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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

How to Avoid Subscription Overload

It starts out innocently enough. You sign up for a monthly delivery of razor blades or socks or any one of the hundreds of subscription services currently available. It’s convenient, relatively inexpensive, and it’s fun to receive something in the mail you actually want. So you try another subscription, and another, and before you know […]

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How to Help Teens Use Peer-to-Peer Payment Apps Safely

Rather than carrying cash or even using a debit card, many teens rely on peer-to-peer payment apps to conduct many of their financial transactions. These apps are convenient and easy to use, but they can also cause financial distress if something goes wrong. These tips will help you help your teen use peer-to-peer payment apps […]

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Can You Get a Loan While on a Debt Management Plan?

Participating in a debt management plan is one of the most effective ways to pay off credit card debt. It’s a straightforward process that allows consumers to pay off debt more quickly than they could do it on their own. Plus, they enjoy significant savings due to lower interest rates. Those considering a debt management […]

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How to Be Successful on a Debt Management Plan

Take Charge America has helped more than 2 million people pay off back over $6 BILLION in personal debt through debt management plans. So, we know a thing or two about what it takes to be successful on one. From following a budget to learning your personal spending triggers, there are several tried-and-true tips to […]

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Use the Holidays to Teach Kids About Money

Whether you’re a can’t-get-enough-of-Christmas person or a dedicated Festivus fan, you might be surprised to learn that the holidays are actually a perfect time to teach kids about money and personal finances. The season is full of teachable moments you can use to help kids understand the concept of wants vs. needs, how to budget, […]

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How to Enroll in a Debt Management Plan

If you have reviewed your options for debt relief and decided you’re interested in a debt management plan to pay off your credit card debt, you’re probably wondering how to get started. Fortunately, it’s a straightforward process that can have you saving money and on the road to debt freedom quickly. Here’s a look at […]

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The Pros and Cons of Debt Management Plans

Debt management plans are one of the best-kept secrets when it comes to debt relief solutions. Because these plans are offered by nonprofit credit counseling agencies, they aren’t advertised as heavily as for-profit options like debt settlement. Often, people learn about debt management plans through word-of-mouth from people they trust who have paid off their […]

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How Do You Know When It’s Time to File Bankruptcy?

Bankruptcy is one of many options available to people who are struggling financially. Whether it’s due to medical debt, credit card bills, job loss, decreased income or some combination of factors, bankruptcy can be a financial fresh start for those who really need it. But it’s also a complex legal process that should not be […]

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Life After a Debt Management Plan — What Comes Next?

Completing a debt management plan is an incredible accomplishment. It means you met your goal of paying off credit card debt and freeing yourself from the burden of monthly payments and creditor obligations. But you might be wondering what’s next. Here are the steps to take when navigating life after a debt management plan. Rework […]

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Get to Know Different Types of Savings Accounts

We all know it’s important to save money for emergencies and to put money aside for larger purchases, such as a down payment on a new car or even a home. But where should that money go? As with all financial products, consumers have many choices when it comes to where and how they store […]

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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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Arm yourself with the knowledge to create lifelong financial independence. Get tips and tools for managing debt, developing effective financial habits, budgeting to meet living expenses and saving for the future.

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