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Tag Archives: Budgeting

Credit Counselor Nitzsche: Once Helped, Now He Helps

By Cliff Goldstein Like a lot of young adults, Thomas Nitzsche was able to get approved for several credits cards with high spending limits when he was in his early 20s. And like a lot of people, Nitzsche soon found himself buried under a mountain of debt. “I always maintained good credit, but I was facing about $10,000 in combined debt,” Nitzsche says of that stressful period a decade ago. …Read More

Most Americans Can’t Survive One Month On Savings Alone

By Mark Foster The majority of Americans would not be able to survive for just one month on readily available savings if they lost their paycheck, according to a new report. A recent study from Pew Charitable Trusts shows a bleak picture of Americans struggling with financial stress. Although the national economy has recovered to some extent, American families are still greatly struggling. The study determined that 70 percent of …Read More

How to Avoid Hidden Fees

By Jesse Campbell The world is a costly place. Prices go up, while income stays the same. It’s hard enough to make your money balance out when you know what you’re spending. Unfortunately, quite often we’re subject to unexpected hidden costs that throw our carefully crafted budgets for a loop. If you don’t want to pay more than you absolutely need to, stay on the lookout for these common hidden …Read More

Give Yourself a Raise With Our New Year’s Resolution Advice

By Melinda Opperman We’re into the new year, and that means a lot of people will be looking to re-assess their personal finances, pay down debt, and recover from the financial damage the holidays may have caused. This year, we’re focusing our advice on solutions that will impact you throughout the year. It’s great to take steps like using coupons or taking advantage of sales and discounts, but we’ve got …Read More

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

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

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

Vacations on the Cheap

By Jana Castanon With summer finally here many people are planning on getting out of town. In fact, July and August are the two most popular vacation months. So now is the time to start planning that perfect get-away. But, how do you do that when money is tight? The first thing you need to consider is how much you can afford to spend without having to rely on credit …Read More