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We help people eliminate debts like credit card balances and achieve financial freedom, so it’s often assumed that we are against credit card use. That’s not true; we know credit cards are a necessary part of your personal finances, and the truth is that there are some benefits that are impossible to ignore. In fact,…
read more Purchasing a home is one of the biggest decisions you can make, both in terms of cost and effect on your lifestyle. Weighing these practical considerations will help you make the right choice when you’re ready to buy a home. The True Cost of the House The mortgage is the largest part of the…
read moreIf you’re like the majority of U.S. taxpayers, you’ll soon have a tax refund check burning a hole in your pocket (if you haven’t received it already). What next? Using your refund wisely can accelerate your progress toward important financial goals. Here are our top suggestions to make the most impact with your tax refund….
read moreWe’ve hit the home stretch in our Guide to Homeownership, and it’s time to talk about that pivotal final piece: the mortgage. First, if you missed any of our previous articles in this series, be sure to read them, as they walk you through a few essential steps to follow before applying for a mortgage….
read moreWe recently wrote about 5 things to know about paying off a credit card. While we coach people to pay off their debts and live more on a cash basis, we recognize that credit cards also have some very important benefits. There are, however, some risks that can be a serious threat to your personal…
read moreThe Home Buying Process The home buying process can be overwhelming, especially for first-time home buyers. We want to give you a quick overview of the process, including some important steps you should do at the beginning of the process. 1. Attend a pre-purchase education course This is a very important first step that too…
read moreGetting ready to file your tax return? Review these guidelines and take action where appropriate to make the most of deductions and get your return processed as smoothly and efficiently as possible. Make Any Last-Minute Traditional IRA Contributions The deadline for tax-deductible 401(k) and HSA contributions has already passed. You still have until April 17,…
read moreThe common element of a successful Debt Management Plan (DMP) is the payoff of excess and oftentimes very unmanageable debt. No two people have the exact same circumstances that created the debt or how they reap the multitude of benefits with successfully completing a DMP. With the help of a trusted and certified financial coach,…
read moreYou’re prepared and prequalified to buy a home. Now, you can get to the fun part: house shopping. First, let us congratulate you on all you’ve already accomplished. Many people never pursue their dream of homeownership because of the legwork involved. At this stage, you’re far closer to becoming a homeowner than you might realize….
read moreAs we enter the spring of 2018, the Fair Debt Collection Practices Act, or FDCPA, remains an important legal protection for consumers who are dealing with debt collectors. Due to its importance, our free Consumer Guide to Good Credit has valuable information about the FDCPA. The FDCPA was passed in 1977 to restrict abusive activity…
read moreThe experience of buying a home is more enjoyable when you’re able to stay one step ahead of the process. If you have already followed our checklist for preparing to buy a home, it’s time to get pre-qualified and pre-approved for a home loan. These two are not necessarily the same, and serious buyers are…
read more“Get your tax refund fast” sounds like the best sentence you could hear that still has the word “tax” in it, but don’t take the marketing bait. You’re better off waiting for your IRS refund check than taking out a potentially costly refund anticipation loan. What Is a Refund Anticipation Loan? A refund anticipation loan…
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