• May 25, 2020

    Credit Card – Reduced Limit

    Has Your Credit Card Company Reduced Your Credit Limit? Your credit card company has reduced your credit limit.   This quickly puts you in a difficult position.   This credit reduction can damage your credit.  It can also render your credit card useless for further charges. Your Credit Score Has Already Gone Down If your credit card […]

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  • April 16, 2019

    Paying Your Bills on Time for Millennials

    Recent studies have indicated that millennials appear to have more difficulty paying their bills on time than previous generations. The reasons for this phenomena are debatable. Here are three tips that can make paying bills on time easier for millennials. Tip #1: Millennials, Meet Auto-Pay Auto-pay for bills can be anyone’s friend for building credit […]

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  • April 9, 2019

    Consequences of Long-Term Debt

    Most people take mortgages, car loans, and credit cards as a necessary part of modern life. However, these debts usually stick around for the long-term. They are rarely ever resolved or fully paid. The consequences of long-term debt can be very severe. You Will Pay 3-4 Times More or Greater The first consequence of long-term […]

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  • April 2, 2019

    Finding a Financial Mentor

    Finding a financial mentor is not the primary goal of most people’s lives. However, finding a financial mentor can drastically change how your life will play out. It can be a powerful start to reaching financial success. You will Not Find a Financial Mentor in College or Trade School Most schools groom you for your […]

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  • April 1, 2019

    Living Debt Free

    Living debt free requires a radical change of thinking more than anything else. It will require the full-scale rejection of things that most people now consider as normal and necessary, such as mortgages and car loans. How can you live debt free? Living debt free requires two things: a new mindset and bold action. Living […]

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  • February 13, 2019

    Valentine’s Day on a Budget

    Like most Americans, you may find yourself on a budget during the Valentine’s Day season. You either may not have the extra money to spend or you are being responsible by staying on your budget. Stay romantic and do not worry! Doing Valentine’s Day on a budget will make a memorable experience that will far […]

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  • October 26, 2018


    “Love” credit purchases frequently end up in bankruptcy. When love comes into the equation, emotions drive financial decisions instead of the facts. Below are three common “love” credit situations that commonly caused bankruptcy. Big Gifts to Show Big Love Big gifts can easily lead to a big bankruptcy. Still, all the time, expensive gifts are […]

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  • October 12, 2018


    Children can be expensive. They can be especially expensive when you do not know when to quit with the gift giving. Parents need to learn how to say “no” and stick to it.  Spoiling children with expensive gifts can eventually lead to bankruptcy. Bankruptcy Can Start with Santa Excessive gift-giving during Christmas starts a bad […]

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  • September 28, 2018


    Emotional decisions can lead to overspending. If emotional overspending goes too far, it frequently leads to bankruptcy. Overspending can be especially common around the holidays when people desire to give gifts to their loved ones.   Below are three common emotion-based decisions that can lead to bankruptcy. Excessive Holiday Gifts Can Lead to Bankruptcy The holidays […]

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  • April 18, 2018

    Build Credit

    5 Ways to Build Credit Building credit opens up a whole new world of options and savings that can be enjoyed throughout a lifetime.   Whether your credit is low or you recently filed for bankruptcy, you can still quickly build your credit.   Below are 5 quick ways to build the credit that you desperately need. […]

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