Finding Financial Relief During COVID-19
The recent outbreak of Covid-19 and the subsequent pandemic that followed has had an unprecedented effect on the everyday lives of people around the globe. As the U.S. is starting to feel the impact of the virus, many families and individuals are finding themselves...
The Financial Effects of the Coronavirus
The COVID-19 pandemic has dominated the news for the last several weeks. Many of us worry about the impact the virus will have on human health. Yet, we are now seeing reaches so much further than that. We now have to start thinking about the financial effects of the...
How to Create a Budget You Can Actually Stick To
Managing personal finances can be difficult. You have to account for things you may have never thought of. Most people end up going outside of their budget for one reason or another. This makes the budget relatively useless. Here are some tips on how to create a...
How to Avoid Debt During the Holidays
The holidays are a great time of year filled with some great pleasures. However you choose to celebrate the holidays, they are often filled with parties and social events. These events give friends and family an opportunity to visit and to reconnect. Although the...
The Answers to Live a Debt Free Life
We all strive to live a debt free life, but between student loans, credit cards, home and car payments, medical bills, and more, it’s not easy. Debt is something that haunts millions of people in the United States. However, debt is also very misunderstood. There are a...
Signs That You May Need Bankruptcy Protection
If you are constantly dealing with debt collectors calling you at home or work, it may be a good idea to consider getting bankruptcy protection. However, there are other less obvious signs that bankruptcy may be best for you. Let’s take a look at these signs and...
The Psychology of Debt
There are many reasons people fall behind on their bills, but it all boils down to the emotions that drive us to spend. Also known as the psychology of debt, this is the premise that feelings drive us to use credit in ways that we would not normally spend cash. By...
Debt in America
Debt is something that millions of us struggle with on a daily basis. From student loans to mortgage payments, nearly every American adult must deal with some form of debt. There are also many who suffer under debt that comes as a result of poor spending habits....
Get debt free by reigning in your spending
In some cases, debt can be a powerful tool to help you get an education or move into a home in a safe neighborhood. Of course, it can also be an anchor, weighing you down and limiting your options.
Paying Off Debt
One of the biggest causes of stress for Americans is debt. We like to buy stuff! A recent article in USA Today noted numbers from the Federal Reserve, as follows: the average American household carried nearly $140,000 in debt as of the end of 2017. When compared with...
Bankruptcy Information from a Bankruptcy Lawyer
Bankruptcy is a process where the judge and the court decides whether an individual or business can discharge their debts. Bankruptcy was created to help people who are dealing with severe financial problems by giving them a chance to start over. Who Files for...
Get Out of Debt in 2019
The recent government shutdown highlighted that fact for all of us when people ran out of money after a month of no paychecks. It reminded us all that it’s wise to have an emergency fund that can see you through at least a month of financial hardship, but we know that...
Budgeting For The Holiday
Spending the holidays in is supposed to be fun. However, the holidays are a stressful time because many people are worried about money. There are ways that you can enjoy the holidays without breaking your budget by spending some time budgeting for the holiday you can...
4 Keys to Successfully Managing Your Personal Finances
Personal Finances When you have a solid grasp of your personal finances you will be free from stressing out about money, your bills will be paid, your financial goals can be met. Many of us get out of school without ever having taken a course in personal financial...
Can My Bank “Offset” My Account?
When a Bank “Offset” an account, it means that the bank seizes funds from an account to satisfy an unpaid debt owed to the bank. For example, a bank may offset (take money from) a debtor’s checking account to pay for a missed car payment where the bank also holds the...
Simple Steps to Setting Up Your Budget
Having a budget is one of the tenets of healthy financial management. Without a budget, you can’t know what you can afford or how much you’ll be able to save so that you can meet your financial goals, so we’re here to help you set up your budget. For some people...
8 Personal Finance Facts You Should Know
When it comes to managing money, there are things everybody should know. Not knowing certain facts about your personal finances could cost you dearly. In some instances what you don’t know really could be expensive. Here are 8 Personal Finance Facts You Should Know!...
How Do I Find Out Who My Creditors Are?
If you are struggling to pay back your debt, it is time to face your problem head-on. The sooner you get clear about exactly how much debt you owe and to whom your creditors are, you will be able to evaluate your options for getting out of debt. We’ve been helping...
Tips for Managing Debt
Personal financial management is one of the most important aspects of being an adult―an yet it is not part of the core curriculum of our education system. Many Americans graduate from high school, and even higher education, not having formally studied basic financial...
Can My Creditors Threaten to Sue Me?
When you fall behind on paying your bills the creditors start calling. Collection calls are stressful―and sometimes collection calls are incessant or aggressive. Know that you have rights when it comes to debt collection! Third party debt collectors (collectors who...
What Does it Mean to Have a “Charge-Off” Debt?
The information contained in your credit report dictates your credit score, which is a determinant of your credit-worthiness. The higher your credit score, the more likely it is that you’ll be able to secure loans or lines of credit with low-interest rates and other...
4 Financial Moves To Make Right Now
Wise money management is a skill and we have 4 Financial Moves To Make Right Now. It’s a skill anybody can learn and even improve over time. It is always the right time to make wise financial decisions. And it is never too late to start making wiser choices for your...
What Are Short-Term and Long-Term Financial Goals? What’s the Difference?
Having specific financial goals is an important step to becoming financially secure, and knowing what short-term and long-term financial goals are would be your next step. Though not all financial goals are the same, and therefore they cannot be treated the same....
We Offer Budget Consulting to Our Clients
It is our goal to help you get out from under the weight of debt, have a fresh start, and be equipped to fully provide for the needs of you and your family. We do budget consulting, together we will evaluate your income and expenses and create a plan that will work...