It’s important to prepare thoughtfully for any interaction with a pawn shop. By understanding how that kind of business operates, you can have a successful negotiation if you need to…
Posts Categorized: Credit and Debt
If you’re planning an Independence Day celebration, it will probably involve grilling outdoors while you share the day with friends and family. That can get expensive, though. Once you’ve invited…
Each June, we celebrate National Homeownership Month. Across the USA, agencies and individuals recognize the importance of owning a home and acknowledge the many benefits of homeownership while working to…
As we work with people to help them pay off their debts and achieve financial freedom, we see a lot of people taking a “wait and see” approach. Depending on…
For an individual, a debt ratio describes the percentage of your income that goes to debt payments. You’ll often see this described as a Debt-to-Income Ratio.
Your ratio is usually calculated based on your gross income. So if your salary is $3,000 per month, and your total debt payments every month are $300, your debt ratio is 10%. (3000 divided by 300 is 10).
There is a little bit of time left on the national suspension of evictions for nonpayment of rent. Under this order from the Centers for Disease Control and Prevention, the…
Every year, April is National Financial Literacy Month. As an organization dedicated to spreading financial literacy and education, we honor this yearly event with workshops & seminars, educational materials, and…
We’re well into tax season now, and there are some fiscally sound ways to handle your taxes that we always advocate. But this year is special, and deserves extra attention….
This year, Valentine’s Day might feel less romantic than in years past. We’re approaching a full year of pandemic quarantines and lockdowns, and some couples may want to stay safely…
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…
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…
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…
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