Tag: Money Management

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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7 Ways Convenience Is Destroying Your Budget

Setting a spending budget is one way to help control personal finances, but there are other factors that need to be considered to ensure one keeps to the budget that is set. Consumers are often offered a variety of options when it comes to purchases. Choosing to purchase an item or service out of convenience […]

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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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How To Budget When You Are Broke

If you have a low income or no income right now, then it may seem like it is impossible to set a budget. Budgeting is a lot harder when your income is low. However, there are several things that you can do to live within your means. It takes dedication, hard work, and patience, but you […]

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Ridiculously 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, […]

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Free Credit Counseling Can Relieve the Stress of Debt

Could you be a good candidate for free credit counseling? Ask yourself these questions: Do you feel like you need a break when you sit down to do your bills every month? After you have paid your monthly bills, do you avoid buying anything for two weeks, so you don’t overdraw your account? Do you […]

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7 Reasons To Get Rid Of Your Credit Cards

If credit card companies had it their way, consumers would charge any and every purchase they make every single day of their lives. Unfortunately, that would only be fun until it came time to pay the enormous bill. While it can be difficult to resist temptation from time to time, there are a few excellent […]

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Reasons Why You Might Not Join A Debt Management Program

We’ve been in business for over 50 years now (since June 17th, 1968) so we’ve heard about a million reasons why someone doesn’t want to sign up for a Debt Management Program even though they seem super interested and excited about it. The list includes a few common reasons such as: Monthly payments with Debt […]

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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