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NFCC Blog: Staying the Course

Score a Victory on Black Friday

By Gail Cunningham When you play to win, you must play a mistake-free game. If consumers want to come out in the win column on Black Friday, they’ll need to study the game plan before ever taking the field. The NFCC offers the following keys to the game: Don’t get penalized for buying a gift card with high fees or from a store that is on shaky financial ground and could …Read More

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Help Your Grandkids Become Financially Responsible

By Neale Godfrey I have used this blog to continue to help parents teach financial responsibility to their children of specific age groups.  Now I am going to talk to you, the grandparents, about your participation in the education process. Why Grandparents? Aside from the desire for your grandkids to have the best of everything, you also want them to be financially secure and savvy. Due to your unique access and …Read More

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Holiday Overspending Can Have Long-Term Consequences

By Gail Cunningham Millions of consumers have begun their holiday shopping, snagging sale items either in-person or online, and therefore considering themselves savvy shoppers. At the same time, many lost sight of the fact that regardless of the price, a bargain isn’t a smart purchase if it compromises a person’s overall financial health. If there’s one time of the year when people shop with their heart, not their head, it’s …Read More

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Don’t Be Surprised by Retiree Healthcare Costs

By Jason Alderman Retirement isn’t cheap. Even though you’re no longer drawing a paycheck you still must pay for housing, food, utilities, transportation, and healthcare to name just a few expenses. As prices continue to escalate, it’s not surprising that the ages at which people expect to retire — and when they actually do — have crept up in recent years. Many factors are at play: People are still recovering …Read More

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Tips on Finding Cash for Holiday Expenses

By Gail Cunningham Many people are entering the largest shopping season of the year financially ill-prepared. For some, the ghosts of Christmases past are still haunting them in the form of unmanageable credit card debt. For others, finding $800, the amount the National Retail Federation estimates that consumers will spend during the holidays this year, is seemingly beyond their reach. For the many Americans who struggle to meet daily living …Read More

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How to Pay Back Credit Card Debt and Avoid Ruining Your Credit Score

By Melinda Opperman The mechanics of calculating credit scores aren’t exactly intuitive; many people have the impression that good behavior like paying off credit card debt can be bad for one’s credit score. These people wonder if there is a way to pay back credit cards without ruining your credit? The answer is yes, of course. The main thing to watch out for is to not close your open credit …Read More

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Never Overspend on the Holidays Again – Guaranteed!

By Jesse Campbell You might not want to hear this. “Nope, nope, nope,” you might say. It’s no use. The holidays are coming. Did you set a holiday budget last year? Did you keep that budget? If you didn’t, don’t worry. That was last year. This is the year you’ll stick to your holiday budget – guaranteed. How? By following these five simple steps. Forget Last Year One of the worst …Read More

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NFCC Unveils Redesigned Website with Easier Access to Critical Services

By Gail Cunningham The NFCC recently launched its newly redesigned website, www.NFCC.org. Whether consumers are interested in improving their level of financial literacy with tools such as educational podcasts and videos, projecting future payments through a bevy of online calculators, or locating an NFCC member agency to find solutions to their financial concerns, the enhanced tools and navigation will create a more streamlined experience. “The NFCC is continually looking for …Read More

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Are Extended Warranties Worth the Cost?

By Jason Alderman You know the drill: You’re in final negotiations to buy a new car, and the dealer is urging you to protect your $20,000-plus investment by purchasing an extended warranty (also known as a service contract). Or, you get a similar pitch at the checkout line when buying a new appliance or electronic device. Are these costly add-ons worth the expense or simply a sucker bet intended to …Read More

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How to Avoid Overpaying for Specialized Home Features

By Tali Wee Nearly everyone has a vision of their future dream homes, possibly including wraparound porches, walk-in closets, marble countertops or hardwood floors. When house hunters shop for homes, their emotional attachments to these grandiose ideals can create irrational judgments of fair property values. For instance, a buyer who envisioned owning a home with a vast patio and heated pool might offer thousands of dollars more than the property’s …Read More

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