Category Archives for "How to Get Out of Debt"

3 Surprising Steps to Getting Out of Debt

Originally posted on the Christian Post on February 24.   Dear Chuck, Credit cards are killing me, and it feels like getting a handle on money is some kind of 12-step program. Where do I begin? Feeling Overwhelmed. Dear Overwhelmed, Well, I have some good news and bad news. The good news is that it’s […]

Can You Pay for Unexpected Expenses Without Debt?

Jill Cornfield at Bankrate.com says the most common surprise expenses are related to vehicles, appliances, home-repairs, injury or illness. Unfortunately, nearly 6 in 10 Americans don’t have enough savings to cover an unexpected bill of $500. This is a problem across our nation. When people pay with a credit card, the original expense can grow […]

Church vs. Credit Cards

Originally posted on the Christian Post on February 3.   Dear Chuck, I need some help. I am a 50 year-old widow with a teenager at home, and I’m using credit cards to survive, drowning in late fees. I am over extended and miserable. My income cannot support my obligations so I decided to find […]

1 Fun Way to Boost Your Savings

People around the world desire to save money for a variety of things like a car, college, wedding, house, vacation, adoption, or to pay off debt. Marie Franklin decided to get serious about saving. Taking the theory of paying herself first she saved every $5 bill that she encountered. And, over a period of 12 […]

3 Phases of the Debt Cycle and How to Get Out

Originally posted on the Christian Post on January 6. Dear Chuck, I read your column about making New Year’s resolutions, and I’ve made mine: Get out of debt. It’s not my first attempt, but I’m hopeful that this time I can do it. I wish I had a more creative tale of woe, but it’s basically […]

The Connection Between Shopping and Emotions

According to Heather Gilmore, a writer for The Dollar Stretcher.com, “emotions can lead to the desire to shop or, on the other hand, shopping can lead to emotions. Shopping can be prompted by sadness, grief, loss, insecurity, guilt, and excitement.” Shopping can create a pleasurable experience making people want to experience the “high” again. The after-shopping […]

How to Find Hope in Overwhelming Debt

I want to encourage you, that while it may take time, you can begin recovering today by setting a goal of getting debt free. Make up your mind that you don’t want to live like this any longer, and then follow a step-by-step plan. I’ve found in working with other people facing the same struggle, […]

Are You Stressed About Your Medical Bills?

I recently received this question: My husband and I could really, really use some financial advice. We are both in our 20’s, have a baby, and have been married for a little over 4 years. Unfortunately, we’ve acquired quite a bit of debt, mostly from medical bills because I did not have insurance. But we […]

Do You Feel Like You Are Slowing Drowning in Debt?

Originally posted at Christian Post August 12, 2016. Dear Chuck, I have a rather unique problem; I feel like I’m drowning in debt, but I’m told I’m not in deep enough to get help! I have a car payment with 14 months left. I have four credit cards that I make payments on, but I’m finding it […]

10 Ideas to Save Money and Live Better

Kendal Perez at U.S. News & World Report, reported that the average American household has more than $130,000 in debt, $15,000 of which is on credit cards. We cannot afford the stuff we insist on accumulating! Heidi Freeman, an assistant professor at the University of the Sciences in Pennsylvania, found that 90% of people who […]

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