Credit card debt can be intimidating when you get all of your statements, but it does not have to be. There are several ways to both cut your spending and reduce your debt, without feeling overwhelmed. To help the readers of our blog we have compiled this list of simple and easy ways to reduce your debt quickly, and achieve financial freedom. Get out the scissors. If you are really serious about… **Continue reading**

Unsecured debt is pretty much exactly what its name implies, debt without the safety net of having collateral tied to it. That said, unsecured debt does not necessarily mean “bad” debt. The majority of adult Americans use unsecured debt in their daily lives, often to their benefit.

1. 1. Student Loans Although you may be thinking, "student loans are secure because they are backed up by your education,” this is only the case

I recently ran across a great article titled “The Last Taboo: Americans Will Talk about Sex Before Credit Card Debt,” and the title definitely sparked my interest. Having worked with thousands of Americans over the last several years regarding their credit card debt, we definitely know the challenges, and sensitivities that come with the territory; but sex? Really? Again, we know that for many, credit card… **Continue reading**

Being in debt can be both hard on your wallet and your health, as the extra stress can wear you down. Eventually you may need to look to other options, and one of those options is debt consolidation, which can help you to both pay off the debt more easily and more quickly. To help you make an informed decision, and determine if debt consolidation is the right choice for… **Continue reading** | 5 Comments

MercuryNews.com recently posted an interesting article with advice on how to ease the stress of dealing with debt collectors. Below is a snippet from the article, but you can view the full text by clicking here. 1. DON'T HIDE: It's tempting to avoid creditor calls when you don't have enough money to pay, but that's a big mistake, said Bruce McClary, spokesman for Clearpoint Financial Solutions, a national credit counseling… **Continue reading** | 4 Comments

Being in debt is very much like being in a thick fog; you know there has to be a way out, but you just cannot see it. Rest assured, there always IS a way out, and by simply taking hold of your financial situation and liabilities, you can start to find your way out. 1. Make a Budget Before you can reduce your spending and reduce your debt, you need to figure… **Continue reading** | 4 Comments

Building good credit is actually rather easy; it just takes time, and careful observation. To help you get on your way to the perfect credit score and a healthy financial record, we have compiled the following list of the top 10 ways to build good credit. 1. Get a Credit Card One easy way to build credit is by simply getting a credit card. Getting approved at a department store, like Wal **Continue reading**