Should you move to a better Credit Score neighborhood? Financial “Relocation” specialists at Community Credit Counselors will assist you in determining the most realistic financial address for your personal income, lifestyle, and circumstances. Welcome to adulthood. Credit is an adult activity with relative consequences and responsibilities.read more
So, How difficult can it really be to turn your financial life around? If there’s life after disease, after divorce, even after death, what is Life after Debt? Like each of the many life events mentioned, debt carries hidden packages of personality and character behaviors. Difficult as they may be within one person, add a spouse or life crisis event, and recovery takes on a much deeper challenge.read more
What set my wealthy friends apart from the thousands I have counseled in #Debt over the years? Rich people have their own spending practices. They never spend the same money twice; that’s called #DEBT!read more
How Much Can I Afford to Borrow?
In every financial transaction, there is a master and a slave. Choose wisely.
Because most of us enter the adult world without the basics of money management, a huge percentage of us are now heading “Back to the Basics” of simple banking, borrowing, and investing. Our basic tip for borrowing, with special emphasis on “Spend Less than you Earn,” is if you can live without it, DON’T Charge it!read more
Of the many options available for eliminating #Debt, our most effective option is for clients to use a Target. Setting a Priority Payment Plan assures that the more critical secured debts are paid first. Secured debts, those in the Center of the Target, are those...read more
Most important, do NOT spend more on Back to School supplies than you can pay cash for in the next 30 days. No teacher or administrator would want you going into debt and putting hardship on your family to get school supplies.read more
HOW Can We Have a Vacation and NOT CHARGE Anything?read more
Spending Plan (budget) and Net worth provide coordinates for the Financial decisions to Success. Keeping these anchored into the wind will at least provide direction and stability for whatever economic currents surround you.read more
YOU can DO this!! Be cautious, wise, deliberate, and thorough in every area of planning. Create a Checklist and Timeline for what you want to accomplish and the date to be completed. Most Home Buyer Guides can provide these, but YOU need to tailor requirements to your personal lifestyle and income. Getting into a house is similar to getting into a marriage. You win the contract, but now you spend even more energy and attention maintaining it. You have to do what you signed to do!read more
As natural disaster season comes back around this year, we are still refining ways to be prepared for the least impact possible. Too little, Too Late should no longer be our cry. We’ve also learned by now that we cannot depend on government to see the urgency in meeting our immediate needs over others… Powerful preliminary steps can be taken so that when you step out of that storm shelter this year, you step out as Victor, not Victim.read more