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Resources & Knowledge for a Secure Financial Future

Take Charge America is dedicated to improving financial literacy among people from all backgrounds facing a variety of financial challenges. Bookmark this page to reference whenever you have a financial question, concern or opportunity.

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The Latest Financial Guidance

Know These 5 Supermarket Spending Traps

It’s hard not to go over budget when shopping at the grocery store these days. Inflation and ongoing supply chain issues mean higher prices on almost everything you place in your shopping cart. You can plan your meals, make a list, use coupons and store savings apps, but there’s one thing you might not be […]

How to Help Your Teen Ace Their First Job

Having your teen get their first job is an exciting milestone for both of you. They’ll receive wider exposure to the world outside your family and their usual school routines and of course, the best part — they’ll be earning their own money. To make this venture into the world of work a successful one, […]

Watch for 5 Signs of Contractor Scams

Making home improvements or repairs comes with the uncertainty of finding someone trustworthy to complete the projects. You’ve probably heard more than one horror story about shady contractors who do sub-standard work or take the money and run. But there are tell-tale signs that can let you a know a prospective contractor isn’t on the […]

young woman on her cell phone dealing with a debt collector

5 Common Questions About Debt Collectors

The phone calls. The letters. The stress. There’s no doubt dealing with debt collectors is a drag. Of course, they are allowed to pursue repayment of the money they’re owed. But many debt collectors stretch the rules or break them completely in pursuit of payment, leaving consumers vulnerable to scams, fraud and needless worry. The […]

woman sitting on the couch stressed out because she can't pay rent

Here’s What to Do if You Can’t Pay Rent

When planning your monthly budget, you always want to make paying rent your priority. Keeping a roof over your head even takes precedence over other payments, such as credit card bills. But what happens if you realize you just can’t make rent for the upcoming month no matter how far you stretch your budget? Here’s […]

debt consolidation paperwork with calculator, pen and glasses

Learn Your Debt Consolidation Options

Juggling multiple credit card payments every month is stressful. You can set up auto-pay or set calendar reminders, but there’s still a chance you’ll miss a payment or not pay enough to cover the minimum due. Plus, multiple payments make the budgeting process more complex. Consolidating your credit card debt so you have just one […]

review your budget before you quit your job

How to Adjust Your Budget Before You Quit Your Job

As more Americans continue to leave their jobs, the Great Resignation shows no signs of slowing down. But as appealing as the thought of leaving a job you don’t like might be, you’ll want to make sure you’re financially prepared for it. Here are some ways to adjust your budget before you quit your job. […]

Watch for These Financial Red Flags with Roommates

There was a time when having roommates was mostly reserved for college students and young adults venturing out on their own for the first time. But these days, people from every generation are discovering the financial and social benefits of living with roommates. The key, of course, is to find the right ones. One of […]

two little kids excited about travel freebies

Be On the Lookout for These Travel Freebies

From airfare and lodging to Ubers and shopping, travel is expensive. Even a quick weekend getaway can cost upwards of a thousand dollars. But rather than cutting corners on your trip or just staying home, there are several ways you can save money, including seeking out free perks. Be on the lookout for these travel […]

credit builder loan paperwork on a clipboard with a pen

Have You Heard of a Credit Builder Loan?

Trying to establish credit from square one can be challenging. Before extending credit, creditors want to see that you can manage it responsibly. But if you haven’t had credit before, there’s very little information on which they can make that decision. Fortunately, there are a few financial tools that can put you on the path […]

Assessing Next Steps in Debt Relief

If you’re unsure where to turn, start with a free and confidential credit counseling session. We will review your income, expenses and debts to determine the best course of action.

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