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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.

Last-minute Holiday Shopping Tips

We’ve all been there before. It’s just a few days before Christmas, possibly even already Christmas Eve, and you still have plenty of holiday shopping left to do. It could be that you just have to get a gift for your brother or sister, or that you’re flat out way behind and haven’t bought gifts for any of your friends and family. It’s not a great situation, but the world …Read More

Planning for Successful Financial Resolutions in the New Year

  As 2016 winds to a close, you may be considering setting new goals or resolutions for the new year. Our friend, Mark Foster from CCOA Cares shares his tips for success as you set your financial resolutions for the new year. Set goals. The New Year is coming up fast and resolutions aren’t far behind. If you’re one of those who doesn’t like the word “resolutions” (thinking that they’re …Read More

4 Tips for Saving Money on Holiday Travel

By STEVE NITZ It’s already that time of year again. Thanksgiving and Black Friday are now in the past, and the weather is starting to turn colder and the snow will soon be on its way. The holiday season is here. With the holidays come a lot of shopping, eating and mingling with friends. For many Americans, it also involves plenty of travel. Unfortunately, travel can also mean dishing out …Read More

5 Money Saving Tips For Holiday Spending

Lauren Lovett, Credit Counselor and Grant Writer for Navicore Solutions There is a reason the holiday season is referred to as the most wonderful time of the year. Spending time with loved ones, attending holiday parties, eating delicious food – It truly is wonderful! Unfortunately, this time of year can also bring on stress that inhibits many from enjoying the pleasures of the season. Much of that stress is often …Read More

Some gifts come with a hefty price tag for their new owners

By Bruce McClary Consumers are expected to spend over $630 billion on holiday shopping this season, in the malls and online. Once the gifts are unwrapped and put to use by their new owners, some of the recipients may be in for serious sticker shock when the cost of maintaining their new possessions begins to add up. The National Foundation for Credit Counseling (NFCC) has identified some popular gifts that are …Read More

Planning That Affordable Holiday Trip

By Nat Sillin Some people are planners and others are improvisers. Happily, both types can score real travel bargains during the winter holidays. Saving on travel means striking the right balance between affordability and preference. For example, families with children and a need for specific seating and direct flights may need to plan earlier to secure such reservations. Travelers with more scheduling flexibility can roll the dice on last-minute deals. According …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

NFCC Offers Shoppers Holiday Countdown Tips

By Gail Cunningham As shoppers enter the countdown to Christmas, the NFCC offers tips to help them cross the finish line without compromising their financial well-being. Shoppers who wait until the last minute are often more vulnerable to making poor shopping decisions, and should exercise extra caution. The following tips based on the acronym for countdown should help consumers maintain their financial common sense as they wrap up their holiday …Read More

Twelve Ways to Save on Holiday Travel

By Stacy Johnson If going home for the holidays, or escaping from home for that matter, is a part of your December plan you may think it’s too late to score a deal. After all, aren’t we always told to book in advance for the best prices? While it can be easier to find deals if you have more time to work with, there are plenty of ways to save …Read More

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