Credit Card – Avoiding the Debt Trap this Holiday Season

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Gift Giving on Credit Staying out of debt can be almost as difficult as paying it off especially when our emotions take over. After all, buying gifts for our loved ones during the holiday season is a very emotional purchase. Preparing for gifting should begin way before the holiday season. In a survey conducted by The American Research Group, Inc., … Read More

Simple Fixes for Runaway Credit Card Debt

Jeanne McTaggartChristian Credit Counselors

Christian Credit Counselors

Despite the best of intentions, it is easy to fall quickly into credit card debt. When you struggle to pay just the minimum payment on your credit card bills, take logical steps to untangle the mess with Christian credit counseling. According to an article by businessinsider.com, the average American family has about $15,000 worth of credit card debt. Ignoring credit … Read More

Credit Counseling for Millennials Who Want a Fresh Start

Jeanne McTaggartCredit Counseling

Credit Counseling

When you are dealing with massive credit card debt in your 20s or early 30s, it is difficult to get a mortgage loan or a car loan. In some cases, lenders demand you pay a higher interest rate because of poor credit and too much consumer debt. By engaging in credit counseling, you take control of your financial future before … Read More

Credit Card Debt vs Credit Counseling

Jeanne McTaggartCredit Counseling

Credit Counseling

Before opening up a new line of credit or applying for an additional credit card, weigh the risks. Many consumers do not realize they inadvertently hurt their credit scores by making financial missteps. According to a recent piece by CNBC.com, it is a risky time to carry new credit card debt due to the potential interest rate hike by the … Read More

Credit Card Debt and the Need for Credit Counseling

Jeanne McTaggartChristian Credit Counselors

America Paying Down Debt Credit card debt and other money problems aren’t always signs of over-indulgence. In some cases, it is simply a sign that the American economy’s in trouble. The good news is the latest credit card debt study shows Americans paid down more than $34 billion owed to credit card companies. The amount they paid back is 7% … Read More

Credit Card Promotions and the Untold Truth

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Understanding Promotional Credit Cards These days, just about every store has credit card advertising … some kind of low interest promotion. How often have you seen sales advertising “0% financing for 18 months” or “Pay no interest until next year”? These deals are hard to pass up, but they can end up costing you if you aren’t careful. Understanding the … Read More

Credit Cards: Considering Credit History

adminChristian Credit Counselors, Credit, Credit Cards, Credit Counseling, Debit & Your Credit Score, Debt, Debt Settlement, Finance, Money Management, Personal Goals, SavingLeave a Comment

Considering Your Credit  Do you have credit card accounts that you don’t use? Are you thinking about closing these unused accounts to clean off the slate? Read this article to learn more about the effects of closed accounts on your credit history. A Fair Isaac representative reported that closing accounts does not directly hurt one’s credit score, regardless of whether … Read More

Financial Planning: A Dose of Truth and Grace

adminChristian Credit Counselors, Credit, Credit Cards, Credit Counseling, Debit & Your Credit Score, Debt, Debt Settlement, Finance, Goals, Investing, Money Management, Personal Goals, SavingLeave a Comment

Planning for a Financial Planner So you’re considering a financial plan! Perhaps your finances have told you that you need one. Planning with purpose for your financial future is a noble task. Sure many good things come to us in unexpected surprises, but planning for a good future, especially when it comes to finances, is a wise strategy indeed! You’re … Read More

Credit – The Four Most Common Forms

adminBudgeting, Christian Credit Counselors, Credit, Credit Cards, Credit Counseling, Debit & Your Credit Score, Debt, Debt Settlement, Finance, Goals, Money Management, Personal Goals, SavingLeave a Comment

What is credit?  Credit is defined in a couple of ways. One is the amount of money you are approved to borrow from a lending institution. With this approval comes an agreement to repay the charges, any additional fees that can or will be applied, and to abide by time restrictions. Credit can also be classified as your borrowing reputation. … Read More

Money, Love, and Marriage

adminChristian Credit Counselors, Credit, Credit Cards, Credit Counseling, Debit & Your Credit Score, Debt, Debt Settlement, Finance, Money Management, Personal Goals, SavingLeave a Comment

Marriage and Money Roses are red; violets are blue. No matter the cost, I’ll stand by you… Have you had the talk yet?…You know, the one about money, spending habits, future goals, budgeting…? If you haven’t, it should be a top priority for your relationship.  If you have, have it again.  Discussing finances should be a regular and healthy part … Read More