What Exactly Is A Certified Consumer Credit Counselor?
You’ve probably heard the term “credit counselor” but you may wonder what that is exactly. Some are not certified, while others are. There are several certification agencies, but CCOA’s financial counselors go through the National Foundation for Credit Counseling (NFCC) certification program. The NFCC was established in …
Create Financial Goals for a Successful New Year!
Do you have financial goals? People often have hopes and dreams, but don’t jot those down and commit them to action. As the saying goes, “If you aim at nothing, you’ll probably hit it.” It’s true — if we are proactive and …
It’s A Good Time to Review Your Spending
Any time is a good time to review your expenses, but around the start of a new year is especially a good time to do a review. If something significant happens during the year, such as a significant change in income or …
Holiday Overspending Out of Love
The holidays are a time of great joy and excitement for millions of people. Many typically want to show their love for others in their life by buying them presents. This is perfectly fine, of course. But what can get us into some …
What Is Credit Counseling?
Many people have heard the term “credit counseling” but they don’t know much about what it is. Credit counseling from an accredited, non-profit organization is: Free. Credit counseling is typically offered by a non-profit organization and there’s no cost to have a …
Holiday Shopping Budget Busters
Holiday sales are abundant. So many choices, so many great deals to choose from. However, there are a couple of big Budget Busters that can result in overspending hangovers in the New Year. It may be a great deal, but be careful …
The Most Important Black Friday Tip
Thanksgiving, Black Friday and Cyber Monday sales are an annual staple. There are countless sales both in person and online to choose from. So many choices, in fact, it can be a bit overwhelming. Numerous holiday shopping strategies abound, but there’s one money smart tip …
CCOA welcomes new Executive Director, Keith Hicks
The CCOA team welcomes Keith Hicks as our new Executive Director! He started this morning and brings a variety of education, skills and experience to our non-profit organization. CCOA’s Search Committee was especially impressed with Hicks’ leadership, managerial, analytical, and communicative skills …
What exactly is debt management?
Debt management is typically repaying your unsecured debt (like credit card debt) principal in full within three to five years. It is often confused with debt settlement, which it is not. Settling a debt for less can greatly hurt someone’s credit and …
Have a debt monster that won’t go away?
Do you have a debt monster that won’t go away? If your credit card balances aren’t going down, CCOA can help you send them packing. Learn what you can do about it by answering 5 fast, fun and easy questions (no personal …
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