Nearly everyone has ideas about what would affect their financial success most in today’s risky investment world. While the economy is doing well now, there always are times when the stock market goes down and even crashes in some cases, and some might consider the volatility of investing there as the biggest threat. Some may […]
Continue ReadingTag: Credit Counseling
Is Non-Profit Debt Consolidation Right For You?
There can come a point where credit card debt can build up to levels that become overwhelming and too much for people to deal with. Maybe they’re already getting collection calls or getting mail that has bad news of what could happen if they don’t start paying up. When this starts happening, there are usually […]
Continue ReadingLearn Budgeting Basics For Successful Money Management
Learning the skills of money management can help individuals in so many areas of life. For example, when people want to save up money to purchase their first homes or to return to school, they can harness the power of budgeting. Having a budget also helps individuals to manage their income on a daily basis. […]
Continue ReadingHow To Deal With Aggressive Debt Collectors
Did your phone just ring again for the 50th time today? Are you wondering if it’s another debt collector? Dealing with aggressive debt collectors can be scary and time-consuming. Here are some tips on how you can deal with antagonistic or overbearing debt collectors who affect your life negatively. Talk to Them About Your Debt […]
Continue ReadingHow To Find Out What Is On Your Credit Card Statement
Credit card statements can be confusing. There are minimum payments, statement balances, and interest rates that show up on a monthly bill, among other things. The banks mail some statements to their customers. They deliver others digitally if the cardholder has opted in to receive electronic statements. There are due dates to worry about and […]
Continue ReadingHelpful Tips To Understand Your Credit Score
A credit score is an integral part of your credit history and overall is essential for many purchases, loans, and other important financial decisions or transactions. It can help determine a lot of things, such as interest rates that you’ll receive or even if you can rent that apartment that you’ve had your eye on. […]
Continue ReadingHow 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 […]
Continue ReadingHelpful Tips on How to Use a Credit Card Responsibly
There are some people that refuse to use credit cards thinking that if they don’t use them, they won’t get into difficult situations. The truth, however, is that credit cards can be powerful tools if they are used properly. They can help you build up your creditworthiness and increase your credit score if you use […]
Continue ReadingHow 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 […]
Continue ReadingRidiculously Simple Ways To Improve Your Finances
Personal finance articles and websites contain plenty of helpful pieces of advice to take control of a difficult financial situation and learn how to improve it. Unfortunately, many of the methods are either excessively complex or do not pertain to an individual’s or family’s real-life circumstances. These people want answers that work for them. Luckily, […]
Continue Reading