storefront of a payday lender

Payday Loan Pitfalls – An Industry Scrutinized

Need fast cash? Can’t wait until payday? The High Cost of Payday Loans Perhaps that should read; Need fast cash? Can’t wait until payday? Borrow money for only 400% interest. Payday Loan Fees can run between 390 to over 780% APR depending...

financial education presentation

Choosing a Credit Counselor

Have Peace of Mind Choosing Your Credit Counselor Credit counseling companies come in all shapes and sizes. Whether you are looking at working with a local credit counseling organization or a national firm, there are some very important factors to look at...

credit card debt

Debt Repayment Options

  Which Debt Repayment Option is Best for You? If there were an option to get out of debt quickly, painlessly and in a way that was likely to succeed, there really wouldn't be so much confusion about how...

all inclusive hawaiian resort

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...

Spring Cleaning Your Wallet

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...

Scrutinize advice to bust financial myths.

Refuting the Myth Busters

Refuting the Myth Busters I love myth busting! I do it regularly in my classes. It's fun and interesting and memorable for those attending my workshops. Unfortunately, some myth-busting can make things even worse. Take the article, "<a title="Bad advice in article with catchy title" href="http://www.bankrate.com/finance/savings/money-myths-1.aspx" target="_blank"...

Should I Run My Debit Card as Credit?

Debit or credit? It's a question we all hear so frequently that we have a tendency to tune it out sometimes: "Debit or credit?" Let's clarify a few misconceptions I have heard over the years before we address this question. First, running a debit...