FTC Announces Charges against Yet Another Debt Settlement Company

Charges Against Another Debt Settlement Company The Federal Trade Commission yesterday announced that it has charged an Irvine, California-based debt settlement company with making deceptive claims and that they often left their clients in much worse financial shape than before. This is not the first (and won't be the last... A few others have included...

Is a College Degree STILL Worth the Expense?

Is A Degree Worth the Expense? A New York Times article this week renewed the debate of whether a college degree is worth the expense. Some blogs and financial sites call this a "new" debate or a...

50+ Famous Bankruptcy Filers over the Past 100 Years

Last month, I staffed a booth at the annual conference of the National Association of Consumer Bankruptcy Attorneys. Besides promoting our credit counseling and debtor education certificate services, my colleague, Nicole Brown, and I gave away a lot of fun stuff, including fruit "infusor"...

What a 1st Grader Knows that Adults Forget

What Do We Need To Survive? I've been doing some volunteer work as a course facilitator over the past few months with Junior Achievement of Idaho, a great organization promoting personal finance education and entrepreneurship among elementary through high school students. I've enjoyed a great variety of age...

“Everyday Money Academy” Course Catalog Now Available

Finance Course Catalog I'm excited to announce the availability online of the Everyday Money Academy "Course Catalog." Course Catalog Now with dozens of course and conference presentation topics to choose...

6 Spending Personalities- What Color is your Spending?

Spending by Color A few years ago, my financial educators and I sat down to figure out how to make our consumer spending presentation more engaging and memorable. At the time, we had some great information on how to do more while spending less, how to take greater control of impulse spending, and even how...

Pre-launch of “Everyday Money Academy”

It's been a few weeks since I last posted, but let me assure you that I've kept busy in the financial education world. Besides attending a credit counseling industry conference in San Francisco, the annual Jump$tart Coalition conference in Washington DC and the National Association of Consumer Bankruptcy Attorney's conference in New York City, I've...

For Teens and Young Adults: Should I Start Building my Credit?

When Should We Start Building Credit? I saw this question from a reporter this morning and don't want to wait until their publication comes out before I address it myself. For teens and young adults, when should they start building their credit? What the parents are actually asking is this: should my child open a...

Credit Card Usage by Month

When Do People Use Credit Cards? I read an interesting article on Bankrate.com this morning that had some fascinating, albeit not unexpected, credit card usage data. Essentially, our credit card usage as a country clearly delineates major consumer holidays and events, including the strong uptick in...

Why so many of us keep OURSELVES in debt!

Why We Keep Ourselves in Debt and How to Change our Approach I read a nice blog post by Frugal Farmer about 3 mindsets she and her husband had to put them into debt and kept them there. Yes, her husband's layoff was the catalyst for their accumulation of credit card debt,...