Retirement is meant to be a time to relax and enjoy the fruits of your labor, but for many, it also brings financial challenges. As you move out of the workforce and onto a fixed income, managing expenses like debt, housing, and medical costs becomes crucial to maintaining financial security. If you’re approaching retirement or […]
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.
Navigating Business Credit vs. Personal Credit
For many entrepreneurs—especially those running small businesses or launching side ventures—the line between personal and business finances can easily blur. While this might not seem like a big deal at first, understanding the difference between business credit and personal credit is essential for protecting your financial health, unlocking funding, and building long-term stability for both […]
Continue ReadingThe Hidden Costs And Consequences Of A 50 Year Mortgage
In recent policy discussions, the concept of a 50‑year mortgage has resurfaced as a potential solution to the growing affordability crisis in the housing market. Supporters claim that extending the mortgage term from the traditional 30 years to 50 years could make homeownership more attainable by lowering monthly payments. While that idea may sound appealing […]
Continue ReadingCredit After Crisis: Rebuilding Credit After Bankruptcy
Bankruptcy can feel like a financial rock bottom, but it’s far from the end of your credit journey. For many, it’s a necessary step to wipe the slate clean and start fresh. While bankruptcy does leave a mark on your credit report—typically for 7 to 10 years—it doesn’t mean you’re doomed to poor credit forever. […]
Continue ReadingHow HUD-Approved Counselors Help Families Build Housing Stability
Safe, stable housing is the foundation for financial well-being. At Advantage Credit Counseling Service, we are proud to be a HUD-approved housing counseling agency, providing professional, unbiased support to individuals and families throughout our region. Our counselors are HUD-certified, meaning they meet national training and qualification standards to ensure accurate, reliable guidance for renters, homeowners, […]
Continue ReadingWhen Life Throws A Curveball: Budgeting For Job Loss, Illness, Or Major Changes
Life doesn’t always go according to plan. Whether due to an unexpected job loss, a serious illness, a major family change, or any shift that affects income or expenses, the financial impact can feel overwhelming. However, with a thoughtful, proactive budgeting strategy, you can find clarity, regain control, and build resilience. Below is a step-by-step […]
Continue ReadingThe Journey Of Financial Behavior Changes
Creating a budget is often the easy part. You grab a notebook, open a spreadsheet, or download an app, determined to take control of your finances. However, after a few weeks—or even a few days—old habits creep back in. You overspend on takeout, forget to track purchases, or get discouraged when you don’t see immediate […]
Continue ReadingWhen Income Drops: How To Adapt Your Budget Without Losing Ground
Life doesn’t always go according to plan. A job loss, reduced work hours, medical emergency, or other major life change can suddenly shrink your income. When that happens, it’s easy to panic—but with the right approach, you can adapt, protect your financial stability, and avoid long-term damage to your credit. Here’s how to take control […]
Continue ReadingThe Scary Truth About Teens And Money
Around this time of year, we typically publish a blog post about “How to Save Money on Halloween Décor” or “Halloween Costumes on a Budget,” and so on. We wanted to do something a little different this year. We’re going to take a closer look at teens and their money management skills because let’s be honest, […]
Continue ReadingDebt Management Programs vs. Debt Settlement: What’s The Difference?
If you’ve been struggling with credit card bills, loan payments, and mounting interest, you’ve probably searched for solutions online. Two common terms that often pop up are Debt Management Programs (DMPs) and Debt Settlement. At first glance, they might sound similar—both aim to reduce your debt burden—but they operate in very different ways and have […]
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