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Debt Diaries

Money Doesn’t Grow on Trees

Todd Talks | Debt Diaries

We’ve all heard that saying before. Our CEO, Todd Emerson, reflects on another story-turned-financial lesson he gave his daughter about not having money when you need it.

Debt Diaries

Repairing Bad Credit: Everything You Need to Know

Library – Credit Resources

Good credit is the entryway to those big-ticket financial decisions that make a difference in your life. If your credit score could use a pick-me-up but you’re not quite sure how to do it, it might be time to initiate the credit repair process. Keep reading to learn everything you need to know about repairing bad credit!

Credit

Death by 1,000 Asks: Teaching Kids About Money Management

Todd Talks | Debt Diaries

Teaching kids financial literacy isn’t as difficult as it may seem. Our CEO, Todd Emerson, reflects on a tough but important financial lesson he gave his daughter about borrowing money.

Debt Diaries

Debt Management Plans: Everything You Need to Know

Library – Debt Resources

Debt Management Plans (DMPS) can help manage your payments and reduce accruing debt. Click to read everything you need to know about DMPs.

Debt

52 Week Money Saving Challenge [2021]

Budgeting

Saving money can be a challenge. Every time it seems as if you are caught up, an abrupt change of events occurs and your wallet is drained yet again. Life happens, and we’ve all been there. From the unexpected car maintenance, to the medical bills, to all the other unavoidable obstacles life throws your way. Unfortunately, while your expenses may increase, the chances are your paychecks stay the same. That said, there are ways to save a bit more by making a few, simple lifestyle changes. Join our 15-day savings challenge and rack up some extra change! The sooner you start, the more you’ll save.

Budgeting

Debt Settlement: Everything You Need to Know

Library – Debt Resources

Debt settlement allows you to resolve your debt with a lender by negotiating to pay less than what you owe. Click to read everything you need to know.

Debt

Is Debt Settlement a Good Idea?

Financial Management

Debt settlement is often portrayed by settlement companies as a magic bullet for anyone drowning in debt. But the truth is, debt settlement is only an ideal debt solution if

Debt

How a Debt Management Plan Affects Your Credit: Pros and Cons

Financial Management

Paying off large amounts of debt can be a daunting task. If you’ve recently fallen behind on payments, have more cards than you can manage, or have payments that are too high, rest assured – you’re not alone.

Debt

Debt Management vs Debt Settlement – What’s the Difference?

Financial Management

There are many situations that may make it hard to pay off your credit card bills or loans, including illness, job loss, or simply missing a few too many credit card payments. And thanks to late fees and high annual percentage rates (APRs), it’s easy to fall into a debt hole.

Debt

The Ultimate Guide to Money Management

Financial Management

We’ve been helping people be more financially responsible for over 40 years now. We’ve boiled some of our most common advice down to some essential rules that will be your ultimate guide to money management.

Budgeting

Financial Goals Examples and Tips

Financial Management

When it comes to personal finance, everyone’s situation is unique. No one has the same bills, rent, debts, or lifestyle. When you’re ready to take control of your financial lifestyle, you need a plan that will answer your specific problems, not your neighbor’s.

Budgeting

Spending Habits Can be Changed

Budgeting

Many people will agree that working to improve their financial situation, repay debt, and better manage their money can be exhausting. A lot of people tend to start out enthusiastically, ready to tackle whatever problem they may be facing. But as time goes on they gradually gain feelings of uncertainty and hopelessness. We want to help you look at the bigger picture and change your habits for the better.

Budgeting

How to Improve Debt-to-Income Ratio

Debt Relief

If you’ve recently been in the market for a mortgage loan, you may have come across the term “debt-to-income ratio.” This ratio is one of the many factors lenders use when considering you for a loan

Debt

10 Warning Signs You Have Debt Problems

Debt Relief

Many people know when they’re struggling financially. Intuitively, we feel the pressure of not having enough cash to meet all of our obligations. If you live on a cash basis, you will find yourself with no choice but to stop spending when the money runs out.

Debt

10 Ways to Get Out of Debt Fast

Debt Relief

Creating your own get-out-of-debt plan truly is possible. With some fundamental changes to your lifestyle, you can get out of debt fast even with a low income.

Debt

What to do If a Debt Collector Calls You

Debt Relief

No one likes getting calls from debt collectors. Owing money to a group of strangers who have all of your personal information can be frightening and stressful. But why do debt collectors call?

Debt

Types of Credit Scores: VantageScore vs. FICO Score vs. Credit Score

Credit

Understanding your credit score can be hard. And to make things even more confusing, you may have heard that there are different types of credit scores.

Credit

How Do You Get The Highest Credit Score?

Credit

Striving for a good credit score is one of the most important financial goals to have. But what exactly is a “good” score – and is there a perfect one?

Credit

Savings Accounts

Financial Management

Besides paying off credit card debt, it’s crucial when setting up your finances to prevent the need to rely on credit cards in the future. That means the first financial goal you should set is to start a savings account. There are also different types of savings accounts you can have for different purposes. Some prime things you should consider saving for are emergencies and job loss.

Budgeting

What is a Good Credit Score?

Credit

If you’ve ever attempted to purchase a big-ticket item, such as a house or a car, the financing company likely spoke to you about your credit score. But what exactly is a credit score? Simply put, your credit score is a statistical number that is based on your credit history, i.e., your number of open accounts, levels of debt, and repayment history. Your credit score evaluates your creditworthiness, so lenders use this as a way to assess the probability that you will repay your loan in a timely manner.

Credit

Essential Household Budgeting Tips

Budgeting

This article outlines some essential household budgeting tips and guidelines for you to follow.

Budgeting