Create Financial Goals for a Successful 2024
Do you have any financial goals for the new year? Now is a great time to start brainstorming what financial goals you would like to achieve in 2024. Many people have hopes and dreams, but turning those into reality involves having goals …
3 Holiday Spending Tips
Black Friday, which is the day after Thanksgiving, is a big day for holiday sales. However, it’s recently turned into more like Black November, as retailers try to get a headstart over other retailers. So maybe you’ve already begun your holiday shopping, …
3 Vital Credit Score Tips
If you’re wanting to get a loan to buy, or refinance, your home or a new car, you will want to optimize your credit score to ensure that you will qualify for the loan as well as get the best interest rate …
Does Closing a Credit Card Account Help My Credit Score?
One question we often hear is, “If I close a credit card, will that help improve my credit score?” This can be good credit management, if you don’t want to have as many credit cards. Closing an account can also help people …
CCOA Client Given National Award
One of our clients was named the national recipient of the National Foundation for Credit Counseling (NFCC) Brighter Financial Future award recently in Washington, D.C.! Our Executive Director, Mary Catherine Harcourt, was there to introduce and congratulate Jennifer Bryant on the honor. …
Dealing With Skyrocketing Credit Card Interest Rates
At the end of last year, the average household credit card debt was almost $10,000. Additionally, Forbes says the current average credit card interest rate is 24.59%. That is the average rate, not the default rate. That’s outrageous! For anyone carrying credit …
Enjoy a Vacation Without Breaking the Bank
The average U.S. vacation cost this year – including travel, food and lodging – for two people, will cost just over $3,800 per week. Not everyone can afford a week-long $3,800 vacation, or even a $1,800 vacation. Here are some tips to …
Financially Surviving a Recession
For many Americans, this economy has gone from bad to worse. Most economists say we are not in one yet, but expect a recession to hit within a year. What can you do to prepare to financially survive a recession if and …
3 Common Ways People Can Easily Waste Money
3 Formas Habituales de Despilfarrar Dinero People can be very careful with their money, but there are a few very common ways that people easily waste it. Here are three of the most common: 1. Not having a budget. One of the …
Look at the Big Picture on Spending
Benjamin Franklin said, “Beware of little expenses. A small leak will sink a great ship.” That’s still very relevant today. How much do you spend on lunches, dinners out, and entertainment? The average person tends to focus on big, expensive purchases and …
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