Financial counseling is assisting clients in the development and creative use of all their resources to achieve economic financial security or well-being by generating alternatives from which the client chooses. Ultimately the client is assisted to improve quality of life with less wasteful resources. The processes are: (more…)

Paying cash means making some lifestyle sacrifices. However it has a concrete financial benefit: It will keep you from drowning in a sea of red ink on your voyage to the new economic world. But it also has an added emotional benefit: It adds meaning and value to the things you do buy. (more…)

Renting a home or apartment is an issue of broad interest. That’s because, whether you’re still in school or not long removed, chances are fairly good that you’re renting, are thinking about renting, or, at the very least, are giving some thought to changing a renting arrangement. Obviously, this article can’t go into the particulars of all sorts of rental situations if nothing else, market conditions are drastically different across the country but we can touch on some major points to help with your rent (more…)

Ever seen something nice through the window of your favorite clothing store or dreamed of getting that new set of HDTV. This need and craving for luxury items often motivates individuals to work harder and harder in order to earn the necessary income and credit to buy these things. Now, everyone can further maximize this by availing low credit card interest rates. (more…)

Ohio bankruptcy laws may differ from other states in terms of residential property exemptions, personal property exemptions and exemptible wages. Before you seek out your free bankruptcy form, you’ll need to know which type of bankruptcy you’re eligible for under state law (either Chapter 7 or Chapter 13). Many people hire legal professionals to help explain the technicalities of the local system, but here are some guidelines to give you a general understanding of Ohio law. (more…)

So you just graduated from college and landed your first full time job. Congratulations! It requires that you travel so being the financially savvy consumer that you are, you compare the frequent flyer rewards cards on the market. (more…)

When you loan money or charge an item to a credit card, you are using cash loan or credit. Credit is an arrangement to receive cash, goods, or services now and pay for them in the future. Consumer credit is the use of credit for personal needs. It is also an indicator of consumer spending and demand. A common form of consumer credit loan is a credit card account issued by a financial institution. (more…)