Author: admin

Personal Finance Updates

Tax Time?

Have you started working on your taxes yet? Perhaps you’ve already filed your taxes? Maybe not? Whatever your tax situation, one thing’s for certain. Tax time is a great time to study your expenses and make changes to your financial future! I mean, let’s be honest. You’ve gotten that W-2, those 1099’s, and figured out […]

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Credit Tips General Info

New Year – New Financial Plan

Happy New Year! If you’re like most people, a new year is a symbolic new start to certain parts of your life… We all make plans to go on a diet, to exercise more, to work harder, to appreciate all that we have, and so on.  But, have you thought about what your financial plan […]

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Questions

My Credit Card Application is Rejected. Now What?

When you apply for a credit card, there is always the possibility that your application will be rejected.  And when that application is rejected, it’s very tempting to fill out another application or applications with other credit card companies. However, that’s usually not the best course of action.  You see, whenever you fill out a […]

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Questions

Is It Good to Have a Credit Card?

One of the most often asked questions is simply, “Is it good to have a credit card?”   If you’re new to building and maintaining your credit, the short answer is yes, it usually is a good thing to have one or more credit cards available to use on a regular or limited basis, depending on […]

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General Info

Making a Living in the Midst of a Pandemic

If you were laid off by your employer today, what would you do?  Would you find another job?  Do you have enough money in savings to survive for a while?  What would you do next?   In years past, this would have been a much easier question to answer.  Now, with the pandemic affecting literally every […]

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General Info

Credit Tips for Buying Your First Home

Thinking about buying your first home?  Before you even consider making an offer, before you get pre-qualified, before you do anything at all, you'll want to take a good, long look at your credit report. Believe it or not, even those of us with the best credit almost always have something that holds up the […]

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General Info

Working from Home?

  Are you one of the millions of people who have been asked to work from home this year?   Believe it or not, shifting to staff members working from home is actually proving beneficial to businesses and employees in many areas.   So far, 65% of workers say they are more productive in a home […]

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General Info

Repairing Your Credit Score

As if 2020 wasn't bad enough already, what with a pandemic, lockdowns, and an economic downturn unlike any other, millions of people also lost their jobs… and that will leave millions of us with blemishes on our credit reports that can and, in many cases will, take years to clean up.  We all know what […]

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General Info

Bankruptcy & Credit Counseling

Are you one of the millions of Americans now considering bankruptcy?  If so, in most instances, you'll need to complete pre-bankruptcy credit counseling before AND after filing bankruptcy.  Why are you required to complete it twice?  Unbelievably, the first one is to determine if you even need to file bankruptcy in the first place, or […]

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General Info

Upside to the Pandemic?

In a highly unusual economic climate, a highly unusual thing is occurring in the United States… Credit card debt is actually declining during the current recession!  In fact, for the first time in years, total American credit card debt has now dropped below the $1 trillion mark.  So, why is this so important, you ask? […]

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