Creating a Family Budget for Spring Break

Budget: the last word people want to hear when they are sitting at work or in the midst of the everyday to-do list dreaming up this year’s Spring Break extravaganza. Budgeting can often feel like the opposite of indulgence. It can deflate the grand...

Why You Should Add ‘Finances’ to Your Spring Cleaning Checklist

Ah, springtime. Skies turn crystal clear, rain showers freshen the air, and flowers bloom. Most usher in the season with the warmest welcome. Then, uninvited guests squeeze in by the names of Spring Cleaning and Tax Season. You’re probably considering crawling back under your winter comforter and hibernating until it’s over. I mean household chores...

Wallet Drainers

“No big deal. It’s just a buck!” “$5 is not going to break bank!” However expressed, there is a sentiment, common to many an American consumer, that spending a few dollars here or there – without thought to how it fits into their spending plan – cannot...

Ghosts of Student Loans Past

Understanding Your Repayment Options Long, long ago, on a campus far, far away, you may have used student loans to pay not only for tuition and books, but also to fund your spring break travel, to buy a bicycle (or a car), to purchase consumer items, and...

When it Comes to Debt, Act Early!

When it Comes to Debt, Act Early Here is a cautionary tale as told by Todd Christensen, Director of Education at Debt Reduction Services and author of the popular Everyday Money for Everyday People book. This story is an excerpt from a chapter that is dedicated to discussing third party...

Money Savings Tips – End of Summer Edition

September Savings It’s hard to believe summer is nearing an end and it’s time to get ready for the next season. September welcomes autumn with cooler weather and new routines. It is a busy time of year. That’s where planning ahead can make a...

The ABC’s of Back-To-School Savings

Many people don’t want to think about back to school yet, especially while in the peak of summer.  However, back to school shopping can creep up on you quickly, so it pays to be prepared.  The best way to save money is to start planning early in order...

Start Planning for Christmas – In July!

For many of us, Christmas is the gift that keeps on giving.  Not in the way we would prefer but rather in the form of credit card balances.  If instead, you plan ahead, you can avoid that costly mistake, save money, and truly...

How to Identify and Avoid Phishing Emails

The IT Dept. at Debt Reduction Services has compiled some information to help you keep your identity and personal information safe and out of hacker or scammers hands. Every day a countless amount of phishing email is sent out via the internet.  Some phishing emails...