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How to Find Free Summer Lunch Programs for Kids

Families who rely on free or reduced school lunch programs during the year often worry about what’s going to happen during the summer when school is out. Fortunately, there are several ways kids under 18 can enjoy free summer lunch programs, provided you know where to look. Let’s review the details. What are these programs […]

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5 Smart Ways to Use Home Equity

One of the many benefits of owning a home is the opportunity to use the equity in your home to make home improvements. Whether you are planning to sell and want to maximize your selling price, or you simply want to enhance your home for your own enjoyment, let’s look at the home upgrades that […]

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Online or Phone Credit Counseling — What’s Right for You?

Credit Counseling is a free service offered by nonprofit credit counseling agencies — like Take Charge America — that helps consumers find solutions for their credit card debt. The process includes reviewing a consumer’s income, expenses and debts, formulating a workable budget and developing an action plan to tackle credit card debt. At Take Charge […]

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How to Calculate Your Credit Score

Your credit score is a critical piece to your personal financial puzzle. It helps determine your creditworthiness and what terms you qualify for on new credit and loans. Your 3-digit credit score ranges from a low of 300 to a high of 850. The higher your score, the more likely lenders will offer you their […]

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