Written By: Beth Mincks, NFCC Certified Counselor and Financial Educator The hardest part about budgeting is getting started! Here are some tips that may help you. Step One: Look at the last 2 months of your bank statements to see how much your monthly bills are and what you spend your money on. This will […]
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Check out our expanding library of resources for convenient, accessible ways to learn about personal finance topics such as budgeting, credit usage, and debt management.
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Dos and Dont’s for that much-needed financial conversation for engage and married couples
With many brides and grooms walking down the aisle in June, regardless of how difficult it may be, the conversation about personal finances is one that should be neither ignored nor postponed. As a matter of fact, to increase the odds of making ‘happily ever-after’ a reality, the discussion should take place before the ‘I […]
Clearing up Confusion about using a Consumer Credit Counseling Agency
According to the National Foundation for Credit Counseling’s (NFCC) recent Financial Literacy Survey, many consumers have misperceptions about credit counseling agencies, causing confusion that is preventing them from reaching out for the help they need. NFCC Member Agencies are required to be accredited by an independent third party, and all counselors must become certified. Additionally, […]
Seeking Financial Guidance
Seeking financial guidance is NOT a sign of weakness, it is a step toward financial freedom. Personal finance is a sensitive subject and CCCS of the Heartland has found that pride or lack of understanding is hindering one from seeking some kind of financial guidance. When is a good time to seek financial help and […]
Some Lenders Require You To Keep A $500 Deductible or Less.
WHY DO SOME LENDERS REQUIRE YOU TO KEEP A $500 DEDUCTIBLE OR LESS WHEN FINANCING A VEHICLE? When you finance a vehicle, it does not belong to you, it belongs to the lender until it is paid in full. Therefore the lender, bank, credit union, and so on, need to make sure that this vehicle […]