Debt Management Blog

Smart Money Borrowing Habits

Once you get your debt and credit under control it doesn’t necessarily mean your owing days are over. Most likely big purchases are in your future that will require you to borrow money. However, before you start panicking about falling into debt again, consider the following tips that can...

11 Money-Saving New Year’s Resolutions

It’s almost time to start counting down to 2011 – and what better way to ring in the new year than a resolution that helps you make positive changes in your life and your wallet?  Looking for inspiration?  I’ve made a list of 11 things you can do in...

Credit Card Counseling For a New Year

As the calendar is about to turn to 2011, it is time to start thinking about credit card counseling. Credit card counseling is a fantastic New Year’s resolution. We understand how difficult the economy has been. If you are in need of credit card counseling, you are anything but...

Holiday Budgeting: Free “Debt-Free Holidays Handbook”

Learn how to stay debt-free during the holiday season. We offer a free booklet called the “Debt-Free Holidays Handbook” that will help you to: Identify Your Holiday Budget Give Yourself A Holiday Bonus (Free Up 10%-15% Of Your Income) Identify Gift Ideas Create A Shopping List Stay Within Your...

3 Debt Consolidation Program Mistakes to Avoid

Are you thinking about entering a debt consolidation program?  It can be a great solution, yet you will want to be mindful in helping yourself.  For instance, sometimes advertisers and marketing material is engineered in order to make those most vulnerable, lean towards a debt consolidation program.  A debt...

Contemplating A Future Purchase With a Huge Debt Load, Use Credit Counseling First

When a person uses our credit counseling services, they will find that through debt management they can improve their finances. Our credit counseling services don’t have just one method of service, which they stick to for every customer. The credit counseling specialist you speak with will listen to your...

Holiday Money Etiquette

Budget-friendly advice on everything from re-gifting to holiday tipping There’s no avoiding it: The holidays are here.  It’s officially time for joy and cheer; hot chocolate and fresh-baked cookies.  Black Friday.  Cyber Monday.  Secret Santa at work and Bing Crosby on the radio.  Wish lists and strings of little...

Budgeting by the Numbers: The 50/30/20 Budget

As someone who makes a living by helping people untangle their sometimes (very) messy financial lives, I can tell you that I know what gets folks in hot water, financially speaking.  Sure, it’s easy to just chalk it all up to irresponsibility.  But it’s not always that simple.  Most...

Ways to Save and what Habits to Avoid

Escaping the hold and weight debt puts on a person is a relief, but once your debts and bills are paid off then what? With no overdue payments, or backed-up bills to worry about you will be able to do something that may now seem strange to you, Save!...

Say “No, No, No!” To Holiday Debt

With the holiday season approaching quickly, it isn’t uncommon for people to start going out and, little by little, start shopping for presents for their loved ones.  With all of the excitement that this season brings, it is very easy to lose track of how much money you are...