Category: Misc.

How To Make S.M.A.R.T. Financial Goals

Goals are dreams or wishes that could come true – if you work really hard at them. If your financial goals are specific enough, they will motivate you to balance your spending and savings in order to reach your objectives. If you don’t set financial goals, you will find yourself saying “I wish I had…” later […]

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How To Retire On Very Little Money

Americans are notorious for being terrible savers. More than one-fifth of all United States adults have absolutely nothing stored away for retirement. Nearly four-fifths of all Americans are seriously worried that they will run out of savings before they pass away. Retirees, however, don’t actually need that much money saved up prior to leaving their jobs, kicking back, and relaxing. Most […]

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How Workplace Financial Wellness Programs Can Help

The 2018 PricewaterhouseCoopers (PwC) Employee Financial Wellness Survey found that 54% of employees are stressed about their finances. According to a Country Financial Security Index survey, 67% of Americans worry about their financial future, credit card debt last year hit a record high, and 44% of people can’t come up with $450 to cover an […]

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New Mobile-Friendly Online Credit Counseling Is Here

Recent research shows that mobile phone Internet traffic is predicted to account for nearly 64% of all Internet traffic in 2019. We recognized that with a prediction like that we had to do something, make some changes, and get ahead of the competition in the mobile marketing race. We knew that our online credit counseling […]

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How to Manage Your Finances During a Furlough

A furlough is an action of placing an employee in a temporary nonduty and nonpaid status because of lack of work or lack of funds. There are two main types of federal government furloughs — a “shutdown” furlough and a “save money” furlough. We are currently experiencing a partial government shutdown furlough, and it’s hitting […]

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How To Decompress From Holiday Financial Stress

The holidays can be one of the most stressful times of the year. Dealing with problematic relatives, travel, and planning can all cause a lot of anxiety that catches us off guard each and every year. One of the biggest contributors to the tension during the holidays is budgeting and financial stress. What are a […]

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How to Deal with the Financial Effects of a Natural Disaster

Natural disasters can cause an enormous amount of devastation and damage, but the effects can actually be more far-reaching than many imagine. When a natural disaster strikes, debt and/or your personal finances are probably the LAST things on your mind. But these two topics are going to come to light pretty quickly after something bad […]

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Should Your Teenager Have A Credit Card?

According to TransUnion, 20 percent of people who are between the ages of 13 and 18 have a credit card. However, many parents are still reluctant to give their teen a credit card. There are negatives that come along with it. For example, teens who do not use their credit cards responsibly can potentially ruin their credit […]

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Advantage CCS Teams Up with CardRates.com to Talk About Free Consumer Credit Counseling

Our very own Heather Murray, Manager of Regulatory Compliance and Education, recently spoke with Ashley Dull who is the Editor-in-Chief at www.CardRates.com about our holistic approach to tackling credit card debt and what our free consumer credit counseling can do to help people who are struggling with unsecured debt such as credit cards and medical […]

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7 Helpful Lessons Learned From A Lemonade Stand

Just about every person in the country either owned a little lemonade stand with their friends when they were a kid or they knew someone else who owned one. What those people didn’t know was that they were learning valuable financial lessons that would help them later on in life and business. The following are […]

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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