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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

6 Holiday Gifts that Don’t Cost Money

Maybe you’re dealing with an extremely tight budget. Or maybe you’d like to minimize the consumerism the holidays bring. Whatever your reasons, there are times when you need or want to give a gift without spending any money. But is that even possible in today’s world of one-click purchases and same-day delivery? Absolutely! Here are […]

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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 shopping online, donating to charities, and using apps. To help you […]

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Don’t Go Broke with Holiday Houseguests

One of the most enjoyable aspects of the holiday season is having friends and family come to stay for a visit. But having those extra people in the house can often lead to a blown budget and post-holiday debt. Fortunately, there are several ways you can be sure your houseguests will have an enjoyable stay […]

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How to Talk About Money in a New Relationship

Being in a new relationship is exciting! It’s fascinating to learn about your new partner, their life and what’s important to them. But one topic often gets overlooked because people aren’t comfortable talking about it — money. Unfortunately, that’s also the subject that ultimately derails many relationships. A lack of honesty about your respective financial […]

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New Rules for Public Service Loan Forgiveness

Many student loan borrowers have struggled to understand the requirements of the Public Service Loan Forgiveness program (PSLF). They experience frustration and disappointment thinking they were making progress toward receiving loan forgiveness, only to find out that their loans didn’t qualify, or they were enrolled in the wrong payment plan. The U.S. Department of Education […]

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Do These “Frugal” Habits Really Save Money?

Everyone loves to save money and get more bang for their buck. There are countless money-saving tips that can help you do just that. But there are some so-called frugal habits that seem to make sense until you dig a little deeper and realize they probably aren’t saving you money. And in some cases, they […]

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Beware of Scams Targeting Military Members

Active-duty military members, their families, and military veterans deserve our gratitude for their service to the country. Unfortunately, scammers feel differently. While there is no shortage of financial scams targeting many demographics, scams aimed at service members and their families are especially egregious. According to the most recent information available from the Federal Trade Commission, […]

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Are You Missing Out On Government Benefits?

Now that many COVID relief plans have expired, Americans are looking for other ways to save money or supplement their income. While most people are familiar with programs like SNAP and Social Security, there are many other state and federal government programs available that can help people who are struggling financially. Let’s look at these […]

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Tips for Mixing Family and Finances

Mixing family and finances can lead to delicate situations. Whether you’re seeking help or willing to assist a loved one in need, it’s important to take steps to preserve your relationships before money switches hands. In this educational series, we’ll tackle some of the tough financial situations that loved ones face. We’ll equip you with […]

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What Parents Need to Know About Student Loans

Sending a child off to college is a proud moment for any parent. But today’s college education comes with a hefty price tag. For many families, student loans are the only way to pay for higher education. And for parents, a lot has changed in the world of student loans since they were in school. […]

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Assessing Next Steps in Debt Relief

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