Real Clients, Real Success

Every client has a story. Setbacks. Hard work. Success. When you hear their stories you may be surprised at how much of yourself you see in their circumstances. No matter the differences, however, the end result is the same across every story - they decided to make a change and reached their goals as a result. You can do the same.

Financial Tips and Advice

We blog about all kinds of financial topics - from the psychology of spending to the simplest ways to cut costs. Browse our extensive backlog of educational articles.

  • Woman staring out of a window - you can only see the back of her head.

    What Does It Mean to Be "In Debt?"

    If it’s true that nearly everyone has debts to repay, most of us are technically “in debt,” yet only some of us are described that way. The phrase “in debt” seems to be reserved for people who owe too much, but even that is hard to pinpoint. How much is too much?
  • Young man reading a bill, sitting in front of a laptop, trying to decide if he should pay it.

    Should I Pay Off an Old Debt?

    If you've got a collection debt that's about to fall off of your credit report, is it worth paying it off (even if you can)? There are a few factors to consider. Here's what you need to know.
  • sending text messages

    Major Debt Collection Changes Coming in 2021

    Some major debt collection rule changes will be going into effect on November 30, 2021. These updates include helpful protections for consumers, but also open the door for collectors to use email, text messages, and even social media in their attempts to collect on debts.
  • calendar marking when rent is due

    The Case Against Paying Rent with a Credit Card

    Rent payments with a credit card soared during 2020. While there were good reasons why tenants turned to plastic to get by during an especially challenging time, there are plenty of reasons why you should avoid charging your rent if you can help it.
  • woman walking through city during major snow storm

    How to Deal with a Shockingly Big Utility Bill

    The recent deep freeze in Texas left some residents with historically massive electric bills. If you find yourself stuck with an enormous utility bill as a result of a natural disaster, severe weather event, or smaller scale calamity, here are some of the initial steps you should take to protect your finances.
  • stressed out woman sitting in front of a laptop

    How to Get Out of a Bad Co-signing Situation

    If you're co-signing on a loan, it's usually to help out a friend or family member who doesn't have the credit to qualify on their own. While the intentions are good, co-signing can go south quickly if the other borrower stops making payments. What are your options at that point? Can you be removed from the loan?
  • using a credit card at a coffee shop

    What Causes a Credit Card to Stop Working?

    Credit card technology has taken a leap forward in the past decade-plus, with new features that make transactions faster and safer. But that doesn’t mean your cards won’t fail you at the most inconvenient time. So why do credit and debit cards stop working?
  • couple discussing finances

    What Does It Mean If Your Credit Card is Charged Off?

    When a credit card, utility bill, or other debt goes unpaid long enough, it may end up being “charged off” by the lender. What exactly does that mean, and what does it mean for you? Here's everything you need to know about charged off accounts.
  • woman with mask checking her phone

    How to Collect a Missing Stimulus Payment

    The second wave of coronavirus stimulus payments (for $600) have been distributed, but not everyone has received their check. If your payment landed in the wrong account, here's what you need to do.
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