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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

Understanding Payroll Deductions

When was the last time you took a good look at your paycheck stub? It’s probably been a while, especially if you have direct deposit. Many companies now manage all payroll tasks electronically, which means you never see a hard check or any piece of paper with your information. And even if you do still […]

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How to Save Money During Cold and Flu Season

There are plenty of good reasons to love fall — cooler weather, fun outdoor activities and pumpkin spice everything — but there’s one thing fall brings that no one loves: cold and flu season. Coming down with a nasty bug is not anyone’s idea of a good time, and to make matters worse, being sick […]

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Top 5 Reasons People Seek Credit Counseling

Since 1987, we have helped thousands of people overcome financial challenges through Credit Counseling and other programs. As a nonprofit, we are committed to educating our clients and the general public on ways to spend less, save more and work toward becoming financially fit. Over the years, we have had clients seek Credit Counseling for […]

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5 Things to Know about a Home-based Business

Many people who are tired of the daily grind think about giving it up to start a home-based business and be their own boss. For some, it’s an ideal situation that allows more freedom, flexibility and greater earning potential. But as much as it might sound like a dream scenario, there are several things to […]

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Get Moving — How to Save When Relocating

Whether you are moving across town or across the country, relocating can be an expensive undertaking. From moving your belongings, to traveling, to setting up your new home once you get there, there are plenty of opportunities to overspend along the way. These tips will help you save when relocating.         Do […]

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Don’t Fall for Retail Spending Traps

It happens to all of us at one time or another; you go shopping for one specific item and come home with things you never planned on buying. When that happens, it’s because you fell into common retail spending traps. Stores know how to tempt you into spending more than you planned, but we’re going […]

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How to Beat the High Cost of Social Activities

As casual summer beach and backyard gatherings give way to more structured social activities in the fall and winter, you might find yourself spending more money on socializing than you have the past few months. It’s not cheap to maintain a social life, but there are ways to make sure what you do in your […]

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7 Essential Financial Skills for Young Adults

None of us were born knowing how to handle our finances. It’s a skill that has we learn over time, often with mistakes — aka, learning opportunities — along the way. But there’s no reason young people have to learn all their financial lessons the hard way. Sending them out into the world with no […]

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5 Ways to Save on Your Next New Car

If you’re thinking about purchasing a new car, you have perfect timing! August through October is a great time to buy a new vehicle because dealerships are closing out the current model year to get ready for the next. That alone is going to save you money, but there are several more things you can […]

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6 Smart Ways to Save Money on School Clothes

Back-to-school shopping isn’t just about school supplies. Purchasing new school clothes can take an even bigger bite out of the family budget. But you don’t have to go broke to make sure your kids look great for the upcoming school year. The following tips can help you save money on school clothes. Set a Budget  […]

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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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You can also call us Monday – Friday from 6 a.m. - 6 p.m. MST at 866-528-0588 to speak with a certified credit counselor.

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