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Financial Planning

Founded in 1951, the National Foundation for Credit Counseling is the largest serving nonprofit financial counseling organization. Find various topics in this blog, including personal finance, credit counseling, housing, budgeting and student loan help. Click here to speak with an NFCC-certified Consumer Credit Counselor.

How to Eat Healthy on a Budget

 By Steve Nitz Let’s say you have two issues you’re looking to take care of: issue No. 1 being that you want to start getting on that diet you’ve talked about for years, and No. 2 being that you’re also in a crunch to start saving money. When it comes to shopping at the grocery store, eating healthy can get expensive. Here are five ways you can eat healthy and …Read More

10 Ways to Fall into Savings this Autumn

 By Lauralynn Mangis, Online Marketing Specialist at Advantage Credit Counseling It’s back-to-school time and every family is looking for ways to cut costs and save a little extra money during the fall season. With the majority of everyone’s budgets being stretched thin due to the back-to-school necessities, it’s important to cut costs when and where you can. Here are some quick and easy ways to save money this Autumn: 1. …Read More

5 Cities where Homeowners Get Big Bang for Their Buck

 By Steve Nitz A lot of Americans dream of getting a job and moving to a city such as Los Angeles, New York, San Francisco or Chicago and eventually raising a family there. However, it’s not quite that easy when it comes to finding housing. The affordability of a housing market is definitely something to consider when you’re factoring in what part of the country you want to spend the …Read More

Start Your Holiday Planning Now

 By Mark Foster While the holidays might not be right around the corner, it’s still a good idea to start thinking about your holiday spending. To some, it might seem odd to start thinking about a holiday budget now, however planning sooner is better than later!    The holiday season rolls around at the same time every year, yet it still seems to catch many off-guard. Ultimately, waiting until the last minute to begin thinking about a budget can …Read More

How to Save on School Supplies

By Becky Winters, Grant Coordinator at Navicore Solutions School is in session, and you know what that means: Your children need backpacks, books, notebooks, pens, crayons, Kleenex and an endless supply of other school items. Here are some tips to help you save money this fall.    1) Give your children a school allowance –Even though school has already started, your kids probably still are begging for every bell and …Read More

5 Ways to Keep Bank Accounts Cool During Hot Summer Months

 By Tara Carter Temperatures are heating up this summer, but that doesn’t mean you’re spending has to increase with these hot temperatures. Here are 5 ways to help keep spending under control, and bank accounts cool this summer:   1) Set a Budget  Pay attention to spending habits so you don’t end up spending more than you earn. Over spending is a quick way to lead yourself into poor financial health and …Read More

An Introduction to 3% Down Conventional Home Mortgages

 By Henry Ochoa For the past few months, private banks have been introducing 3% down conventional mortgage packages. These 3% down mortgages are a way to get first-time homebuyers into a home with a low down payment, as opposed to having to pay the typical 5-20% conventional down payment. Low down payment mortgages are an attractive option for people who live in cities where rent is high and it’s tougher …Read More

4 Things Small Business Owners Should Do Before Fiscal Year End

By Odysseas Papadimitriou, CEO of WalletHub It might seem like the year’s just getting started, but it’s time to start thinking about the end, fiscally speaking, if you’re a small business owner. Most companies follow the general calendar and use December 31 to mark the end of a fiscal year. But many small businesses – plus nearly 25% of the S&P 500, according to company disclosures – stray from this norm, …Read More

Starting Roth IRAs for Your Grandkids

By Jason Alderman Grandparents are notorious for spoiling their grandkids, but sometimes a more strategic approach to giving money can provide grandchildren a much better financial start. A 2012 MetLife Mature Market Institute study reported that 62 percent of grandparents provided financial support or monetary gifts for their grandchildren. In light of the recent economic downturn, some have indicated increased pressure to help out, says the study. If you’re seeking …Read More