Working on a Budget

Building and Living by a Better Budget

Creating a Budget In this article, we take an in-depth look into why maintaining a household budget is so important to the financial success of you and your family. The Myths & Realities of Household Budgeting There are a number of reasons why many of us do not create or live by a budget. Many...

List of Children’s Books about Money

Teaching Children About Money & Personal Finance Here is a list of books that can help your child understand certain financial concepts. The books are in alphabetical order and age levels are provided for each book. If you know of any books you'd like included in this list please let us know in the comments...

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...

Choosing a 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 before choosing the right service for you. Here...

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...

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...

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...