Nonprofit Credit Counseling is an Ideal Choice for Those in Debt

Credit Counseling

Are you a good candidate for nonprofit credit counseling? What are the advantages of choosing a nonprofit counselor over a for-profit service? These, along with several other questions, will be answered in this comprehensive guide to choosing a credit counseling service when you are in debt.

The first thing to be aware of is the fact that you are most certainly not alone. Like you, millions of Americans suffer from overwhelming amounts of debt without knowing how to handle it. Managing debt can seem easier, though, when you know where to look for help. This is where consumer credit counseling services come into play.

How to Find a Good Credit Counselor

It is important to know what exactly to look for in your search for a counselor, so you have the best chance of paying down your debt successfully. One factor to look at is the track record of the company. A good service is going to have proof of their success with former and current clients. If you come across a company that doesn’t offer any kind of valid testimonials or statistics regarding their performance, it’s time to continue your search.

Another aspect of good credit counseling is accessibility. Service providers should be easily accessible to their clients. In other words, you want the comfort of knowing you can pick up the phone or even log on onto a website to get in touch with your credit counselor. They should be within an arm’s reach in case you have any questions or concerns about the counseling process, your payment terms, or anything else relevant to your debt.

Quality counseling involves a solid plan for managing debt that is reasonable and easy to understand. You want to be working with people who are willing to explain your management plan and help you stay on track. Look for a counselor that does not promise to solve your problems in 15 minutes, but rather promises to discuss your situation over a session or two. It takes time to develop a truly comprehensive, smart plan for managing your financial burdens. Continue reading “Nonprofit Credit Counseling is an Ideal Choice for Those in Debt”

What are the Best Ways to Save Money on Car Rentals?

Car rentals are one of those services that can really rip you off for a lot of money if you don’t know what you’re doing. On the other hand, if you do know what you’re doing, it’s not difficult to save a lot of money – As much as 35% even.

How do you save money on car rentals? Here are a few of the best ways.

Rent at Off-Airport Sites

Renting at an airport is going to cost you an arm and a leg. Sure, the car rental company might raise the price by 25% – But the real costs actually come from the state and from taxes. When you rent from an airport site, you’re going to pay a ton more fees than if you rented from an off-airport site.

If you’re just renting for a day or two, the extra fees might not bother you. If you’re renting for a week, however, it’s often worth taking a cab or a bus to a nearby off-airport rental site to rent your car.

You Can Still Drop Off

Keep in mind that even if you rent at an off-airport site, you can still drop your car off at the airport for no added cost. This is true of most big chains like Hertz or Avis.

Factor in Parking

A lot of people forget to factor in the cost of parking when they rent. The cost of parking in most hotels can be as much as $10 to $20 a night, substantially adding to your rental costs. If you’re not using your car every day, often the parking fees make it worthwhile to rent only on the days when you really need your car. Continue reading “What are the Best Ways to Save Money on Car Rentals?”

Improving Your Credit Score: Are You in Financial Trouble?

If you have more bills than you do money to pay them, and you are being harassed by calls from collection agencies, it’s pretty obvious that you are in financial trouble. These types of problems don’t appear overnight, however, and it’s important to recognize the signs that you might be in financial trouble. This can help you avoid issues such as facing foreclosure or bankruptcy.

Continue reading “Improving Your Credit Score: Are You in Financial Trouble?”

Can Credit Counseling Help Prevent Foreclosure?

The process of foreclosure is a downward spiral. It starts with a loan that might be a little more than you can comfortably afford. Then something happens – Your income drops, your interest rate goes up, you lose a big client – Then all of a sudden the snowball starts rolling. Pretty soon you’re far behind on payments and you’re staring at the possibility of foreclosure.

Continue reading “Can Credit Counseling Help Prevent Foreclosure?”

5 Financial Tips While Starting Your Career

Starting a career comes with a certain thrill and nervousness most people are not prepared to handle. A new career brings with it a professional and life-enhancing flexibility or other benefits. It could also strain your finances if you are not well prepared. Outlined below are tips to help you safely navigate the turbulent and tricky waters of a new career.

Continue reading “5 Financial Tips While Starting Your Career”