One of the most difficult parts of sticking to any household budget is knowing how much money to allocate to energy bills as they can fluctuate wildly during different seasons. While it can be difficult to know how cold the weather will turn and for how long, there are many tips to make sure that …

Budget Alternatives to Traditional Valentine’s Day Gifts and Events Celebrating Valentine’s Day is important to many people. Companies and advertising can entice you to spend liberally on expensive diamond gifts and extravagant dinners out at upscale restaurants. Having a budget and sticking to it doesn’t mean you have to skip out on a meaningful holiday …

Affordable Ways to Enjoy Winter Activities with Your Family Winter can be cold and dreary, but beating the winter blues and having winter fun doesn’t have to be an expensive endeavor. Many great outdoor winter activities are free, but if activities outside in frigid temperatures are not your thing, there are plenty of indoor activities …

  The holiday season is a festive time of year filled with valuable family time and an endless supply of unforgettable memories. For many, these feelings of seasonal happiness may have caused you to lose control of your holiday spending. There is nothing to be embarrassed about; you’re not the only one. Many Americans struggle …

  Note: CreditGUARD doesn’t support the use of cryptocurrency. To that end, we believe our readers and clients should be educated about all manner of financial issues including the current trends in digital forms of currency. CreditGUARD only recommends the use of FDIC-secured U.S. legal tender. Over the past ten years, the rise of cryptocurrency …

  Living with debt is a juggling act. You are asked to make large debt payments every month on top of your regular living expenses— like food, childcare, gas, and utilities. This is a disastrous recipe for missed payments. As months go by without decisive action, an adverse effect on your credit score can occur. …

Living with extreme debt is an all-encompassing experience. It can feel like there is never rest from your ballooning financial obligation. Every hour is filled with dread as your owed accumulated amount grows. It’s not uncommon to have difficult feelings during this time. Things are not made more comfortable with the introduction of collection agency …

At the start of every new year, many make resolutions to better themselves in the upcoming twelve months. A favorite new year’s goal for those living with debt is to transform their financial situation for the better. The goal is admirable in theory but difficult in practice. One of the hardest parts is understanding where …

Between attractive credit card offers and quick financial fixes, anyone can easily find themselves under a sea of debt. If you find yourself struggling under high monthly payments and harassing calls from credit collection agencies, know you’re not alone. Northwestern Mutual’s 2018 Planning & Progress Study reports that the average American has $38,000 in personal …

There are times in life when a loan is necessary. Buying a new car or a house does this thing that makes getting a loan essential. The first step in knowing if a loan is right for you is to make sure that you have a solid grasp of where your finances are before you …