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The CreditGUARD of America Blog

Smart Ways to Save Money Fast

If you’re looking for creative ways to save money fast, we’ve got you covered. From coupons to budgets to boundaries, these tips will help you create a new vision for your relationship with money. Use a Bank Without Fees Does your bank charge you a monthly account maintenance fee or require minimum balances to avoid […]

When to Use Debit Vs. Credit Card

There has been much discussion over whether to use a debit card or credit card, and which situations are best for each type of card. Because many bank cards these days can be processed as either debit or credit transactions, we will focus on the contrast between debit and credit, generally speaking. Know Your Bank […]

Combining Finances After Marriage

If you’re newly married or engaged to be married, few things are more important than discussing your finances with your partner. Regardless of how you structure your accounts, communication is essential! Goals Setting goals is one of the most important things that many couples fail to accomplish. Whether you’re growing financially or struggling to get […]

Debt Management: Avoiding the Payday Loan Scam

If you’ve found yourself in a pinch, you may have considered a payday loan. If you’ve never gotten one, stay far away from payday lenders! Payday Loan Statistics The Consumer Financial Protection Bureau reports that more than 80% of payday loans get rolled over into or followed up with a new loan within two weeks […]

The Truth of Gas Station Credit Cards

With gas prices at about $2.35/gallon on average as of October 2018, it makes sense that consumers would be looking for ways to trim up the budget or even cut the occasional corner. Credit cards that offer cash back are becoming increasingly popular with consumers who are searching for easy ways to save a couple […]

Budgeting for Kids

If you’re thinking it’s time to teach your kids about money, you’re probably right. Regardless of your kid’s age, if they are old enough to learn about responsibilities at home like chores, they’re old enough to learn the basics of how money works. Connecting the Dots Does your child understand the connection between work and […]

Shared Ownership of Things

Note: CreditGUARD does not promote the indiscriminate sharing of your possessions. If you choose to be neighborly and lend things out, make sure that there’s accountability. You should never lend out valuable equipment to someone you don’t trust or don’t know well. Always be responsible and discerning. CreditGUARD is not responsible for any unreturned property. […]

What is the difference between a fixed and adjustable interest rate?

According to the Federal Reserve Board’s guide to mortgage rates, the reason that the topic of fixed vs. adjustable rates is complicated because you need to know “about indexes, margins, discounts, caps, negative amortization, and convertibility.” They go on to say that it’s essential “to consider the maximum amount your monthly payment could increase [and] your […]

What Is the Difference Between Unsecured and Secured Debt?

Not all debt is created equal. Many people will say, “There’s no such thing as good debt,” and, to a certain degree that’s a wise saying. When it comes to “good” debt, the word can be misleading. Really, it’s that “secured” debt that is “better” than unsecured debt. Debt is considered to be secured if […]

How to Choose a Bank or Credit Union

Choosing a bank can seem like a confusing and daunting task, especially if it’s always seemed like there was no choice at all. Many people have accounts at the banks they do because that’s just the way it’s always been. But the truth is, you do have a choice. If you aren’t happy with your […]