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Money Management

A Fresh Start

By Kristine Gamm-Smith I have discovered in working with people on managing their personal finances that most are looking for a fresh start.  They want a chance to begin anew in how they handle their money. Some say they would change the way they budgeted their money in the past. Some want to change their specific money attitudes and behaviors that have led them down the wrong path; things like not …Read More

How to Stick to Your Budget in 2015

By Lauralynn Mangis You’ve already started to think about your budget and financial goals for 2015. You’ve probably decided that you want to put more money into a savings plan this year. Roughly three-quarters of Americans are living paycheck-to-paycheck right now, so where do you start? Prior proper planning is the number one factor in reaching financial goals. Let’s start by creating a budget and a suitable savings plan for your 2015 …Read More

NFCC Poll Reveals Financial Stability Concerns

By Bruce McClary The December poll hosted by the NFCC revealed that more than half of all respondents (66%) are unsure about their path toward financial stability. While it is encouraging to know that financial stability remains an important goal for consumers, it is deeply concerning that so many are unclear about how to reach that objective. With a few initial steps, most people could be on their way toward …Read More

Five Gas Saving Tipsto Avoid Pain at the Pump

By Mark Foster This month the cost of gasoline is expected to be about 20 cents a gallon higher than last year, AAA predicts. The higher that fuel costs are the more it takes a bite out of a family’s vacation plans or their overall budget. The reality of the high cost of gasoline is that it can wreck a family’s budget. We’ve seen many families who are financially stressed …Read More

How to Get Out of Debt

By Lauralynn Schueckler The recent recession affected the financial lives of people all over the country. The recession led to much higher rates of unemployment and underemployment. Because of this, many people needed to rely on credit cards to meet all of their financial obligations and pay for emergencies that arose. While this may have been a good short-term solution, many now find that they have an insurmountable amount of personal …Read More

Creating a Plan for Holiday Spending

By Jana Castanon No, it can’t be! Just as we are packing away summer’s paraphernalia, retail stores are bulldozing ahead making sure we are aware that the holidays are coming. Halloween will be here in no time with Thanksgiving and the holiday season not far behind.  But is your pocketbook ready?  Before the hustle and bustle begins take control over your finances so they do not take control of you.  …Read More

Budgeting 1-2-3

 By Mark Foster So you want to create a budget? That’s great! But slow down, there. Make sure to follow the three steps of budgeting. We often hear people talk about either skipping the first or second step, or both. Skipping either step can result in a broken budget. Step 1 – Create some financial goals for yourself. Goals are your motivation for doing a budget and sticking to it. …Read More

Money-Saving Tips for­­­ Post Grads

By Carla Blair Going to school takes a lot of hard work and dedication, but it also takes a lot of money. It’s easy to forget that while you are going to school and applying for loans to help you get by, you should also be thinking about how to pay that debt off. Here are some money-saving tips that you can do now to help you establish a solid financial …Read More

The Value of Credit Counseling in Everyday Life

By Lauralynn Schueckler Credit counseling is often an overlooked free financial tool in our busy everyday lives. We need good credit for everything these days as we transition to less and less cash in our lives. The truth is good credit is not only for financing, but it’s also essential in setting up utilities, getting a cellular phone, or even landing a job. Unfortunately, most people only really think about …Read More

Poll Reveals Consumers Confused
Over Purpose of a Budget

 By Gail Cunningham A recent poll on the NFCC website revealed that 57 percent of respondents misunderstand the purpose of a budget, viewing it as a restriction on their spending, when in fact, just the opposite is true. A budget actually provides the structure through which a person can be in charge of his or her spending, directing the dollars to their best use.  Spending should be a reflection of a person’s …Read More