Moving Beyond Debt

Personal finance tips and helpful advice for your journey towards a debt-free future

Financial Institutions – Friends or Foe

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Regardless of our age, we’ve heard, read, or even seen movies about The Great Depression, which began in 1929 and continued until the late 1930’s. And although The Great Depression had its origins in the United States, it was global in nature—causing a severe worldwide economic downturn. Unemployment, for example,…
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Safeguard Your Debit Card

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The digital age has ushered in convenience, but also one fear that most people share – having their identity and financial information stolen such as a debit card PIN (versus a credit card). Why? Because with your debit card you’re at risk as scammers can immediately begin funneling money out…
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Missed Credit Card Payment. Now What?

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It’s the end of the month and you just realized that you didn’t make your credit card payment that was due two weeks ago. Or, you opened your billing statement to find a late fee for a payment you thought you made—but didn’t. An accidental missed payment can happen to…
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The Path to Savings

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Let’s face facts; knowing how to get out of debt can be tough. Many of us fell into debt in the first place because of problems with personal finance, the skyrocketing costs of college education, or the setbacks life hands you such as layoffs and medical problems. There are numerous…
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Still Paying off Holiday Debt? Time for a plan

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American’s outstanding credit card debt continues to climb to over $1 Trillion1, reflecting the typical spending frenzy that accompanies the holiday season. And much to our frustration, not knowing how to pay off credit cards is something that can trouble many of us long after the holidays are over. If…
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