jobs or living situations are best for you. As always, please use your best... read more
Do You Need Renter’s Insurance?

Do You Need Renter’s Insurance?

If you’re a renter and you value your possessions, you should absolutely invest in renter’s insurance. Read on to learn more about what renter’s insurance means for you and your home. What is Renter’s Insurance? What Does Renter’s Insurance Cost? What Does Renter’s... read more
What Is Tax Identity Theft?

What Is Tax Identity Theft?

What is shared here is based on our research and current understanding of information published by the IRS about tax identity theft. The information here information should in no way take the place of or override the advice of an IRS agent, tax preparer or accountant.... read more

5 Most Important Bankruptcy Questions and Answers

If you are considering filing bankruptcy or have recently filed, no doubt you have tons of questions. With so much conflicting information it can be hard to know where to turn these days. Let’s explore some of the most important questions and answers you may have... read more
The Costs of Filing Bankruptcy

The Costs of Filing Bankruptcy

There are many costs associated with filing bankruptcy. Some of these include filing fees, attorney fees, and trustee fees. While you may be considering bankruptcy as a way out of debt, it is important you weigh all the risks including understanding the fees you will... read more
What Is a Minimum Payment?

What Is a Minimum Payment?

If you have mounting credit debts, you have likely become familiar with the minimum payment. But what does making the minimum payment really mean, and what happens when you are unable to make it on time? Let’s look at how minimum payments affect your bottom line. What... read more
Understanding Medical Bankruptcy

Understanding Medical Bankruptcy

While medical bankruptcy is not a specific category of bankruptcy, you can still file bankruptcy for relief from medical debt. This simply means you won’t get to choose which debts are included in your bankruptcy, but your medical debts could still be covered. Let’s... read more
Understanding Credit Card Fees

Understanding Credit Card Fees

Each time you use a credit card, you are going to pay a fee for the privilege. But what are the different types of fees and which ones should you try and avoid? Let’s look over credit card fees and how they can affect your budget. Finance Charges or Interest Fees If... read more
Filing for Bankruptcy Without a Lawyer

Filing for Bankruptcy Without a Lawyer

Facing bankruptcy is a frightening proposition and should be avoided at all costs. If you have exhausted all other options and are left with only bankruptcy, you may be wondering if you should contact a bankruptcy attorney. Let’s address the pros and cons of... read more
Credit Cards vs. Debit Cards: What’s the Difference?

Credit Cards vs. Debit Cards: What’s the Difference?

In today’s world it is almost impossible to make it through the day without needing to use a card to make purchases. But all cards are not equal. While credit and debit cards may look nearly identical, there are major differences between the two. Let’s take a look at... read more
Black Friday Shopping: Is It Worth It? (And How to Prepare)

Black Friday Shopping: Is It Worth It? (And How to Prepare)

With the holidays around the corner, Black Friday is soon to be on everyone’s minds. Amazing deals, incredible sales, brand new products! But how amazing are those deals, really? Let’s check out some of the pros and cons of shopping on Black Friday. What is Black... read more

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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.