Posts By: Melinda Opperman

Each payday, as you tackle excessive amounts of debt and your income is just not enough to satisfy all of the payments due to all of your creditors, you are often faced with making challenging choices and decisions. Which bills must be paid, how much will go to each and which could you either pay…

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A big part of our financial coaching and education is designed for people who are considering homeownership for the first time. To make a good decision about whether pursuing homeownership is the right move, right now, it’s important to compare the differences of being a renter to being a homeowner. Having access to relevant information…

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Debt can be daunting and often lead to feelings of helplessness and stress. However, it is important to remember that debt is common for many individuals and there is always hope to move forward and live life on your own terms, completely debt-free. We want to help you break the cycle and conquer your debts—all…

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For most Americans, owning your own home is a dream that can come true. At credit.org, we’ve always advocated that homeownership should be part of your long-term financial plan, helping to build overall wealth and stability while improving your financial security during retirement years. Making the decision to pursue and ultimately become a homeowner is…

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Identity Theft is a problem we talk about frequently. It’s still the #1 complaint the Federal Trade Commission gets, even after 15 years. “America’s fastest-growing crime” shows no signs of stopping. And now with data breaches affecting millions of users at once, the impact of ID theft has exploded. Because ID theft typically involves stolen…

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Today we’re talking about competition in economic markets. This follows from previous posts we’ve offered so far for Financial Literacy Month: the Basics of Trade and Basics of Supply & Demand. Competition between sellers in a market is seen as a good thing for consumers. If there is only one restaurant in town, it’s free…

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Basics of Currency

So far in financial literacy month, we’ve talked about banking, saving, and investing, but today we’re going to focus in on money itself. Currency is any money that is acceptable as a medium of exchange. Typically, that means a government-backed money, issued either in paper or metal coins. National Currencies Each country typically has a…

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Insurance is a critical subject to understand for full financial literacy. There are many different kinds of insurance available to serve different purposes. Getting insurance is about mitigating risk. No matter how hard we try, we will always have some level of risk in our activities. We collectively and individually decide how much risk we…

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At credit.org, we’re mostly concerned with helping people get educated and on their feet financially. Our clients are typically trying to eliminate revolving debt, or become homeowners. We don’t provide investment advice. But we are concerned with financial success. We want all of our clients and everyone we educate to have a bright future and…

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