Tag: house

10 Reasons Why Winter Can Be A Budget-Breaker

Summer can be a high-cost season with family vacations, more outdoor activities to do, and summer parties to attend, but winter can also be a high cost season for other reasons. Winter is when many expenses suddenly appear that were not present during the warm summer months. Some expenses are unavoidable, while others can be […]

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7 Budget-Friendly Options Besides Cable TV

Many Americans are cutting the cord to cut back on their monthly expenses. The average cable bill in the US is now well above $150 each month. Therefore, cutting cable could remove about $1,800 each year from the average American family’s budget. These costs only promise to increase in the future, and the average bill […]

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New Survey Reveals Top Barriers To Homeownership

The 2019 Consumer Financial Literacy Survey reveals the most significant obstacles faced by prospective homeowners, underscoring the need for homebuyer counseling and education. As Financial Literacy Month is recognized throughout the nation in April, Advantage Credit Counseling Service and the National Foundation for Credit Counseling® (NFCC®) are working together to spotlight the results of the […]

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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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How to Build a Strong Financial House with Housing Counseling

For most Americans, buying a home is the largest purchase they will make in their lifetime. But it’s not enough to know what neighborhood, style of house, or square footage you want. Consumers also need to have their financial affairs in order prior to considering homeownership. A consumer’s financial history and credit rating are two […]

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How Credit Counseling Can Help You Get A Mortgage

We get asked this question almost every day “Can you get a mortgage if you’ve done credit counseling and are on a Debt Management Program (DMP)?” The short and sweet answer is “YES”! There are a few things that you need to consider though. Consumer credit counseling can get individuals with poor credit scores on […]

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Affordable Ways to Cool Down Your House in the Summer

Summer is here and so is the squelching heat! We are all going to make the most of these few precious months of warmth before the harsh winter rolls in. While it is great to break out in those shorts and flop around the beach or pool in sandals. The fact remains that a house […]

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Housing Counseling is Helpful in All Stages of Homeownership

The process of homeownership is a complicated one. Searching for a home, choosing a home, deciding to buy it, and maintaining it can be very difficult. Many individuals strive to understand the choices. Purchasing a home without any experience is scary. Many studies have demonstrated that housing counseling and education for homeowners and potential home […]

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How To Avoid Foreclosing On Your Home

Foreclosure is when you are unable to keep up with making your monthly mortgage payments on your home. This situation then allows the lender to seize your property, evict you, and then sell the home and keep the proceeds from the sale. This is all stipulated in the mortgage note that you signed. Facing foreclosure […]

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The High Cost of Rent to Own

The concept of rent to own can be very appealing to people with low credit scores and who are short on cash but wish to purchase new electronics, appliances, or furniture. Rent to own stores make it possible to own items that you may not otherwise be able to afford. Because you don’t have to […]

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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