Blog


Avoiding the Minimum Payment Trap

Published March 2021

If your goal is to pay off credit card debt in a reasonable amount of time, you are going to have to pay more than the minimum payment. Here’s why.

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Topics: Credit Card Debt

COVID Relief Bill Update

Published March 2021

Congress is working to pass the new administration’s American Rescue Plan to help alleviate the financial strain caused by the Coronavirus Pandemic. While the bill has not yet passed, it may contain the following benefits when it does.

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Topics: Covid Debt Relief

Debt and Your Emotions: Exploring the Connection

Published March 2021

Emotions and impulses influence how we spend our money. To some degree, it is natural to seek emotional gratification from the fruits of our labor, but it is important to remember that emotional spending and impulse shopping are two of the archenemies of healthy personal finances.

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Topics: Financial Education

The Power of Delayed Spending

Published March 2021

Do you ever find yourself buying something impulsively? According to newneuromarketing.com, the average consumer spends more than $5,400 per year on impulse shopping for food, clothing, household items, and shoes.

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Topics: Financial Education

Quick Guide to Common Credit Card Terms

Published February 2021

When you get your credit card statement, does the language look like Greek to you? Sometimes it's difficult to understand exactly what your credit card provider means because credit card companies often write in "legalese."

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Topics: Credit Card Debt

How Flexible Is Your Budget?

Published February 2021

A traditional budget is an exercise in basic arithmetic. Knowing your fixed income, you set spending targets and try to stick to them. This means, however, that any substantial unexpected expense can upend your budgeting. Some people find it difficult to stick to their budgets due to this inflexibility.

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Topics: Financial Education

How Much Is Your Debt Costing You?

Published February 2021

When you think about making purchases with credit, the question to ask is not: "How much will my monthly payment be?" The real question is: "How much is this debt going to cost me?"

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Topics: Financial Education

How to Save Money on Groceries

Published February 2021

Lowering your budget for necessities like food can be a great way to save money even after cutting out the nonessential bills. Here are some tips on how to save money on groceries.

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Topics: Saving Money

Should I Refinance My Student Loans?

Published February 2021

While student loans are in forbearance due to the Coronavirus, this may be the perfect time to consider a student loan refinance. Lowering your student loan debt through refinancing may be able to lower your overall debt if you choose the correct loan.

A good way to save money when refinancing is often to secure a lower interest rate on your new loan since you can’t change the principal without paying it off. However, there are some additional factors that could alter your decision to refinance or not.

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Topics: Debt Consolidation

How to Save on Electricity

Published February 2021

If you find that you have more debt than you can manage and are trying to reduce your monthly expenses to help pay down credit card debt, consider our tips on how to save on electricity.

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Topics: Saving Money

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