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Home / Shawn Paul Wood - Page 2
Red Flags for Holiday Social Media Scams

Red Flags for Holiday Social Media Scams

ByShawn Paul Wood December 12, 2023December 12, 2023

As AI advances, odds grow against our favor to protect ourselves if we aren’t aware of red flags for holiday social media scams. Here’s how.

Read More Red Flags for Holiday Social Media ScamsContinue

The 10 Cash-Back Apps You May Want to Help Your Cost of Living

The 10 Cash-Back Apps You May Want to Help Your Cost of Living

ByShawn Paul Wood September 19, 2023October 19, 2023

To help afford the rising costs of living, consumers use coupons, sales, bartering, but what about cash-back apps? Here are 10 of the best.

Read More The 10 Cash-Back Apps You May Want to Help Your Cost of LivingContinue

The Startling Cost of This (or Any) Summer Heat Wave

The Startling Cost of This (or Any) Summer Heat Wave

ByShawn Paul Wood August 29, 2023August 29, 2023

Everyone knows when summer comes, the AC bills rises. Have you ever considered what else does other than the temperature during a heat wave?

Read More The Startling Cost of This (or Any) Summer Heat WaveContinue

How to Beat the Summer Billing Heat

How to Beat the Summer Billing Heat

ByShawn Paul Wood June 7, 2023June 8, 2023

If you’re dreading looking at your summer billing reminders, you’re not alone. Millions feel the same, but these tips will help cool you off.

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A Debt of Gratitude: Telling the Truth About These 10 Money Myths

A Debt of Gratitude: Telling the Truth About These 10 Money Myths

ByShawn Paul Wood April 10, 2023April 10, 2023

We have all believed money myths. People mean well but they aren’t 100% certain if those tales create financial wellness. Let’s find out!

Read More A Debt of Gratitude: Telling the Truth About These 10 Money MythsContinue

10 Terrific Thrifting Tips for Saving Money

10 Terrific Thrifting Tips for Saving Money

ByShawn Paul Wood March 28, 2023

Secondhand shopping is a national $96 billion phenomenon, so the pleasure was ours when we put our heads together for 10 thrifting tips!

Read More 10 Terrific Thrifting Tips for Saving MoneyContinue

An Essential List of Hacks for Credit Cards in 2023

An Essential List of Hacks for Credit Cards in 2023

ByShawn Paul Wood March 22, 2023March 22, 2023

With today’s economy, we need all the help we can get to manage our credit cards. Here is a list of surefire hacks to help your finances!

Read More An Essential List of Hacks for Credit Cards in 2023Continue

Celebrate America Saves Week and Stop Living Paycheck to Paycheck in 2023

Celebrate America Saves Week and Stop Living Paycheck to Paycheck in 2023

ByShawn Paul Wood February 27, 2023December 12, 2023

Many Americans live paycheck to paycheck with no hope of getting out of that situation, but it is possible! Get ready for America Saves Week!

Read More Celebrate America Saves Week and Stop Living Paycheck to Paycheck in 2023Continue

How to Get the Early Jump on Credit Card Late Fees

How to Get the Early Jump on Credit Card Late Fees

ByShawn Paul Wood February 6, 2023February 8, 2024

New year, same old bills? They don’t have to get you down if you know how to manage those credit card late fees. Here are some tips for 2023!

Read More How to Get the Early Jump on Credit Card Late FeesContinue

It’s Time to Go Financial Wellness Myth Busting in 2023

It’s Time to Go Financial Wellness Myth Busting in 2023

ByShawn Paul Wood January 12, 2023December 12, 2023

Following COVID and inflation, Americans will be mindful of their budget in 2023. To help them, let’s go financial wellness myth busting!

Read More It’s Time to Go Financial Wellness Myth Busting in 2023Continue

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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 15% - 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.

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