Blog

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.

I’m seeking guidance on...

The Latest Financial Guidance

multiracial families enjoy a picnic as a summer activity

Save Money on Summer Activities and Entertainment

Many of us spend more money during the summer because we’re surrounded by more temptations. Too hot? Head to the cool movie theater. Kids bored? Head to a theme park. To help you save more money, we’ve compiled some cost-conscious tips and affordable alternatives to popular summer entertainment and activities: Pick a Picnic “Eating out” doesn’t […]

advanced online banking is one of the differences between banks and credit unions

Internet Banking: Is it a Good Deal?

Banks and other depository institutions by the busload are going online with their services. Not long ago the federal banking agencies estimated that more than 3500 depository institutions have active web sites. Most of these sites are informational only. They tell you what services the bank offers, where its facilities are located, and how you […]

Review this identity theft protection checklist

Identity Theft Prevention Checklist

The Federal Trade Commission (FTC) estimates that as many as 9 million Americans have their identities stolen each year. Identity thieves use consumers’ information to commit fraud, theft or other crimes. It can destroy a person’s credit and ruin their good name. It can also cost a lot of time and money to fix. Skilled […]

yellow house with large tree fallen on the roof

How to Save Money on Homeowners Insurance

Homeowners insurance may seem complicated, especially for a first-time homebuyer. You’ve committed a sizeable portion of your income to your monthly mortgage, and now you have to set aside money for insurance, too. In addition to monthly premiums, many homeowners find the application process difficult. They must take stock of their belongings and answer an […]

Stack of bills stamped overdue and final notice

The High Stakes of High-Cost Lending

Check-cashing and title loan companies continue to be a fast-growing area of the financial services industry. These lenders often appeal to individuals and families whose monthly budget comes up short and have low credit ratings, which leaves them few choices when it comes to borrowing cash to make ends meet. Payday Loans Payday lenders typically […]

diverse group of kids wearing backpacks celebrating back to school season

Back to School, Back on Budget

Many parents are filled with mixed emotions as “back to school” season comes around each year. They’re excited for their kids to venture outside of the house and hit the books, yet they’re fearful of the costs associated with it. Books, backpacks, supplies, clothes, extracurricular activities, tuition … the list goes on and on. It’s […]

to rent or buy written on a clear message board

To Rent or Buy or a Home? 4 Factors You Need to Consider

To rent or to buy? It’s a question most consumers ponder at one time or another, yet the correct answer varies as much as individual life circumstances do. While your financial state is a major factor, it’s not the only factor you need to consider. Let’s take a look at the big picture: Financial […]

Woman using scissors as she's closing a credit card

What to Know Before Closing a Credit Card

If you’re thinking about closing a credit card, there are some things to consider before making the call. The desire to close a card once it’s paid off is understandable, but doing so actually has the potential to harm your credit score, rather than help it. Closing a credit card can reduce your credit utilization […]

AC repair man working on an estimate with a home warranty

Tips for Evaluating a Home Warranty Policy

When you purchase a home – whether or not it’s brand new – you will likely be offered a home warranty, but what does it cover, and is it a worthwhile expense? What is a home warranty? It’s a form of insurance that offers discounted repair services or replacement of your home’s appliances and major […]

renters insurance policy on a table with pen and keys

Do You Need Renters Insurance?

For many folks renting housing, renters insurance is simply not on the radar. They assume their landlord will manage any issue with their apartment or rental. It’s common to think if the air conditioning goes out, my landlord will fix it. If there’s a fire in the building, the landlord will reimburse the cost of […]

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.

Get started online now

Available 24/7
Save your progress and return later
Easy process with clear instructions
Download credit report summary, action plan and budget

Start My Credit Counseling Session

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.

two women reviewing financial information

Explore Free Financial Resources

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.

Explore Budget Tools