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Personal Loan to Pay Off Credit Card Debt?

Heavily in credit card debt?  Paying way too much on interest yet not enough on principal to ever get those cards paid off?  Maybe you’re only able to make the minimum payments each month?  Sound familiar?  We might just have the answers you need. While having credit cards can be a definite advantage when you […]

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How Will You Spend Your Tax Refund?

If you’re like millions of Americans right now, you’re probably planning how you’re going to spend that nice income tax refund that you’ve just received!   Maybe you’re planning to do some remodeling at home?  Perhaps you’ll use that money for a spring vacation?  Or maybe you just plan for it to go into your savings […]

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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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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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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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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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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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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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Should You Skip Your Mortgage Payments Now?

Right now, an unprecedented number of Americans have lost their jobs, lost a large portion of their income, or worse, and simply aren't able to pay their bills.  But what about you?  What bills should you pay?  And what bills should you skip? Truthfully, if you have the money, you should pay ALL of your […]

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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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