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Enjoy Spring Without Excess Spending

We all love springtime. The birds are singing, the trees are blooming and the weather is just right. It is the perfect time to spend outdoors, especially when you are using your time to plant a beautiful and productive garden. But for those of us who struggle with debt or making ends meet, starting a […]

The Psychological Effects of Debt

There is no doubt that money has an effect on every aspect of our lives, and for most of us, debt is a common consequence simply of living. Whether debt comes from student loans, medical bills or everyday spending necessities, being financially indebted can not only put a strain on your financial responsibilities, it can […]

Summer Savings Tips for Better Money Management

When it comes to summer savings, “Less is more,” or so they say. Keeping your summer bills down without breaking a sweat is possible, and though summer may be sweltering, your bills don’t have to be. So before you start cranking up the AC, take a look at a few tips to help you stay […]

10 Secret Habits of Debt-Free People

1. They’re always saving People who are financially stable know that the number one rule to being good with money is to save — a lot. All the time. They curb their impulsive spending habits and instead put that money to productive use in a savings or investment account. 2. They set goals Debt-free people […]

Back to School: Credit Concerns for College Students

College undergraduates are back in school and will soon be starting their credit “rite of passage” by applying for credit cards and student loans. These young adults are expected to become responsible managers of their own financial future. Are these college students ready? No! Facts indicate that college student credit usage is out of control. […]

Thinking About Cosigning a Loan? Read this First!

Are you wondering if cosigning will hurt your credit? Well, if you’ve never cosigned a loan, you’re probably wondering what this would mean for you. If you’re contemplating doing this as a favor for someone, arm yourself with the knowledge to avoid a worst-case scenario. If someone’s credit score is less than what’s needed to […]

Truth about Payday Lending

In the past decade or so, there has been a lot of advertising on short-term cash solutions and you may have noticed countless “Payday Lenders” pop up in almost every neighborhood strip mall. Nowadays, there are more payday lenders across the United States than McDonald’s. In the last couple of years, the government and consumers […]

Minimum Credit Card Payments on the Rise

Federal regulators are pressuring major credit card companies to increase the current minimum credit card payments from 2% to 4% of the total outstanding balances. The regulators argue that taking such a step would help consumers get out of debt sooner and hence reduce their overall interest charges. On the other hand, credit experts’ claim […]

After the Hurricanes: Long Term Disaster Assistance Programs

After hurricanes Katrina, Rita and Wilma ravaged the coastal regions of the U.S. many people are still unable to find their grounds and get back to normal lives. The damage caused by these hurricanes to people’s homes, livelihoods, automobiles and personal belongings have amounted to billions of dollars and many who lost all or most […]

How did all that debt get there?

Boca Raton, FL—Credit Card Debt is at epidemic proportions. It affects more Americans each year than heart attack, stroke, and diabetes combined. It is a dangerous “silent killer” carried by most Americans. How did all that debt get there? For Sarah C., “it all started on campus the day I got my first credit card […]

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