Debt Management

Are you anticipating a tax refund this year? If you are expecting a refund, do you have a plan on how you will spend or save this money? An immediate response to receiving money may be thoughts of something you want to buy. Before making the decision to spend, dedicate some time to considering some...

Do you have multiple debts that need to be paid down? When it comes to paying off debt, do you have a strategy? Debt can be overwhelming and can easily get hard to manage. If you have loans you need to pay down, take some time to organize your debt and...

Borrowing money can be a big decision. Some large purchases like buying a home, a vehicle, or continuing your education may not be possible without taking on debt. Other types of borrowing may be for smaller items, like the items you purchase using a credit card or borrowing money with buy now pay...

With the start of the new year, many people set some goals or resolutions for the year. When it comes to New Year’s resolutions, do you think about your financial goals? With the recent increase in the cost of living, it may be time to consider your...

A season of gifting does not have to mean taking on debt. Do you take on debt for holiday gifting? Debt comes in many forms, such as using a credit card, borrowing money from a friend, or using a buy now pay it later service. As a previous blog post...

Does the thought of debt make you feel stressed or anxious? You are not alone if that is the case. Debt is linked to financial worry and lower life satisfaction (Tay et al., 2016). Research suggests that a lack of financial literacy is linked to higher levels of stress and anxiety (Pierce &...