The Value of Credit Counseling in Everyday Life
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Infographic: Causes of Debt

Infographic: Causes of Debt | The Value of Credit Counseling in Everyday Life | Scoop.it

When people think of debt, they most often think of credit card debt. However, a significant amount of people’s financial worries actually come from some slightly more unexpected causes. Currently, some of the largest contributors to debt are medical bills, divorce fees and settlements, and student loans. Below is a breakdown of how all of these expenses can drain a person’s income and sink them in debt. For more information about different kinds of debt or for help eliminating your debt, contact an Advantage CCS Financial Advisor.

 

 

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Early Warning Signs of Future Financial Trouble

Early Warning Signs of Future Financial Trouble | The Value of Credit Counseling in Everyday Life | Scoop.it

There are some people out there who don’t realize that they are one “life changing” event away from falling into debt. These people probably make more than the minimum payment on their credit cards each month. They may even have some money left over at the end of the month. They could have a nice 401k set up. But the thing that will put them over the edge is the fact that they don’t have any savings.

 

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Advantage CCS’s Online Goal Tracker Tool

Advantage CCS’s Online Goal Tracker Tool | The Value of Credit Counseling in Everyday Life | Scoop.it

Advantage Credit Counseling Service has released a new video about our free Goal Tracker tool that’s available 24/7 on www.onlinebudgetadvisor.com. We are thrilled to introduce our goal saving/tracking system through this quick demonstration.

 

 

AdvantageCCS's insight:

Advantage Credit Counseling Service has released a new video about our free Goal Tracker tool that’s available 24/7 on www.onlinebudgetadvisor.com. We are thrilled to introduce our goal saving/tracking system through this quick demonstration.

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7 Ways to Stop Impulse Buying

7 Ways to Stop Impulse Buying | The Value of Credit Counseling in Everyday Life | Scoop.it

Impulse buying can be a very dangerous compulsion. It involves spending money on unnecessary items immediately. There is NO prior planning beforehand, no long or hard thoughts put into the decision. The common theory is that consumers only purchase small items on impulse such as candy, magazines, or snacks.

 

 

AdvantageCCS's insight:

Impulse buying can be a very dangerous compulsion. It involves spending money on unnecessary items immediately. There is NO prior planning beforehand, no long or hard thoughts put into the decision. The common theory is that consumers only purchase small items on impulse such as candy, magazines, or snacks.

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The Value of Credit Counseling in Everyday Life

The Value of Credit Counseling in Everyday Life | The Value of Credit Counseling in Everyday Life | Scoop.it

Credit counseling is often an overlooked free financial tool in our busy everyday lives. We need good credit for everything these days as we transition to less and less cash in our lives. The truth is good credit is not only for financing, but it’s also essential in setting up utilities, getting a cellular phone, or even landing a job.

 

 

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Survey Shows that Only Half of Americans Have a Savings Plan

Survey Shows that Only Half of Americans Have a Savings Plan | The Value of Credit Counseling in Everyday Life | Scoop.it

A survey we conducted showed that 51% of Americans across the country have a savings plan versus 49% who do not. Although average responses were almost evenly divided, age played a major factor in whether an individual had a savings plan. Only 33.3% of those aged 18-24 had a savings plan. The other age groups hovered in the 50s on the percentile range with the highest group (25-34 years) at 57.1% and the lowest group (45-54 years) at 50.3%.

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New Hampshire residents have a new choice in debt relief

New Hampshire residents have a new choice in debt relief | The Value of Credit Counseling in Everyday Life | Scoop.it

Advantage Credit Counseling Service has recently been licensed and approved to provide their expert free credit counseling and debt management program to consumers that live in the state of New Hampshire. Now that the Agency is licensed in NH, they only have 4 more states to go before they are licensed in all 50 states for credit counseling.

 

 

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Advantage CSS making Illinois Residents Financially Responsible

Advantage CSS making Illinois Residents Financially Responsible | The Value of Credit Counseling in Everyday Life | Scoop.it

Consumer Credit Counseling provides education and advice to individuals on  how to avoid incurring more unsecured debt, like with credit cards. They offer  sessions on credit education and reviews the psychology of the consumer’s spending habits.

 

 

AdvantageCCS's insight:

Consumer Credit Counseling provides education and advice to individuals on  how to avoid incurring more unsecured debt, like with credit cards. They offer  sessions on credit education and reviews the psychology of the consumer’s spending habits.

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Debt Management – Dos and Don’ts

Debt Management – Dos and Don’ts | The Value of Credit Counseling in Everyday Life | Scoop.it

Debt can mount up fast, sometimes catching us off guard. However, there are some Dos and Don’ts on debt management that will help you manage your debt more effectively.

 

 

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