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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

Find Free Fun at the Library

When was the last time you went to the library? If you can’t remember, it’s been too long. Your local library is loaded with free, fun things to see and do — all you need is a library card. To celebrate National Library Week, here’s a rundown of all the cool, free stuff available to […]

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The Do’s and Don’ts of Dollar Store Shopping

Dollar Stores exploded in popularity during the Great Recession and their growth shows no signs of slowing down. Two of the nation’s largest dollar store chains – Family Dollar and Dollar General – opened more than 1,000 stores across the U.S. last year.                         […]

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Save on Home Repairs with a Spring Home Checkup

A rough winter like the one most of the country just experienced can leave homes beaten, battered and vulnerable to expensive home repairs.  And while you should have emergency savings on standby to pay for such repairs, why dip into it if you don’t have to? Catching and fixing small problems before they become big […]

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5 Ways to Save on Childcare Costs

Any working parent will tell you that childcare is expensive. But even they might not realize the true cost. A recent study by Child Care Aware revealed that in 31 states, the annual cost of childcare for a child under 15 actually exceeds the cost of yearly in-state tuition and fees at the states’ public […]

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5 Little-known Facts About Credit Cards

Living a cash-only lifestyle is one of the best ways to avoid overspending and staying out of debt. But to do things such as purchasing airline tickets or renting a car, having at least one credit card is almost a necessity. Plus, using a credit card responsibly can help build a positive credit history. But […]

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Tips for Using Credit Cards Wisely

There’s a lot of conflicting advice on using credit cards wisely. Some experts warn that cutting up cards and using cash for every purchase is the only sure path to financial well-being, while others suggest healthy credit card use is necessary for building a good credit score. Here are 13 must-do tips for using credit […]

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Turned Down for a Mortgage? Prepare to Apply Again.

More prospective homebuyers are eager to enter the market as the economy improves. Many borrowers find it difficult to navigate stricter lending requirements and successfully reapply for a loan after being turned down for a mortgage. If you’ve been turned down for a mortgage and want to know how to prepare to apply again, start […]

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Stock Your Pantry to Save Money on Food

March is National Nutrition Month, which makes it the perfect time to talk about eating well on a budget. There’s a persistent myth that healthful eating is too expensive or time-consuming. Many assume a quick stop at the drive-thru for selections from the “dollar menu” is an easy to way to save money on food. […]

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5 Smart Things to do with Your Tax Refund

It’s always tempting to see a tax refund as a windfall to be used for something fun and frivolous, like a shopping spree or throwing a big party. But remember, the government isn’t giving you anything that wasn’t yours all along. It’s not really ‘free’ money, so why treat it that way? Make the most of your […]

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How to Shop Smart at Warehouse Clubs

Shopping at warehouse clubs such as Costco, Sam’s Club and BJ’s can be a great way to save money. Maintaining a well-stocked pantry and keeping household basics on hand can help reduce those in-between shopping trips that end up costing more than you planned. But you have to shop warehouse clubs wisely. If you don’t, […]

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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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