Holiday Spending Tips

How much do you plan to spend on holiday gifts this year?  If you’re anything like the average American then you’ll likely fork out nearly $900 on gifts this season. Our credit counselors warn you could end up spending a lot more if you don’t budget ahead or take advantage of deals.

Read more…

Save Your Money

Saving money is one of the single most important steps to achieving most of your financial goals in life and becoming financially sound.

Read more…

How to Stop Living Paycheck to Paycheck in 8 Steps

Does it feel like your paycheck is gone the moment you get it? Here’s how to break that vicious cycle.

Are you stuck in the all-too-common habit of living paycheck to paycheck? You don’t need me to tell you that’s a self-defeating cycle. You simply can’t get ahead that way.

But escaping isn’t easy, especially if your paycheck is tight. Change involves not just the hard work of making a new habit, but also changing your ways of thinking.

Read more…

5 Secrets to Creating a Budget

Everyone knows, budgeting sounds like a bore. But it’s a very necessary step to totally owning your financial situation, and if you have no idea where your money is going every month, you might find yourself over drafting, overspending, and therefore, over-stressing. And who wants to live life like that? If you’re a budgeting beginner, here is where to start in five easy steps.

Read more…

5 Ways to Control Emotional Spending

Sometimes it may seem like shopping has become America’s favorite pastime. With advertising popping up everywhere—from TV to billboards to city buses— shopping seems to be everywhere. Advertisers spend billions of dollars annually convincing us that products can make us feel successful, prevent us from being bored, help us attract a partner, and a myriad of other things. With ads carefully designed to manipulate our spending habits, it’s no wonder so many people have become emotional spenders.

Read more…

Budgeting methods

How to Choose the Right Budget System

The best system for you depends on what you’re trying to do — curb spending, pay down debt, build savings or something else.

Budgeting systems are designed to help you understand and evaluate your relationship with money. While all share a common goal, they often use distinct tactics to get you there.

We’ve narrowed down some options to help you find one that resonates. Use these recommendations as a guide.

Read more…

Free trials can be costly

Free trials can be costly

Getting free stuff is cool…until it isn’t free. It is decidedly uncool when, after luring you in with “free trials” for products you might like, a company hits you with surprise charges during the supposedly “free” trial period.

Read more…