This article offers six warning signs your spending is becoming a problem. If these signs apply to you, this article may help you spot financial spending danger zones and improve your spending habits. One of the most difficult obstacles our financial education counselors face when dealing with our clients is that they aren’t always honest with…
Posts By: Owlbert {Einstein}
One of the biggest problems we see in financially distressed consumers is that people waste a lot of money on the little things.
Non-Profit Counseling Agency Makes Web Identity Its Public Face Riverside, CA (September 6, 2016) – Springboard Nonprofit Consumer Credit Management, Inc. announced it is changing its consumer facing brand name and will now be known as credit.org. The organization remains committed to its mission of empowering lives through financial education, and this name change more…
It can be tough for military members to transition to civilian life. Letty Stevens suggests a military approach to this problem through Military Saves. Our focus is on financial literacy education, so we want to help everyone who needs this kind of help to transition without excessive debt. Servicemembers are used to a steady paycheck,…
July 4th is when we celebrate our independence, and this year we urge you to make financial independence a top priority. We tend to focus on consumers who are in financial distress, helping them reduce debt and get out of the hole. But to be truly independent financially, we need to usher them further along,…
You’ve finally done it! For years you’ve been saving money and keeping your credit record clean, waiting for the right moment to start looking at houses. And now you’ve got enough saved for a down payment and your credit is good enough to qualify for a mortgage. You’ve even been to the bank and started the…
We believe in our goal of making homeowners smarter; one key to preserving homeownership in the long run is to prepare properly in the beginning. That’s a big part of what National Homeownership Month is about, and it’s an important part of the nonprofit service we provide to the community. Since the housing crisis that…
1. Plan meals and snacks around the four food groups
2. Plan meals for the week
3. Shop once a week for main items
We’ve been helping people be more financially responsible for over 40 years now. We’ve boiled some of our most common advice down to 10 essential rules: PLAN YOUR FUTURE – Plan for the future, major purchases and periodic expenses. You will not arrive to “financial freedom” parkway, without a road map to guide you. Follow…
Credit card interest is costing you more than you think. There are two factors that impact how much you are really paying, and both of them add up quickly. Interest Rates The first factor is the most obvious: the interest rate. Naturally, a low rate will cost you less—our numbers indicate a $10,000 balance with…
Credit scores change over time; this is usually a very gradual process. Sometimes, a credit score will drop quickly, or even jump up by an unexpected amount. It’s easy to figure out what might drop one’s credit score quickly—bankruptcy, foreclosure, a charged-off account, etc. But sometimes one’s credit score will jump up without any obvious…
How often have you checked your mail or answered your phone only to find another prescreened credit card offer? Blank envelopes and phone calls from unnamed phone numbers may seem like official notifications. More often than not, answering these notices leads you to find yet another offer claiming that you have been prescreened for a…
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