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The CreditGUARD of America Blog

How to Know When It’s Time For Debt Consolidation

  Living with debt is a juggling act. You are asked to make large debt payments every month on top of your regular living expenses— like food, child care, gas, and utilities. This is a disastrous recipe for missed payments. As months go by without decisive action, an adverse effect on your credit score can […]

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 […]

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 […]

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 […]

How to Budget for a New Loan

There are times in life when a loan is necessary. Buying a new car or a house does this thing that makes getting a loan essential. The first step in knowing if a loan is right for you is to make sure that you have a solid grasp of where your finances are before you […]

The Importance of a 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 […]

How To Talk To Your Children About Debt And Savings

As parents, we try to prepare our children for the world. We pass on concepts like the importance of education and the power of charity work. When it comes to more taboo subjects, it can be challenging to get the conversation started. One such taboo talking point is money, especially debt and savings. It is […]

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 […]