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NFCC Blog: Staying the Course

Tips for Prospective Homebuyers with No Credit

By Tali Wee New homebuyers often ask: can I get a mortgage with no credit? The short answer is no. However, almost nobody has absolutely no credit. So, even if you don’t have a credit score, mortgage lenders may still lend to you based on other components of your credit history. What Credit History Lenders Look For If you’ve never had traditional credit like credit cards, student loans or car …Read More

Money Saving Tips for College Students

By Drew Kessler Let’s face it, college is expensive and most students have a limited cash flow. The good news is that a number of businesses realize this and make an effort to accommodate their student clientele. Always keep an eye out for student discounts, and bring your student ID with you wherever you go. Many establishments offer discounts to anyone with a student ID – from clothing stores to …Read More

Your Midyear Financial Checkup

By Nat Sillin The summer months allow most of us a chance to slow down and catch up – on relaxation, on chores and with a bit of scheduling and focus, on our money goals. Setting a few hours aside for a midyear financial checkup in June or July can help you review how you’re doing with savings, investing, spending and debt. It can give you the opportunity to spot …Read More

Christmas in July

By Mark Foster It may seem crazy to be thinking about Christmas in July, but actually it makes good financial sense. We know Christmas will eventually roll around, so it’s wise to start planning for it now to avoid stressing out and overspending later. When people wait till the last minute and basically wing it, it’s very tempting to just start charging gifts on the credit cards because there’s not …Read More

Eight Priceless Financial Lessons You Learned on the Playground

By Jesse Campbell One of the best parts of childhood (besides nap time, obviously) is all the lessons you learn when you don’t think you’re learning anything. It’s the dirty little secret of being a kid – the most important lessons we learn actually happen in those moments when no one is trying to teach us. (Don’t tell kids this.) Take recess, for example. You know you’re supposed to be learning something …Read More

Save Money on Gas

By Lauralynn Schueckler The cost of living continues to rise for the average American, forcing many to make drastic budget cuts and eliminate many luxuries from their lives. One element that is a necessary component in nearly every person’s life is the availability of a car. However, the rising cost of gas has travelers looking for ways to save money. Here are a few strategies that will help the penny pincher …Read More

Inexpensive Summer Fun Activities

By Drew Kessler When school let’s out every summer, the thoughts of children and families across the nation turn to fun-filled summer days. But rather than letting summer break the bank, the NFCC suggests the following fun, inexpensive activities to pass the sunny days with children. Visit the local library. Most local libraries provide regular storytelling programs that provide an air-conditioned break that keeps even the youngest and oldest reader’s learning …Read More

Looking for Work? Plan a Money-Smart Job Search

By Nat Sillin Whether a new job opportunity is across the country or across town, it’s important to track the cost and strategy of a job search as closely as you track your career objectives. Job seekers may qualify for tax deductions depending on their current employment status. For example, if you are currently employed and looking for a job in your existing field, you may qualify for a range …Read More

3 Financial Challenges Breadwinner Moms Face With Resilence

By Bruce McClary The reality faced by women who are primary wage earners in their household depends upon which of the two circumstances they are facing. A recent study by Pew Research reveals that some are among the 5.1 million (37%) who are married mothers with higher incomes than their husbands, while 8.6 million (63%) others are single parents earning substantially less than their married peers. While a significant dividing …Read More

Can Debt Collectors Harass You on Social Media?

By Lauralynn Schueckler It seems like everyone is on Facebook or Twitter these days. From the young to the old, a huge majority of people are taking to social media to stay connected with friends and family. What if I told you that’s exactly what some debt collectors are hoping for? Debt collectors who use social media to try to contact and/or harass someone are in clear violation of the Fair Debt …Read More