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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
Online Installment Loans: What You Need to Know
As consumers become increasingly aware of the dangers of high-interest payday loans and car title loans, a new type of loan is quickly gaining popularity. Sub-prime borrowers are now flocking to online installment loans. At first glance, they may seem like a more manageable option, since the loans are designed to be paid back over […]
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6 Ways to Save Money on a Rental Car
Renting a car is a travel detail that often gets overlooked until the last minute, which can leave you paying far more than necessary. Fortunately, with just a little research and planning, you can save money on a rental car and get around town in style and comfort. Let’s take a look at some of […]
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Don’t Let Your Kids Catch You Making These Money Mistakes
When it comes to teaching kids positive financial habits, it’s important for parents to practice what they preach. If you talk about the benefits of frugality but your kids see you spending frivolously, which example do you think they’re going to emulate? Because actions speak louder than words, you don’t want to let your kids […]
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What are the Alternatives to Credit Card Cash Advances?
When money is tight, a credit card cash advance can seem like an easy solution. But it comes at a cost. In many cases, a cash advance comes with a higher interest rate than that for credit card purchases. And there’s no grace period; the interest begins to accrue right away. When you begin to […]
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7 Tips for a Profitable Garage Sale
There are now more ways than ever to get cash for your unwanted stuff. You can take things to consignment stores, sell on eBay or Craigslist or use any number of direct selling apps on your phone. But when you want to sell a lot of diverse items quickly, you still can’t beat a good […]
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The Pros and Cons of Credit Cards
When managed responsibly, credit cards are a useful financial tool. But problems can arise when consumers come to rely on credit cards to pay for everyday purchases, or to fund a lifestyle they can’t truly afford. To avoid unmanageable debt, some consumers choose to skip using credit cards at all, while others keep one card […]
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5 Questions to Ask Yourself Before Declaring Bankruptcy
People who experience overwhelming financial hardship may consider declaring bankruptcy. It’s a viable option for many who have undergone a significant illness and the accompanying medical bills, long-term unemployment, or for whom credit card debt has become unmanageable. However, it’s not always the financial clean slate that people may be expecting. Bankruptcy should be the […]
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5 Smart Ways to Increase Your Earning Power
Whether you’re getting ready to ask for a raise or embarking on a job search, you want to make sure you’re getting paid what you’re worth. While a number of factors go into determining your earning power, there are several things you can do to boost it. Let’s take a look at these easy ways […]
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5 Ways to Save Money on a New Computer
From streaming movies to storing photos to doing actual work, we rely on computers for so much more than we ever anticipated. And just like all other essential equipment, there always comes a time when you need to buy a new one. Doing so can set you back anywhere from a few hundred to a […]
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5 Ways to Save on Halloween Costumes
With Halloween just weeks away, it’s time to get serious about this year’s costumes. Whether you’re the one getting dressed up or you have to outfit your kids, buying costumes can be really expensive — nearly $40 per costume on average. That’s a good chunk of change, especially since most costumes will only be worn […]
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