By Denise Keiser AFC®, Counseling Programs Manager
“Too many people spend money they haven’t earned, to buy things they don’t want, to impress people that they don’t like,” — Will Rogers. In the spirit of garnering helpful advice from one of the wittiest performers in history, let’s review how money and debt shape today’s credit scores.
By Shellye Carpenter, CCUFC, Director of Partner Relations
As we all navigate through the “Great Resignation” and the changes taking place in the workforce, one thing employers should keep in mind is: for all the talk about rising wages and workers being able to “name their price,” many workers are still struggling financially. This leads to…
By Cynthia Campbell, MBA, MEd, Chief Experience Officer
If you are wondering what your members may need right now, I would suggest they need understanding and creative solutions. Recently, I have had conversations with two people who called BALANCE wanting financial counseling. They both had a gap that needed…
By: Shelly Weber, Certified HUD Housing Counseling and Financial Coach
We have often heard it said, “Do not neglect contributing to our employer’s sponsored retirement plan”…. Perhaps, taking advantage of an employer’s retirement savings should come with a warning sign: “Do not contribute until you are financially prepared.” This may sound counterintuitive, but let me explain.
By: Meaghan Hiller, AFC®, Director of Financial Education
I was not always an expert in personal financial management. Years ago, like many other 18-year-olds, I stumbled into the credit card trap and fell…hard. I was finishing up my freshman year in college when I maxed out my first credit card, which was soon…