Empower Yourself To Fix Your Financial Situation

Society is good at making statistical outliers feel normal. We hear all sorts of stories involving personal finances that lead us to psychologically digest our own experiences: It’s normal to be in foreclosure or to have mortgage debt that exceeds your home value. It’s normal to be 50 without any retirement savings. It’s normal have…
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Five Simple Ways To Avoid Credit Cards At Christmas

I know, I know, Christmas seems like it is light years in the future. Before we know it, our senses will be bombarded with Christmas music and the aroma of fresh pine! If you are anything like me when I was younger, the holidays were always a stressful event because I rushed around at the…
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How To Write A Cease And Desist Letter

Many consumers who fall behind on debt payments may find themselves on the wrong end of phone calls and letters by companies trying to collect the debts. Often, the calls and letters are upsetting to consumers and unfortunately can lead to unwanted stress and anxiety. While some collection agents may be polite and respectful, more…
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Should I Give My Adult Child Money?

When I work with clients who give money to their adult children, I am always curious why. Since preparing a comprehensive budget is part of the counseling process, the topic often comes up. The adult child may still be living at home or recently returned to the parents’ household. Or, parents may be giving money…
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