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Financial Guidance Library

Helping others achieve financial success

Financial Guidance Library

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Don't let debt hold you back this year

Getting in good physical shape is a worthy goal for the new year but why not pledge to eliminate debt, too? It’s a good time to stop making excuses and face reality with your debts, especially if they’re holding you back from purchasing a home, saving for retirement, or taking that dream vacation.

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Does debt cause stress?

Will your vehicle still be in the parking lot when you get off work this afternoon? Will you have someone knocking on your door tonight to serve you foreclosure papers? Will you be hearing the voice of that annoying debt collector from that credit card company before the day is over?

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Being held hostage by your debts?

Are your debts holding you back from purchasing a home, saving for retirement, or taking that dream vacation? It is time to stop making excuses and face reality with your debts.

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Try a financial diet in the new year

As we are working our way into a new year, many people are thinking about their resolutions for 2012. The No. 1 resolution that most individuals focus on is losing weight. I think it is time to try a new diet this year – a financial diet.

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What’s In Your Credit Score?

Many financial institutions use your credit score to determine if you will qualify for a loan and what interest rate you’ll get. But that’s not the only way the score is used today. Many employers check credit scores with job applications, and insurance companies use the score to help determine premiums.

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Don’t let holidays cause a debt hangover

Many people will be spending lots of money this holiday season on gifts and entertainment. From hosting parties for friends and family to buying gifts for everyone they know, people often don’t realize that spending money doesn’t always equal happiness.

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Plan ahead to survive Black Friday

The famous Black Friday is fast approaching and people are polishing their credit cards and asking for credit limit increases to make sure they are well prepared. But let’s be realistic. Just because you have $2,000 in available funds on your credit card doesn’t mean you need to spend it all.