• How a Financial Audit Can Help You Set Goals and Plan for the Future

    When was the last time you did a serious audit on your finances?  We’re not talking about income taxes. And we don’t mean simply reviewing your budget (although that’s definitely important). We mean taking a serious deep dive into every facet of your financial situation, from your monthly income...
  • Seven Things to Do After a Data Breach

    Capital One. Marriott.  Panera. Target. Twitter. Facebook. The U.S. military.  What do all of these companies and organizations have in common? They’ve all been the targets of massive data breaches – breaches that affected millions of users and exposed everything from names and addresses to account numbers, passwords, and...
  • When You Need to Review Your Budget

    Some people are really good at planning ahead; others… not so much. Regardless of which camp you find yourself, there are some life events that really should make you stop and take stock of your financial situation. If you have a budget, you’re already a step ahead! Budgeting helps...
  • what to know when debt collectors are calling

    What to Know when Debt Collectors Come Calling

    Few things in life are more stressful than a call from a debt collector. After all, the feeling of being in debt is worrisome enough, especially if you’re having trouble making your monthly payments. And while you can’t simply make your debt disappear (paying down debt takes hard work,...
  • What NOT to do When You’re Repairing Your Credit

    What NOT to do When You’re Repairing Your Credit

    So, you’ve had some money problems and are working to repair your good financial name. Good for you! Rebuilding your credit – or at least looking for ways to start down that path – will help ensure that, when the time comes, you’re able to successfully apply for a...
  • debt and the brain: studies show harmful effects

    Debt and the Brain: Studies Show Harmful Effects

    “It’s such a wonderful feeling to be in debt,” said no one. Ever. Owing someone weighs heavy. Just ask anyone who’s ever been beholden to someone! But more than just an icky feeling, there’s proof that being indebted to another can actually be bad for your health. Indeed, eliminating...
  • can you go 30 days without spending?

    Can You Go 30 Days Without Spending? Could Be Easier Than You Think

    Spending money is a habit. It’s a self-imposed behavior that you grew into. This means, like any habit, you have the power to change it. It starts with awareness. Evaluating your habits will help you determine what you repeatedly spend. Start by thinking through your typical day: What are...
  • 9 secrets your credit card is hiding

    Surprise! 9 Secrets Your Credit Card Is Hiding

    Maybe you’ve had your credit card since 1975. Or maybe you’ve just waded into the credit waters this year. Either way, you might be surprised to learn a thing or two that creditors don’t clearly disclose. This isn’t to say your credit card company is deceptive or intentionally shielding...
  • 9 times you shouldn't use your credit card

    9 Times You Shouldn’t Use Your Credit Card

    “Handle with care.” Every credit card should come with this warning. Those small, seemingly innocent pieces of plastic can get you into a world of financial trouble if you don’t make wise choices about when and how often to use them. Sadly, however, too many of us treat credit...
  • where to start

    Debt Repayment: Which To Pay First?

    Debt is no walk in the park. At times, it can seem more like an uphill battle. This is especially true when you’re dealing with multiple credit cards with large balances. Which one do you focus on first? Do you put all of your extra cash into one card,...