Manage Your Debt - Let's Explore Your Options
GET STARTED NOW
Life's small pleasures can come back to bite you. Treating yourself occasionally isn't inherently bad. Doing so frequently, however, can put a dent in your bank account and ruin your best attempts at budgeting. These are some common spending habits that may be busting your budget.
In today’s culture, it’s common to ditch clothes, electronics and appliances as soon as they start to break down. Sometimes replacement is justified, like if there’s a safety issue or if a newer model is more energy efficient. More often than not, though, we purchase new items due to convenience factors.
It’s easy to get caught in the trap of making the minimum payment on your credit card. Usually, this payment is manageable, and it staves off late charges for at least another month. However, minimum payments don’t prevent interest from compiling on the balance you’re carrying.
Identity theft protection services monitor and scan personally identifiable information in credit applications, public records, websites, and other places. These services almost always include a credit monitoring service that monitors your credit history and provides periodic credit scores. In fact, protecting credit is the most common reason people seek out identity theft protection services.
The federal government can garnish 15 percent of your wages administratively – meaning they do not have to successfully take you to court like private lenders must to collect your pay. Even parents who took out loans for their children or cosigners are at risk of having wages garnished if the loan goes into default.
While there is no one-size-fits-all answer – and you might never feel truly prepared – these five signs could indicate you are financially ready for a family.
When it comes to expenses, food is a necessary one. If you’ve already cut back on discretionary spending, like daily coffee runs or monthly manicures, but are still struggling to make ends meet, you may want to look at your grocery bill. While you can’t cut out food completely, you can optimize your spending in a way that works for your budget. Here are a few reasons your grocery bill may be high and some easy ways to reduce your spending.
What often goes overlooked when people sign credit card agreements is the list of potential fees their card can accrue. Different cards have different kinds of fees, but luckily, many of them are preventable. These are some of the most common credit card fees and how to avoid them.
Higher education is already a financial investment of sorts, but now that you’ve graduated, you need to keep the ball rolling by learning how to achieve a good credit score. Here are some tips to set you up for financial success.
If you're new to the financial realm, here are some of the more common financial terms explained so you can get the most out of your money.
Call us at (888) 864-8548
and your counselor will review your credit report, analyze your financial situation and help you find the option that's best for you.
