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 …
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 …
Take control of your college finances
Across the country, universities are making headlines as students start classes – either in-person or virtually. If you have a child that is approaching their high school graduation, this topic likely has your full attention. This is a great time to set …
Have you had “the money talk” with your family?
Money can be a difficult thing to talk about – but having proactive, honest conversations about money within your family can help reduce stress and improve the financial capability of generations to come. Explore our online financial education lesson on Family Conversations …
New Financial Terms Glossary
We’ve all been there. Someone starts talking about financial matters and they use a term you don’t understand. If you’re human, you’ll nod and smile, and, as soon as the conversation is over, you’ll “google” the term to bridge your knowledge gap. …
Credit score counseling: what is it & how does it work?
Your credit score may seem like a random number, but it provides financial institutions and other companies with a snapshot of how “creditworthy” you are, which can have a big impact on your life. Understanding how credit scores and reports work can …
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