Credit card debt

How Do You Avoid Debt, Temptation of Credit Versus Cash

If you think you have too much debt, you are not alone. It isn’t hopeless, though. There are innumerable good examples out there of people who use credit and borrowing wisely. You can be one of them if you stay committed to a few principles.

Posted on December 23, 2016

American Financial Solutions Clients Highlighted in National Campaign

The National Foundation for Credit Counseling® (NFCC) today announced the six-month activity report of the Sharpen Your Financial Focus program. To date, more than 20,000 consumers from a diverse array of states have enrolled in the program, and have completed at least two of the three steps to increase their financial situations.

Posted on December 23, 2016

Personal Money Management Quiz

It’s Financial Literacy month! Start out with a quick personal finance habit assessment and then visit our main page and click on MyMoneyCheckUp to complete a free, full financial review!

Posted on December 23, 2016

Ask yourself what you deserve more

When you are in a department store, eyeing a new shirt or skirt or pair of shoes for your wardrobe, one of the messages you might tell yourself is, “I deserve this.” We won’t argue with that. You do deserve it. But you deserve something else, too, the peace of...

Posted on December 23, 2016

Waiting for that second marshmallow in your financial life

You made it through Christmas and if you’re among the lucky ones, you did it without giving into the temptation to overspend. If that’s you, congratulations! What you might not have expected, though, is that delaying gratification was easier when you were geared up for it. Once you let your...

Posted on December 23, 2016

Watch individual credit balances as well as the overall picture

If you are on the path of improving your financial situation, chances are you are working to reduce your debts. There are obvious reasons to do this, such as lessening what you pay out in debts every month, having financial peace of mind, and creating less risk to you...

Posted on December 23, 2016

A Tax Break that can Boost Your Efforts to Reduce Debt

As tax time approaches one important federal tax program might provide you a good way to put some money away into savings as you work on improving your financial situation. Financial experts differ on how much you should have set aside, but agree that you should have something to...

Posted on December 23, 2016

Take a new view of the debt snowball

Just as there is no diet that works for everyone, the best and fastest way to reduce debt is whatever works for you. We all have different stories about how we got into debt and different personality traits will call for different strategies to get out. The good news...

Posted on December 23, 2016

Simple Resolutions Can Make for a Financially Successful 2014

If you’re in a position where New Year’s Day 2014 finds you in a better financial situation than you were at the beginning of 2013, even if only a little bit, congratulations! If your situation is not better, take heart. Making a positive difference doesn’t necessarily mean making huge changes. With...

Posted on December 23, 2016

Know Your Options Before Addressing Financial Problems

Your financial difficulties could already be severe enough that you are tempted to accept the first solution that comes along. However, there are pros and cons to bankruptcy, debt consolidation, debt settlement and most debt repayment options. It is important to talk to someone who knows the ins and...

Posted on December 23, 2016