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Home / Shawn Paul Wood
The Balancing Act of Keeping a Healthy Debt-to-Income Ratio

The Balancing Act of Keeping a Healthy Debt-to-Income Ratio

ByShawn Paul Wood August 6, 2024April 22, 2025

Financial practice means understanding what needs study. The experts at Beyond Finance are here to help you perfect a debt-to-income ratio.

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Money Matters: Connecting the Dots Between Debt and Depression

Money Matters: Connecting the Dots Between Debt and Depression

ByShawn Paul Wood July 15, 2024July 23, 2024

If you don’t have money, you feel bad. Make that happen for years, feeling get worse. What’s the connection between debt and depression?

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Cooling Off Financial Woes During the Summer Heat

Cooling Off Financial Woes During the Summer Heat

ByShawn Paul Wood July 3, 2024July 3, 2024

When the summer heat arrives, so do the bills–higher utilities and lower resources. Beyond Finance shows how to spend less and cool off.

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Keep On Moving: The Full Cost of Choosing Where to Live

Keep On Moving: The Full Cost of Choosing Where to Live

ByShawn Paul Wood June 26, 2024June 26, 2024

In this economy, choosing where to live is a serious choice. To help, our experts share immediate and ongoing costs to consider.

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Feeling Like a Million Bucks: The Secret to Financial Wellness

Feeling Like a Million Bucks: The Secret to Financial Wellness

ByShawn Paul Wood June 21, 2024June 21, 2024

Understanding how to achieve financial wellness is possible but it takes time, according to our expert financial therapists. Here’s how.

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Resourceful Ways to Reduce Your Credit Card Interest Rate

Resourceful Ways to Reduce Your Credit Card Interest Rate

ByShawn Paul Wood May 22, 2024May 22, 2024

A credit card interest rate is considered fixed, but there are resourceful ways to reduce that number. Beyond Finance has six for you.

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Making Ends Meet: How to Cope with Financial Stress

Making Ends Meet: How to Cope with Financial Stress

ByShawn Paul Wood May 7, 2024May 7, 2024

May is Mental Health Awareness Month, but do you know how to cope with financial stress? We have some practical tips to help.

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Best Practices to Build Good Money Habits and Financial Security 

Best Practices to Build Good Money Habits and Financial Security 

ByShawn Paul Wood April 29, 2024April 29, 2024

Good money habits take time to create with years of financial practice. The good thing about them is that it’s never too late to learn.

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Beyond Question: Isn’t All Personal Debt Bad?

Beyond Question: Isn’t All Personal Debt Bad?

ByShawn Paul Wood February 26, 2024February 26, 2024

Personal debt is typically considered a negative thing by millions of Americans who experience it, yet, that’s not always true. Here’s why.

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Knowing the Importance of Making Financial New Year’s Resolutions to Keep

Knowing the Importance of Making Financial New Year’s Resolutions to Keep

ByShawn Paul Wood January 30, 2024February 8, 2024

There’s no better time than the present to make financial New Year’s resolutions you can keep. Why can’t 2024 become your year to live debt-free?

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© 2026 Beyond Finance. All rights reserved. Please note that all calls may be recorded or monitored for quality assurance and training purposes.

The content on this page is intended for educational and informational purposes only and does not constitute financial and legal advice. Financial wellness is deeply personal — for guidance specific to your situation, please consult a licensed professional.

We provide debt consolidation services. Consolidation loan options offered by our affiliates range from $1,000 to $100,000, have Annual Percentage Rates that range from 4.9% to 35.99%, origination fees ranging from 1% to 6% of the amount financed, and loan terms from 4 to 84 months. A typical personal loan example has a loan amount of $14,000, a 5.00% origination fee, a 72-month repayment term, and an interest rate of 24.90%. You would receive $13,300 ($14,000 less the $700 origination fee - a prepaid finance charge), and the monthly payment would be $376.36, equating to an APR of 27.18%. The total interest would be $13,090.85, and the total cost of the loan (interest plus origination fee of $700) would be $13,790.85. In this example, the total payments made would equal $27,090.85. Only the most creditworthy borrowers receive the highest loan amounts at the lowest rates. Clients pursuing other debt consolidation options who make all monthly deposits, on average, pay back approximately 55% of their enrolled debt before fees. Fees are based on percentages of your enrolled amounts, are usually 25% and are success based. On average, our debt consolidation programs range from 24-48 months in duration. Clients typically save $480 per month on their debt payments.

We cannot offer guarantees on debt consolidation performance. Our services are not available in all states; fees may vary by state. The use of debt consolidation services may adversely affect your credit for a time. You may be subject to collections or lawsuits by creditors or collectors. Your outstanding obligations may increase from the accrual of fees and interest. Certain creditors and types of debts are not eligible for our services. C.P.D. Reg. No. – 21-04861.

We do not discriminate on the basis of race, color, religion, sex, marital status, national origin, or ancestry.

Testimonials reflect the individuals' opinions and may not be illustrative of all individual experiences.

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