Are you having problems with debt? Are you afraid to answer the phone because it may be an angry creditor calling? Do you have problems getting from one paycheck to the next? The simple answer is that you need to budget. But for that budget to work, both you and your spouse need to be [...]

Today’s culture has seen an unmatched rise in the number of people who file personal bankruptcy. With the amount of consumer debt at an all-time high, a growing number of people feel that this is the best option for them so they can start over with their finances. The only problem with this idea is [...]

You should consider how to build credit using good money management skills today. Your first step is to keep a record of outgoings and use a strict budget that you can stick to. Bankruptcy and debt consolidation may add more costs to an already bad situation. You will have to deal with more expenses, high [...]

Children have vast amounts of purchasing power (billions) either directly or indirectly. Yet, even with all this influence and direct purchasing power, children are rarely taught about money… and more importantly the managing of money. I for one used to be as guilty as the next parent when it came to making it a point [...]

Establishing a budget, keeping on track with it and keeping record of all of your expenses is the real solution for rebuilding and repairing your credit once it has been damaged. Don’t be tempted to file for bankruptcy; you will only ruin your chances for the future. Even the solution of a debt consolidation loan [...]

If your teen left home tomorrow, would they need credit repair in a week? Would they be able to buy groceries in a month? Would they have to come back and live in your basement, hiding from their creditors, up to their eyeballs in credit card debt? It’s a scary idea, I know, that in [...]

Do you really need to learn money management or do you need to learn a new attitude about your money? Where did you learn your ideas about money? Probably if you’re like most, you learned what your parents taught you. Maybe your spouses’ money habits and concerns have rubbed off on you. Most importantly, how [...]

I just received notice of a lawsuit that was filed against me by a collection agency. What do I do now? I get that type of phone call at my office about once a week. Fortunately, the caller has made the obvious correct choice in contacting an attorney right away. This is an important aspect [...]

Living beyond financial means and incurring large amounts of consumer debt are increasing among individuals and families. Whether your income is large or small, creating a budget and adhering to it, will allow you to avoid debt and make better choices about needs and wants. When you create a family budget it is not so [...]