Woman taking a walk to minimize holiday stress

Minimize Holiday Stress to Spend Less

At first glance, it may be hard to see the relationship between holiday stress and your spending. But the connection is definitely there. The pressure to do it all and do it well during the holidays can leave us feeling like worn-out underachievers. We think that spending on that one extra gift or blowing the budget on a last-minute bash will make ...


Payday Loans or Cash Advance Stores

As the cost of everything continues to rise, many people are finding themselves running out funds before their next payday. Some are turning to payday loans or cash advance stores just to make ends meet. However, many people are not aware of the total cost of payday loans. Many payday borrowers don’t understand that a $15 or $20 fee for borrowing...


young woman victimized by holiday scams

How to Avoid Holiday Scams

Financial scams tend to pop up more around the holidays. Consumers are busy, buying lots of goods and more than willing to shell out extra cash for those in need. While generosity is the theme of the season, it’s vital consumers use caution when donating to a charity. To help you stay alert and financially secure, we’ve compiled a list to help ...


signs of housing scams and fraud

Signs of Housing Scams & Fraud

When the housing bubble burst in 2007, a slew of scam artists started targeting homeowners facing foreclosure. It quickly became difficult to sort the real help from false hopes. Consumers around the country were scammed out of thousands of dollars, and even their homes. It’s important to know that legitimate help is widely available. The U.S....


Precautions for Co-signers

Lenders require a co-signer when a consumer doesn’t qualify for a loan, either due to a lack of credit history or poor credit history. A co-signer is an individual who meets the loan requirements and agrees to cover the loan payments if the borrower requesting the loan is unable to make them. The decision to co-sign a loan – or to ask a love...


How to Create a Workable Budget

One of the most effective tools for managing your personal finances is also the most overlooked. It’s the personal budget, which simply measures the amount of money coming in and the amount going out. At Take Charge America, we have found that individuals who maintain regular budgets are more likely to recognize and reverse bad spending habits...


Do’s and Don’ts for Using Home Equity

Equity is the difference between a home’s fair market value and the outstanding mortgage balance. When the housing market crashed in the fall of 2007 and into 2008, many homeowners across the nation lost much, if not all, of the equity in their homes. Homeowners who do have equity in their homes have the option to borrow money against the equi...


10 Easy Ways to Save $50 This Month

Could you use some extra cash? Most of us can, especially with the challenges of a looming recession, stalled wage growth and rising prices on consumer goods. To help you free up more cash this month, here are 10 easy ways to save $50 (or more!).     Cheap Gas Visit sites like gasbuddy.com to find the lowest gas prices in your neighborhood. Be...