Despite your best efforts, you might face obstacles that prevent you from fulfilling financial obligations and other promises. Suffering from an injury, losing a key source of income, or making an emergency payment can throw a wrench in your carefully thought-out budget. If struggling to resolve outstanding debts, consider writing a hardship letter. These letters…
Posts Categorized: Credit and Debt
Keeping your personal finances secure is more important now than ever. We keep locks on our doors, secure money in the bank, and shred financial documents before we throw them out. But these days, thieves don’t even have to pick your locks to make off with your money—that is why having a good strategy for…
At credit.org, we are proud members of the NFCC. They recently published an excellent article about the current eviction moratoria in response to the Coronavirus pandemic, and we are proud to share the article by Matt Ribe with our audience: Earlier this year, we wrote about the “eviction moratorium” created under the CARES Act. We later…
If you rent and are unable to pay or continue living in a rental property for other reasons, you might be tempted to simply walk away from the property and stop paying. Especially if you’re experiencing a financial hardship and eviction is a possibility, you might think “If I’m going to be evicted anyway, why…
As technology advances, there are new innovations that can help us organize our finances, save money, and stay caught up on paying our bills. For some people these changes are confusing or difficult to trust. If you have spent decades paying bills by writing checks, it’s hard to transition to paying bills online. But paying…
At credit.org, we’ve worked for years to help a growing number of unbanked Americans. Unbanked people have no checking or savings accounts. Being unbanked leads to extra expenses and difficulties that make managing one’s personal finances riskier; thankfully there are new options to help people without access to traditional banking. Why Some Americans Forego Bank…
We talked to Ingrid Case of AARP.org last year for an article, “3 Steps to Help You Get Out of Debt.” In the article, we talked about the growing number of older debtors who are coming to us for help. Because retirees have smaller earning power and less time to grow their savings, their debt…
September is National Preparedness Month Every year, September is designated as National Preparedness Month. This year the month has special significance because we are all still going through a national emergency in the form of a pandemic. COVID-19 has underscored for us all how crucial it is to always be prepared in the event of…
There are many budgeting methods people can use to effectively manage their money. For many of the people we help, the toughest part is knowing how to start. By using some easy, free budget worksheets, anyone can get started on the road to financial freedom right away. Creating a budget or spending plan is a…
Unemployment continues to a major issue right now, with 31 million people collecting some sort of unemployment benefits [source]. When people’s incomes are interrupted, they often turn to us for help with their debts. It’s a good move to address your debts if you find yourself unemployed, but there are other targeted steps to take…
It seems like every aspect of our lives has gotten more complicated during the COVID-19 pandemic. Even preparing meals for your household is no simple matter; you want to avoid extra trips to the store while keeping your food spending under budget. With the world still struggling to contain outbreaks of coronavirus, more people are…
School is going to look different this year for many families. Some cities are planning to delay the start of the school year. Others are beginning with remote learning and a plan to transition to on-site education later in the school year. Many school districts are testing a hybrid learning plan, where students work from…
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