When you’re standing at the checkout counter and the cashier asks, “Credit or debit?” you might not think twice before swiping or tapping your card. After all, both credit cards and debit cards are small, plastic rectangles that give you access to money. However, the truth is, they work in very different ways—and understanding those […]
Continue ReadingAuthor: Lauralynn
Lauralynn is the Online Marketing Specialist for AdvantageCCS. She enjoys writing, reading, hiking, cooking, video games, sewing, and gardening. Lauralynn has a degree in Multimedia Technologies from Pittsburgh Technical College.
Housing Stability: How HUD-Approved Housing Counselors Can Help
For many households, August can feel like a financial turning point. Families may face the costs of back-to-school shopping, summer utility bills, or upcoming lease and mortgage renewals. With so many competing expenses, it’s not surprising that housing stability can become a concern. The good news is that you don’t have to navigate these challenges […]
Continue ReadingDigital Finance & Banking Tools: Your Guide To Smarter Money Management
In today’s world, managing your money no longer means flipping through a checkbook or holding onto piles of receipts. The digital age has given us powerful tools that fit right in our pockets. These digital tools help us track expenses, manage debt, set savings goals, and monitor our overall financial health. Whether you’re a seasoned […]
Continue ReadingBack-To-School On A Budget: Smart Money-Saving Tips For Families
As summer winds down, the excitement (and expense) of back-to-school season begins. From notebooks and new clothes to tech upgrades and activity fees, the average family spends hundreds of dollars preparing for a new academic year. According to the National Retail Federation, families with children in elementary through high school plan to spend more than […]
Continue ReadingWhy A Debt Management Program Is A Smart And Safe Choice For Debt Relief
When you’re feeling overwhelmed by debt, it’s easy to get discouraged or confused by the number of debt relief options available. Debt settlement ads promise to slash what you owe. Debt consolidation loans offer a single payment. Bankruptcy sounds like a clean slate. However, not all solutions are created equal—some can leave lasting damage to […]
Continue ReadingHow A Housing Counselor Can Help First-Time Homebuyers Succeed
Buying your first home is one of the biggest financial decisions you’ll ever make, and it can feel overwhelming. Between confusing mortgage terms, fluctuating interest rates, credit score requirements, and closing costs, many first-time homebuyers don’t know where to start. That is where a certified housing counselor can step in and make the process more […]
Continue ReadingHow Consumers Can Use AI To Save Money And Get Out Of Debt
Artificial Intelligence (AI) is no longer just a buzzword for techies and large corporations. It’s rapidly becoming part of everyday life—from helping you write emails to powering your smart home devices. However, did you know AI can also help you take control of your personal finances? If you’re looking for ways to save money, manage […]
Continue ReadingCelebrate A Budget-Friendly Fourth Of July In 2025
The Fourth of July is a time to gather with loved ones, enjoy fireworks, and embrace the summer spirit. However, with rising food prices, gas costs, and event fees, Independence Day can sneak up on your wallet. The good news? You can still have an unforgettable holiday without spending a fortune. Here are ten timely […]
Continue ReadingFinancial Literacy For Youth & College Students
As summer rolls in, many high school and college students find themselves with their first real paycheck, thanks to internships, part-time jobs, or seasonal work. It’s an exciting time filled with new opportunities, but also one of the most crucial stages for developing lifelong money management skills. Unfortunately, financial literacy isn’t always taught in school. That’s […]
Continue ReadingNavigating Personal Versus Business Credit And Debt
Being your own boss comes with incredible freedom, but also a fair share of financial responsibility. Whether you’re a freelancer, solopreneur, or micro-business owner, managing your money wisely is essential for both business success and personal well-being. One of the biggest challenges entrepreneurs face is balancing and separating personal and business credit and debt. As […]
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