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Personal Finance Blog

Catch up on the latest credit.org news and personal finance trends.

Find your financial freedom and partner with our experts by reading the latest in personal finance advice and tips!


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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Many people know when they’re struggling financially. Intuitively, we feel the pressure of not having enough cash to meet all of our obligations. Those of us who live on a cash basis don’t have a choice but to stop spending when the money runs out. Credit and debt distort our intuitions. When things get charged…

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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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For most people, reliable transportation is about as important as food and shelter. Unless public transportation is really convenient from your home and work, or these two places are really close together, it would be difficult to live without a vehicle of your own.

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When we educate consumers about achieving financial freedom, goals come up early and often. Setting goals is an essential early step for anyone who wants to achieve success, whether that involves financial, personal, career, spiritual or any other area of individual achievement.

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Making regular monthly payments on your debts is the best way to improve your credit score, and late payments are the most significant cause of bad credit. That’s why we stress making your payments on time every month as the most important thing you can do to build a positive credit history as you work your way to financial freedom.

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The best tool for teaching your kids about money is an allowance. If you want your children to grow up with good financial sense, you need to start early with a regular, consistent allowance. Giving your kids a source of income and the responsibility of managing it will teach them lessons to last a lifetime….

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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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