So you have goals for the new year. Planning is important to make them happen, but sometimes planning can turn into procrastination. When that happens, your plans can actually prevent you from reaching your goal. Learn how to turn your dreams into reality. Use these tips to help... READ MORE

Each year, millions of people set New Year’s resolutions. Few of those people are still on track after just 10 days. Goal setting seems simple on the surface. You define what you’d like to accomplish and take steps to make those accomplishments a reality. However, it often turns... READ MORE

Don’t let a lack of money keep you from ringing in the New Year. You can host an incredible holiday party without breaking the bank. Check out these tips: Have your guests bring food and drinks. If everyone brings their favorite snack and drink to share, then nobody will have to... READ MORE

When you’re choosing a place to keep your money, you have many options. Is it better to choose a bank or a credit union? That depends on your situation and your needs. Banks and credit unions each have advantages and disadvantages. Advantages of Credit Unions: Credit unions are... READ MORE

A new year is a great time to start new financial habits. If you have been carrying around excess debt, let go of it through bankruptcy! Many people use their credit cards to pay for their living expenses, and then use their paycheck to pay down their credit cards. Before you... READ MORE

If you are behind on your payments, a creditor may tell you they will put a lien on your home. What does that mean? A lien is a public record attached to your property that states that you owe a creditor money. Liens are usually attached to real estate, but can sometimes be... READ MORE

Financially speaking, the holidays can be tricky. The period of time between Thanksgiving and New Years can be a real financial burden for many families. Planning ahead is the key to having a great holiday season without breaking the bank. Create a Budget. Creating a budget is... READ MORE

Tired of the way things are going for you financially? It might be time to adjust your perspective. Looking at things a new way can help you make the changes you need to get and stay out of debt. Here are 7 personal finance tips you may not have considered that can help you see... READ MORE

Losing your job is a hard thing to go through. Many of our clients file bankruptcy because of debts they incurred while struggling through a job loss. We want to help people recover from difficult financial situations as quickly as possible. Here are some things you can do to... READ MORE