Archives: Articles

Options Besides Cable or Satellite TV

Cable prices are getting pretty ridiculous these days. It’s not only the cable packages but the pay-per-view movies as well. Satellite services can be just as expensive as cable television. Many people are looking for other options because their monthly bills are getting too costly. If you’re on a budget then your cable and telephone bills […]

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Understanding Your Credit Score

What Is A Credit Score? A credit score is a three-digit number ranging from about 300-850 that reflects your credit risk level. It is a snapshot of your credit risk at a particular point in time and is calculated using a mathematical equation with information from your credit report. Lenders use your score to evaluate […]

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Teaching Teens to Save Money Before College

Before your teenager leaves for college, it’s important to teach them valuable money skills so that they learn not only how to take care of themselves, but also how to stay out of debt. If you teach your teen how to make smart money choices now, it can have a lasting impression on their financial […]

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Teaching Children About Money

When it comes to teaching your children about money, think of it as teaching them survival skills. If you do not teach them about money–budgeting, saving, shopping and credit–it will be left to trial and error, which could prove costly and time consuming. Since only about 10% of young people learn personal money management in […]

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Surviving Unemployment

Worrying about money is just one of the many stresses involved in losing a job – but it is a major one. You’ll want to halt all unnecessary spending. Go into ‘crisis mode’ and get real conservative with your spending. Finding new employment may take longer than you expect, and you’ll need to deal with […]

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Refinancing Loans

THE INS AND OUTS OF REFINANCING A CAR LOAN: WHAT EVERYONE NEEDS TO KNOW BEFORE THEY DECIDE TO DO IT So, it’s time to begin refinancing the car loan. The payments are becoming just too much to handle. There’s no other way out. Before some of you make that call to the bank or creditor, […]

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Pros and Cons of Bankruptcy

Making the choice to declare bankruptcy is not a decision people should take on lightly. For some people, bankruptcy may be the only choice. A certified credit counselor and a bankruptcy attorney can help you find out what your options are and help you decide. Declaring bankruptcy could save you from losing your home, your car, and […]

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Becoming Debt Free Starts Here

If you're struggling to make ends meet, our team of certified counselors are waiting to help you find a solution that's right for you. No matter what your financial situation may be, remember you're not alone