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Man with empty pockets.

Can't Afford a Debt Management Plan Payment

If you're trying to get out of credit card debt through a debt management program, your income still has to support the monthly payment to the debt management agency. Here's some advice if you can't afford the DMP payment.

Read full article, "Can't Afford a Debt Management Plan Payment".
A an emergency kit with flares, a fire extinguisher, and a first aid kit.

Disaster Emergency Kits

Are you prepared for an emergency? If so, you probably have an emergency kit full of the items that you may need. No? That's OK. We've prepared a list of items that everyone should have in their emergency preparedness kit.

Read full article, "Disaster Emergency Kits".
A road with a huge crack caused by an earthquake.

Earthquakes: How to Be Prepared

Earthquakes are a devastating event that can't be stopped and usually come with little warning. But, there are things you can do to always be prepared in case one does happen i your area.

Read full article, "Earthquakes: How to Be Prepared".
A man pushing a large boulder up a hill.

The Effects of Financial Stress

Stress, regardless of the cause, can have serious consequences for you at work, at home, and at play. Employees cost their employers billions of dollars every year in lost time and productivity due to financial stress.

Read full article, "The Effects of Financial Stress".
A teddy bear in bed with a bandage and a thermometer.

Financial Stress and Your Health

Financial stress is stress caused by worrying about your finances and it has been blamed for a variety of health issues. Reducing your debt and being prepared for a financial crisis can alleviate some of that stress and doing so can have a positive impact on your overall health.

Read full article, "Financial Stress and Your Health".
A fireman battling a large fire.

Fires: How to be Prepared

Fires are responsible for thousands of deaths and injuries every year. If you're lucky enough to survive a fire unscathed, there are other consequences that you'll have to deal with when the smoke clears.

Read full article, "Fires: How to be Prepared".
A city street and homes buried in water caused by a flood.

Flooding: How to Be Prepared

Flooding is one of the most common natural hazards in the United States. Although flooding isn't really something that you can control, it is something that you can be better preapred for. Learn how to better prepare yourself for a flood, especially if you live in flood zones, and what to do if a flood does occur.

Read full article, "Flooding: How to Be Prepared".
A depressed man sitting on steps.

How to Avoid Making Financial Mistakes

There are a number of common financial mistakes that are easy enough to avoid, but can be devastating to our financial futire if not corrected. We've outlined our top 5 avoidable financial mistakes.

Read full article, "How to Avoid Making Financial Mistakes".
A palm tree nearly blowing over from a hurricane.

Hurricanes: How to be Prepared

Not all areas of the United States are at risk for hurricanes since they are considered a "coastal storm". But even if you don't live on or near a coastline, the damage from these storms can reach further inland than you'd think. The one saving grace about a hurricane is that it is somewhat predictable and people usually have time to prepare.

Read full article, "Hurricanes: How to be Prepared".
A masked burglar breaking into a home.

How to Minimize Loss from a Burglary

Most people think that a burglary will never happen to them. Yet, every year, around 2 million burlaries occur in the Unites States. We've outlines some simple steps you can take to minimize your losses if a burglary does happen to you.

Read full article, "How to Minimize Loss from a Burglary".
A 3d graphic of a line graph crashing into the ground with INCOME written on it, illustrating a reduction income.

Layoffs and Income Reductions

What would happen to you and your family if you were unexpectedly laid off from your job? Have you built enough savings to get you through this time until you find a new job? Besides gaining new employment, there are other things you'll need to consider to be prepared for a reduction in income.

Read full article, "Layoffs and Income Reductions".
Two piggy banks on a see-saw illustrating uneven income.

Living With Uneven Income

Having "uneven income" means that your income fluctuates every month. This usually occurs with seasonal employees, temporary workers, or people who work on commission. It can be very difficult to budget when you don't know what your income will be each month. We've got some budgeting tips that could help those of you with uneven income.

Read full article, "Living With Uneven Income".
A 3d graph showing a decrease in income.

Loss of Income Due to Death or Divorce

Most families today survive on two incomes with both spouses usually working full-time jobs to support the family. But what if one of those income sources was no longer available? Could your family still afford to keep up with your current lifestyle?

Read full article, "Loss of Income Due to Death or Divorce".
A middle-aged man on his computer with smoke coming from his ears.

Signs You Might Be Financially Overwhelmed

If you're only able to afford the minimum monthly payment on your credit cards every month, or if you're barely able to pay your mortgage and simply can't build savings no matter how hard you try, you might be financially overwhelmed. If so, there are things you can do to turn your financial life around.

Read full article, "Signs You Might Be Financially Overwhelmed".
A huge tornado sweeping across the plains.

Tornados: How to be Prepared

For many of us, tornados are something that happens only in certain areas of the country. But, here in Massachusetts - an area that you'd never expect a tornado to occur - was hit hard by an F3 tornado in 2011 that devasted the area. We were not prepared. Are you?

Read full article, "Tornados: How to be Prepared".
Image of a man writing the words PAYDAY LOAN on the screen.

Truth About Payday Loans

Many people whoa re in need of money immediately turn to payday loans as a quick remedy. But these types of loans can carry annual percentage rates of 300% and more! Learn why you should do your research before considering a payday loan.

Read full article, "Truth About Payday Loans".
Image of a young couple discussing finances.

Unemployed Spouse

Most families rely on both spouses working to support the family. But what if you or your spouse loses their job unexpectedly. If this happens, it's important that you work together to keep your family on-track and even more important that you're prepared for such a situation before it happens.

Read full article, "Unemployed Spouse".
Image of a debt settlement contract stamped APPROVED.

What is Debt Settlement?

There are many debt relief options available to consumers who are struggling to get their debts under control. One of these options is debt settlement. Many believe that debt settlement and debt management are the same, but the only thing that they have in common is the word "debt". Learn more about the pros and cons of debt settlement.

Read full article, "What is Debt Settlement?".
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