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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

The Latest Financial Scams Targeting Seniors

As technology continues to evolve and information flows at an ever-faster pace, new financial scams pop up practically every day. Unfortunately, senior citizens are often the target of these scams, because criminals assume they have healthy retirement savings to tap into. But, low-income seniors are often targeted as well, with even more devastating results. Here […]

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Get Smart! 5 Ways to Save on College Textbooks

When planning your back-to-college budget, it’s important to include textbooks in the mix. That’s because the College Board estimates the cost of a year’s worth of textbooks to be nearly $1,200 per student — quite a chunk of change on top of tuition, room and board, food and other necessities. The good news is there […]

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No More Boring Budgets! 5 Ways to Make it Fun.

For many people, the word ‘budget’ makes them cringe. It conjures up images of penny-pinching, self-denial and not having any fun. But budgeting doesn’t have to be a boring chore. In fact, it shouldn’t be! Planning and managing a budget should actually be something you look forward to doing, because it can help you reach […]

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Beyond Babysitting – 5 Small Businesses for Kids

Kids of all ages love to earn and spend their own money. And now, there are more ways than ever for budding young entrepreneurs to make their mark that go beyond babysitting or mowing lawns (those are both still great, though). Whether it’s just for the summer or something they plan to do year ‘round, […]

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Pros & Cons of Working in the Sharing Economy

If you’ve ever used an Uber, stayed in an Airbnb rental or had Task Rabbit pick up your dry cleaning, you’ve participated in the sharing economy. Also referred to as the peer economy, or gig economy, it’s a rapidly evolving business model that connects consumers with service providers, usually through the use of a cellphone […]

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Life After Debt: Money Moves to Make When You Become Debt Free

When you’re focused on the goal of getting out of debt, it’s easy to get caught up in the process and not think beyond achieving that goal. But the fact is, if you are consistent and committed to paying off your debt, it will happen. So what do you do then? If you don’t have […]

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5 Ways to Save on Funeral Costs

It’s not something anyone likes to think about, but at some point we will all be responsible for planning a funeral or memorial service for a loved one. Surprisingly, the average cost of a traditional funeral (which includes funeral home services, cemetery burial and headstone) in the U.S. ranges from $7-10-thousand dollars; an amount that […]

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5 Ways to Save Money in the Airport

If you’re traveling any time soon, employee shortages, longer lines, and flight delays, mean you may actually end up spending more time in the airport than on your flight. If you don’t prepare for delays or layovers, you’ll find yourself paying high airport prices for drinks, snacks and entertainment. Here are five ways you can […]

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Stay Away from these High-Interest Loans

Consumer with no credit or poor credit have few options available when they need to borrow money. Certain types of lenders step in to fill this void with high-interest loans that can seem manageable at first, but quickly spiral out of control as the reality of sky-high interest rates create balances that are difficult — […]

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Shop and Save with Summer Best Buys

Part of being a smart shopper is knowing what time of year you can get the best bargains. The summer months of June, July and August bring with them plenty of great deals if you know where to look. Remember however, that unless you actually need something, you’re not really saving money if you buy […]

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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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