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Ask an Expert: How does credit counseling affect my credit score?

  Q: How does credit counseling affect my credit score? A: Dear reader, I applaud you for recognizing the importance of a healthy credit score. A healthy credit rating can help lead to home ownership, auto financing and the lowest rates for credit cards. Working with a financial professional is a good way to learn ways that help you manage your debt to get the best results. Simply talking to …Read More

6 Steps to Take Your Side Hustle to the Next Level

By Meredith Wood When you decide to start your own business, you’re taking a big step into exciting, new (and overwhelming) territory. While small business ownership can be thrilling and life-changing, only 30% of companies survive their 10th year. But you’re not scared—you welcome the challenge. You don’t plan on surviving—you plan on thriving. To achieve that level of success, you need to make sure your business is running right …Read More

The NFCC is Excited to Announce our New Ask an Expert Column!

Have a puzzling question about your finances? Here at the NFCC, we know that finances can be confusing and difficult to navigate.  From purchasing a home, to paying monthly credit cards bills, to saving for retirement – every decision along the way is important and can be complex.  For example, it’s hard to know whether you should use savings to pay off debt or whether buying a house is the …Read More

Budgeting for Newlyweds: Figuring Out Family Finance

The weeks and months after your wedding are meant to be bliss, so don’t let money conflicts get in the way of things. Crafting a budget with your new spouse, or better yet, your spouse-to-be, will help ensure you face new family finances as a team.   The basics of building a budget are similar whether you’re married or not. You need to plan for your bills and financial goals …Read More

Smart Car Tips to Help Keep Your Credit Tuned Up

This weekend is the unofficial start of summer and it provides the perfect time for road trips and vacation getaways with family and friends. But with the cost of gasoline and the price of car maintenance, the cost of keeping your car on the road can add up. The National Foundation for Credit Counseling (NFCC) recommends several preventative automotive care measures to keep your credit and your car tuned up: Be …Read More

Memorial Day Weekend Savings Tips

Summer doesn’t technically start until June 20. However, the unofficial start of summer is almost here. The weather is warming up across the country and Memorial Day weekend is right around the corner. For a lot of people, the long holiday weekend also means a weekend getaway experience. Of course, these short vacations also mean emptying a good portion of the paycheck. Here are a few tips to help you …Read More

Five Tips for Getting Professional Photography on a Bare Bones Budget.

Are you recently engaged? It’s supposed to be one of the happiest days of your life, but getting there can be stressful. Wondering how you are going to afford all the details for your wedding? According to the Knot’s study of 16,000 brides and grooms married in 2014, the average wedding cost is $31,213. The average cost for a wedding photographer is $2,556 and does not include videography.  If wedding …Read More

3 Ways VA Loans Boost Access to Homeownership

VA loans were created seven decades ago to help veterans and military families get a foothold in the housing market. Today, this historic benefit program is making a difference for a new generation of military homebuyers. VA loan volume has skyrocketed since the housing crisis. Three of the last five years have set new records for this $0 down loan program, and last year’s more than 700,000 loan guarantees were …Read More

The Benefits of Credit Counseling — Even When You Don’t Yet Need It

You may be familiar with credit counseling for bankruptcy or for help with debt management, but consumers in financial distress aren’t the only ones who may benefit from credit counseling. Nonprofit credit counseling agencies provide free or low-cost financial education services and counseling on a variety of topics. Those looking for financial guidance, especially those who don’t have the resources to work with a financial advisor, may find the help …Read More

When and Why You Should Choose Credit Counseling: How Credit Counseling Can Help Your Financial Situation

If you’re running out of money at the end of each month and struggling to pay your bills, a certified credit counselor can help you regain control of your finances, but how do you know if credit counseling is right for you? When to call a Credit Counselor Credit counseling can help you to relieve the stress caused by your financial situation. If any of the following scenarios apply to …Read More