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January 2020


Learn how to make smarter choices with your money.


4 Common Financial Goals - How to Make Them SMART & Be Successful

Here are 4 of the most common financial goals we hear and what you can do to make them SMART (Specific, Measurable, Attainable, Realistic, and Timely). A goal that is specific becomes measurable. Once it’s measurable, you can ensure it’s attainable and realistic. Finally, when a goal is timely you give yourself enough time to achieve it. Learn how to make SMART goals to pay off debt, save money, improve your credit score, and learn how to budget money.



How Much Debt is Too Much?

Guidelines for Managing Debt

Do you want to have a new car, a new home, luxury vacations, a great wardrobe, a big screen TV and maybe some nice toys or expensive jewelry? Who doesn't? There's nothing wrong with having these things if you can afford them, but what does being able to "afford" the payments really mean?
It can be hard to tell when you’re in over your head. Here are 3 ways to tell if you're close to being maxed out or to being turned down the next time you apply for credit:

  1. What the banks say is too much
  2. What your budget says is too much
  3. The simplest way to see if you have too much debt

Read more . . .


13 Money Saving Tricks to Pay Off Debt Quickly

So you’re ready to charge full steam ahead at paying off your debt, doing everything you can to throw extra cash at your credit cards or loans until you’re officially debt-free. If you stay focused and plan strategically what you’re doing with your income, you can pay off debt faster. Here’s our list of key money saving tricks to use if you’re eager to attack your debts and pay off your outstanding balance.



8 Ways to Save Up a Down Payment for a Home (or Any Other Big Purchase)

There are many great ways to save for a home, so we have put together a list of what we think are the 8 best ways you can save up for a house.

Although we say that these tips are for saving for a home, many of them can be used to save up a big chunk of change for almost any purpose—a car, an RV, a vacation, paying off your debts, or saving for retirement.

Many people find that once they achieve their first goal, they keep on following these strategies to help them achieve other financial goals as well. Success breeds motivation, so here’s how to save and reach your financial goals.



Debt Solutions   |   Education   |   Financial Strategies


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Upcoming Webinars

Budgeting 101

 Jan 25, 2020

 Jan 30, 2020

 Feb 8, 2020


The Truth About Credit

 Jan 30, 2020

 Feb 4, 2020

 Mar 28, 2020


Living Well on Retirement Income

 Feb 22, 2020

 Mar 5, 2020


Death, Taxes and Beyond

 Feb 19, 2020

 Mar 14, 2020


75 Ways to Save on Household Expenses

 Feb 5, 2020

 Feb 18, 2020


Cautious Consumerism

 Feb 13, 2020

 Mar 9, 2020


Food and Finance

 Jan 25, 2020

 Feb 8, 2020


Couples and Money

 Jan 29, 2020

 Feb 20, 2020


Irregular Income

 Feb 10, 2020

 Feb 27, 2020


Vacations on a Budget

 Feb 24, 2020

 Mar 26, 2020


Raising Financially Fit Kids

 Jan 25, 2020

 Mar 30, 2020


Retire Without Debt

 Feb 22, 2020

 Mar 23, 2020


Homeownership Are You Ready?

 Mar 4, 2020


Investment Basics

 Feb 8, 2020


Side Hustle

 Feb 11, 2020


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Smart Money Tip

“The price of anything is the amount of life you exchange for it.”

— Henry Thoreau



This newsletter and are educational initiatives of the Credit Counselling Society, a non-profit service.


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