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Home / Shawn Paul Wood - Page 3
The Seven Warning Signs You Have Too Much Debt

The Seven Warning Signs You Have Too Much Debt

ByShawn Paul Wood August 8, 2022February 8, 2024

Most Americans have debt, but how do you know when it’s “too much debt?” Beyond Finance has the seven warning signs to watch.

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22 Budget Hacks to Help You Stop Spending Extra Money

22 Budget Hacks to Help You Stop Spending Extra Money

ByShawn Paul Wood May 23, 2022May 23, 2022

Prices are going up everywhere and financial confidence is going way down. Do you need budget hacks? We have 22 you need now!

Read More 22 Budget Hacks to Help You Stop Spending Extra MoneyContinue

Spring Cleaning Your Finances: How to Dust Off Your Financial Literacy

Spring Cleaning Your Finances: How to Dust Off Your Financial Literacy

ByShawn Paul Wood April 21, 2022

During Financial Literacy Month, it’s important to test what you know about your relationship with your finances to plan for the future.

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Is Your Dollar Still Worth a Dollar?

Is Your Dollar Still Worth a Dollar?

ByShawn Paul Wood March 16, 2022March 16, 2022

We are experiencing the stress of supply chain issues and the stress of inflation. Maybe you have asked yourself, “Is my dollar even worth a dollar any longer?” Once upon a time, a person’s worth was in livestock, real estate, or even bars of silver and gold. Imagine going through…

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What are the Top Reasons People Stay in Debt?

What are the Top Reasons People Stay in Debt?

ByShawn Paul Wood February 23, 2022December 12, 2023

We have all tried ways to get out of debt. Some work and others don’t. Have you ever thought about the main reasons why people stay in debt?

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How to Fall in Love with Your Finances (Again)

How to Fall in Love with Your Finances (Again)

ByShawn Paul Wood February 7, 2022December 12, 2023

Having an unhealthy relationship with money creates many problems in your life. It’s time to learn how to fall in love with your finances.

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Raising Awareness About Poverty in America

Raising Awareness About Poverty in America

ByShawn Paul Wood January 20, 2022October 19, 2023

Did you know 42.5 million people live below the poverty rate? For them, we have to raise awareness about poverty in America.

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Make 2022 Your Year for a Financial Reset

Make 2022 Your Year for a Financial Reset

ByShawn Paul Wood December 14, 2021December 12, 2023

After you’re done shopping for the holidays, it’s time to think about 2022 and your budget. More importantly, your financial reset.

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Learn How to Defend Against Cybersecurity Financial Attacks

Learn How to Defend Against Cybersecurity Financial Attacks

ByShawn Paul Wood October 27, 2021November 6, 2021

If you worry about cybersecurity financial attacks, this post has no tricks, all treats to help you protect your online accounts.

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What are the Most Terrifying Credit Card Scares?

What are the Most Terrifying Credit Card Scares?

ByShawn Paul Wood October 19, 2021June 9, 2025

This is the season of the witch; the haunting season. And if you use plastic to pay for things, it’s the season of credit card scares! Here are the worst.

Read More What are the Most Terrifying Credit Card Scares?Continue

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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 save an average of $608 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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