Working for myself and my future!

Scroll Down

How to Flip Houses for Beginners

So, you’re interested in flipping a house? According to ATTOM Data, 6% of all homes and condos were bought and resold within the same 12 -month period. Average gross profit for flip is at an all-time high with an average home flip returning $68,143. Homes took an average of 182 days to complete a flip Read more >

Millennials Taking Different Approach to Small Business Ownership

Most small business owners (SBOs) get their start because they have an entrepreneurial mindset and desire to be their own boss. How and why SBOs operate is very different across generations, according to TD Bank’s 2018 Small Business Survey of nearly 580 SBOs. Millennials (adults ages 18 to 34) frequently are stereotyped as being impulsive Read more >

Small Business Financing: 5 Reasons You Need a Backup Plan

When starting or running a small business, one of the biggest issues that business owners run into is a lack of capital. Sudden unexpected expenses are common and can unfortunately sink a business within a few months.   In order to survive long-term, small businesses should always have access to some sort of financing or Read more >

How to Plan Your Retirement On the Go

It’s common knowledge that you should start planning for retirement early. Staying on track requires learning how to carve out savings and knowing how to manage it all to make sure you have enough when the time comes. Whether you’re in the early stages of the planning process or you’re further down the line and Read more >

What Should Your Long-Term Business Financial Goals Look Like?

You have a handle on your personal financial goals, but what if you’re an entrepreneur? How you manage your business’ finances may look drastically different from your strategy for personal finances.   Whether you run a one-person show or have an extended team, being able to manage both the day-to-day of your finances as well Read more >

Funding and Running an Effective Small Business Marketing Campaign

A considerable number of small businesses in the United States are sole proprietorships or closely held enterprises, including family operations. Business finances are closely connected with the economic health and wellness of a sole proprietor or close group of owners. Consequently, decisions made pertaining to small business marketing have a direct impact on both the Read more >

Budget-Friendly Upgrades to Improve Your Old Office Space

Your office is a reflection of your mind. If it’s cluttered, 9 times out of ten, your mind will be cluttered. If the space is outdated, coming up with the best and freshest solutions for your tasks may be more difficult. That’s why it’s important to take a good look at your office space and Read more >

Small Business Credit Awareness FAQs with Jay DesMarteau of TD Bank

Recently, the NFCC had a Twitter Q&A with Jay DesMarteau, Head of Regional Commercial Specialty Segments at TD Bank to discuss small business credit profiles, scores, and basic small business credit awareness. Check out the great information that was shared below. When does a small business begin to establish credit? A small business starts a Read more >

7 Simple Tips to Manage Irregular Income

“My paycheck is unpredictable.” It’s the underlying challenge every freelancer, independent contractor, salesperson, solopreneur and business owner faces. While this factor alone scares many people away from pursuing their entrepreneurial aspirations, it is nothing to fear when you are prepared to manage the potential pitfalls of irregular income. In fact, it can be a powerful Read more >

Who is the NFCC?

We are the National Foundation for Credit Counseling (NFCC). Founded in 1951, the NFCC is the nation’s first and largest nonprofit dedicated to improving people’s financial well-being.

NFCC members help millions of consumers like you through community-based offices serving all 50 states and Puerto Rico. Each NFCC member agency has earned our seal by adhering to high standards and ethical practices designed to help you achieve financial stability.

For more on the NFCC, visit


Thank you to TD Bank, America’s Most Convenient Bank® and The TD Charitable Foundation, the charitable giving arm of TD Bank, for their exclusive support and commitment to NFCC’s small business owner financial coaching and education program.