Financial Tips & Information

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Saving Tips

Budgeting 101

The key to a budget is tracking expenses and categorizing them as needs (i.e. insurance, housing, transportation, electricity, food, medicine, work clothing, and minimum payments on debt) and
wants […]

Apr 9, 2020

Saving on a Tight Budget

How can those who currently aren’t saving afford to save money? And how can those saving only a little save more? Here are nine tips for saving money when budgets are tight […]

Apr 9, 2020

4 Step Guide to Budget Planning

Whether you’re planning to save for college or retirement, your debt challenges are unique, we understand that. This guide designed to help you save money and get out of debt, yet the entire process of doing so is easier said than done[…]

Feb 13, 2020

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Debt Relief Tactics

9 Tips for Dealing with Debt Collectors and Collection

It’s something most consumers dread, a debt collector calling to ask about an unpaid credit card debt, past due student loan or medical debt. Here are 9 tips for dealing with debt collection […]

Apr 9, 2020

How to Write a Debt Settlement Letter

Writing a debt settlement letter can be a tricky process for a beginner. This process involves creating an attractive pitch to a creditor that your settlement is worthy enough for them to wipe out your debt balance. Here are a few tips to follow[…]

Feb 14, 2020

4 Tips to Avoid Holiday Credit Card Debt

During the Christmas season the average American household’s credit card debt spikes up – and largely stays up. According to NerdWallet’s 2017 Consumer Holiday Shopping Report, gift-buying Americans planned to spend $660 on average, which[…]

Oct 2, 2018

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Credit Card Debt & Loans

Important Factors to Consider When Purchasing a Car While in Debt

Cars are fickle things that require a lot of maintenance. Oil changes, tire rotations, and yearly tune-ups are all part of owning a vehicle. Unfortunately, the financial aspect of purchasing a car can be equally fickle, especially if you’re in debt. Debts are more of a factor than ever in purchasing a new auto: Experian […]

Feb 5, 2020

Debt and Marriage- What You Should Know Before You Say ‘I Do’

It’s quite interesting the phrase “for richer or poorer” is part of most wedding vows, as it implies that your spouse’s financial situation is in fact, a critical aspect of any marriage. This is more relevant than ever, given the present situation of younger Americans today. Whether it’s from credit card debt or student loans, […]

Sep 11, 2018

Consumer Debt in America-Where Our Country Stands Today

As Americans, we’re pretty much all in debt. How bad is the debt crisis exactly? That depends on who you ask. And when. The Federal Reserve keeps a close eye on trends influencing lending, debt, and the overall economy. A new quarterly report is released every three months. The Federal Reserve report in June 2018 […]

Aug 27, 2018

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Credit Report & Score

Credit Reports, Credit Scores and Credit Transactions

When you apply for a credit card, a personal loan, or insurance, a file about you is created. This file, known as your “credit report,” is maintained by credit reporting companies. Your report will grow to include […]

Apr 9, 2020

3 Simple Ways Young Adults Can Build Credit

Building credit can be challenging when you don’t have any credit history to your name, and many don’t know where to start. You may or may not get approved for a credit card, auto loan or that apartment for rent if your credit history hasn’t been established. Here are three ways to shape your credit […]

Sep 18, 2018

How to Maintain a Clean Credit Score

Almost every US citizen knows her or his Social Security number by heart, even if it’s a meaningless series of digits. But too few of us know our credit scores. And unlike an SSN, your credit score has a profound effect on your finances and future. Credit scores are notoriously fickle things. Yet they can […]

Aug 17, 2018

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Credit Protection

What is Black Market Value of Stolen Credit Card Info?

Major security breaches have become too common of a story, with retailers and websites hacked with alarming frequency. It has become so common that it can often take a fairly egregious breach – think SONY in 2014, or Target in 2013 – for something to become a high-profile news story. Stealing and selling personal information […]

Mar 10, 2018

How to Protect Your Child’s Identity at Every Age

Some lenders require a social security number with a clean credit history, but don’t necessarily check that the borrower’s name matches the number, so thieves can get away with using social security numbers that aren’t assigned to anyone at all. Your child’s identity can be at risk at any point in life. Children are easy […]

Mar 9, 2018

Did the CARD Act Really Protect College Student Credit Scores?

Before the Credit Card Accountability, Responsibility, and Disclosure or CARD Act went into effect in 2009, it was a much more common sight to see credit card companies setting up kiosks welcoming students to campus, offering swag in exchange for filling out an application for a college-affinity card. Credit cards branded with the logo and […]

Mar 6, 2018

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