How do you know when it is time to file for bankruptcy? There are several reasons why a person would consider declaring bankruptcy. Here are some of the reasons why you need to consider filing for bankruptcy: Do you pay only the minimum payment on your monthly bills? Are you several months behind on your payments? Do you have […]
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.
Regain Financial Freedom with Debt Management
Whether you find yourself struggling month to month to pay your bills, fear the looming calls from debt collectors or even worry about potentially losing your home or car, it is important to recognize that there is hope. Thousands of Americans face the financial crisis of seemingly overwhelming debt. With the aid of debt management […]
Continue ReadingStudent Loan Debt Calculator
Before you decide which college you’ll attend, it’s important to understand where the money is coming from to pay for your college tuition, food, books, room and board, etc. Determine how much college will cost you by taking advantage of free online tools and calculators. You or your parents may have already started a college […]
Continue ReadingDebt Consolidation Tips
We all know that debt can be overwhelming and even cause problems among family members due to intense stress and many other factors. If you are looking for ways to get out of debt, then chances are you’ve heard about debt consolidation or debt management plans. We’re going to share some debt consolidation tips with […]
Continue ReadingWhat is the best debt to credit ratio?
We get asked this question a lot by our current clients and potential clients: “What is the best debt to credit ratio?” First, we must explain what a debt to credit ratio is. To put it in layman’s terms, it is how much you owe versus your total available credit limit. A debt to credit […]
Continue ReadingRetirement Calculator
Have you ever asked yourself “Do I Have Enough Retirement Money?” Many people ponder this important question, and it becomes more vital to seek an answer as we age. The sooner you start saving towards your retirement, the more money you will have once you actually retire. Who can benefit from retirement planning: Using a […]
Continue ReadingUnderstanding Credit Card Debt
According to CBS News, nearly half of Americans have more credit card debt then they do savings, the lowest percentage since the figure was first tracked in 2011. With each year, more and more Americans find themselves facing an uphill battle against credit card debt. Turning to the aid of credit counseling services may not […]
Continue ReadingHow to Build a $1,000 Emergency Fund in 10 Months
Do you have $1,000 set aside for emergencies? If you already do, you could probably use another $1,000 in that emergency fund. Experts recommend keeping, at least, three months expenses in a reliable, liquid account – though even an extra $1,000 can be a life-saver. But finding $1,000 to save isn’t always easy. That’s why we’ve […]
Continue ReadingCredit Card Debt Calculator and How to Pay Off Debt
You can always count on interest accumulating if you carry a balance every month on your credit cards. Sure, you may still have a month or two of “free interest” left on that credit card you signed up for, but when that promotion ends, what happens then? You get hit with some charges and fees […]
Continue ReadingPaying Off Student Loans
Student loan debt has surpassed credit card debt in 2014. Student debt has now crossed the $1 Trillion mark and will probably continue to rise quickly unless the government understands its implications on the US economic growth and takes action to mitigate the problem. The graduating class of 2014 is the most indebted, with roughly […]
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