We work with clients every day who have experienced financial hardships, including problems with their credit. Because many people have been taught to view their credit score as an achievement that reflects their character or worth. This kind of thinking is stressful and can be harmful to your self esteem. We urge you not to…
If you are suffering from financial stress and anxiety, pursuing a debt solution may help improve your health and relieve some short and long-term negative effects of debt. Debt weighs heavily on your mental well-being and can also impact your physical health. Persistent money stress can mimic post-traumatic stress disorder in some people.
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?
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.
Did you know 42.5 million people live below the poverty rate? For them, we have to raise awareness about poverty in America.
Paying minimum payments may not be much out of pocket but it could cost you more than you know.
We made a list of common questions your friends and family might ask about debt resolution. These example answers will help you envision what you might say so that you don’t feel put on the spot. Tip: Don’t worry about memorizing these answers word for word. Instead, you can use them as a guide and…
Your Financial Wellness Home Expert guides, tools, and resources developed by certified financial therapists What is Financial Wellness? When a person strives for financial wellness, it means they work towards good financial habits — saving, budgeting, and spending in healthy ways — as well as positive mental and emotional relationships with money. Our mission for…
Struggling to save is almost never about willpower. It’s about a specific obstacle — a tight margin, debt, no system, or an emotional pattern — that generic advice never names. Take this 2-minute quiz from Dr. Erika Rasure, PhD, to find your real reason and what to do about it.
Almost all saving and budgeting advice assumes a steady paycheck — so when your income changes month to month, “save $500 a month” sets you up to fail half the year. Dr. Erika Rasure, PhD, CFT™ walks through a system built for variable income: budgeting on a low month, saving by percentage instead of a fixed amount, and using your good months to buffer the lean ones — plus the emotional side no one talks about.
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