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Budgeting & Saving

Budgeting & Saving

How to handle pay cuts or reduced hours at work

A change in your income is fine when it’s in your favor. On the other hand, when the amount you receive in your paycheck suddenly drops because of a change in your employment situation, it can be disastrous for your budget and your ability to maintain financial stability. If you don’t make some adjustments and the income drop continues, you’re … Continue reading

Womans hands counting dollar bills
Budgeting & Saving | Credit & Debt

The #1 Secret of Successful Debt Management

By Tracy Scott If you’re struggling to pay creditors each month, you already know that adding to account balances could make matters much worse. Hoping to ease the financial strain, you’ve likely tried to reduce expenses. While you (sometimes) skip your Monday morning latte and (occasionally) brown-bag your lunch on Fridays, the savings aren’t having the impact you’d hoped. These … Continue reading

Young couple in front of laptop
Budgeting & Saving

End of Year Financial Tips

Get organized now so you can achieve your financial goals in 2020. By: April Lewis-Parks of Consolidated Credit If you’re like many people, your finances aren’t high on your list of priorities now. According to the National Retail Federation, the average family expects to spend over $1,000 on Christmas this year. So, it’s no wonder that so many people make … Continue reading

Middle-aged couple reviewing documents with financial planner
Budgeting & Saving | Credit & Debt

Smart Holiday Shopping Tips

Plan carefully so credit card debt and ID theft don’t dampen your holiday cheer. By: Meghan Alard of Consolidated Credit According to the National Retail Federation, the average family expects to send over $1,000 this year – $1,007.24, to be exact. That’s an increase of 4.1% from last year. There are three big categories of spending this year: $637.67 on … Continue reading

Lady sitting on floor with laptop shopping online