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Credit Counseling and Debt Consolidation—What’s the Difference?
When you’re struggling with debt, you just want to make it go away. But the number of options for assistance can seem overwhelming. You can choose credit counseling, debt consolidation, or debt...
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Don’t Want Debt During The Holidays? Stay Off Social Media!
There’s an easy way to avoid going into debt during the holidays — if you can stay off your phone during the shopping season. According to a Credit Karma survey, about 22% of Americans go into debt...
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Thankful for Good Debt?
Debt is a huge drain on many Americans. In fact, American household debt hit a record $13.21 trillion in 2018. But, believe it or not, not all debt is bad. Some forms of debt can be classified as “good...
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Breaking Free From Emotional Spending: Part 1
We are whole integrated beings and everything that we do involves our whole selves. Just the simple act of breathing includes our nose, nostrils, lungs, diaphragm and some chest muscles. Our...
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Have a Debt Free New Year
We might be saying so long to an old year soon, but many Americans won’t be starting the new year with a clean slate. They face months -- and years -- of credit card bills for purchases made this year...
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Smart New Year’s Resolutions: Set Yourself Up For Financial Success
New Year’s resolutions: Roughly 40% of people make them each year, and of those who make them, just 40% are successful at keeping them 6 months into the year. There are many reasons why a New Year’s...
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How to Recover from Financial Infidelity
Some of us are keeping secrets from our partners — and it’s not about a significant other in the wings. Your relationship could be suffering from financial infidelity. Nearly one in five U.S. adults...
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Looking For a New Home? These Affordable Housing Trends Could Impact You
It’s been more than a decade since the 2008 financial crisis, but the affordable housing market is still playing catch up. According to Harvard University’s The State of the Nation’s Housing 2019,...
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Isn’t it Romantic? Talking about Love and Money
It’s that time of year again. The Valentine decor and candy are all on a shelf or rack at 90% off; many looking chewed up and ready for the dumpster. The fronts of stores now have bathing suits and...
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Applying For Your First Credit Card
There are many factors to consider when applying for your first credit card, and deciding on a credit card can be daunting. There are a lot of credit card offers to consider, and even more to learn...
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Get Financial Help With Credit Counseling
Comedian Jeff Foxworthy warned about putting confidence in a brain surgeon whose first words are, “Welp, we’re gonna open up your head, get a stick, dig around and see what we find. Okay?” The...
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4 Things to Look for in Free Financial Counseling
Are you looking for free financial counseling? You might see ads for so-called counselors online or on TV, but how do you choose a counseling agency that has your best interests at heart? How do you...
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How Does Bankruptcy Work?
For those struggling with extreme debt that seems impossible to escape, declaring bankruptcy may be the best solution. Bankrupcy can provide debtors with a fresh start to move forward with their lives...
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How to Snowball Debt
If you’ve ever made a snowball before, you know how it works. It doesn’t take a massive amount of snow, at the start, to build that snowball. Instead, you start small, with a handful of the white...
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Report: Baby Boomers Enter Pandemic With Debt
Before the COVID-19 pandemic forced the closure of businesses and commerce across the United States, consumer confidence was reaching record levels. According to Experian’s 2019 Consumer Debt Study,...
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Learn How to Manage Your Money Better
Getting back on track financially can seem like a daunting — even impossible — task. As the debt mounts — and the paycheck stays the same or even dwindles — bankruptcy may seem like it’s in the...
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Why It’s Important to Make More Than The Minimum Payment
Making the minimum payment on your credit card each month may seem tempting because the minimum is usually a small fraction of what you owe. It’s easy to pay the minimum required and to lose sight of...
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Why A Debt Consolidation Loan May Not Be the Best Answer
When you have a lot of debt, a debt consolidation loan may seem like an easy way to bring an end to your problems. A loan may make your monthly payments easier to manage but it can also result in...
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Budgeting 101: Why is a Budget Important?
Have you been told that a budget is essential but don’t know where to start? Wondering why is a budget important? Filled with dread about the process of starting a budget? We’re here to tackle some of...
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How Your Emotions Impact Spending
We know that our money is an extension of us. It doesn’t float around independently, saving itself, is spending itself or giving itself away. Our attitudes and priorities can be found in our money....
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