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Debt & Finance Blog

Home Mortgage Loans

What Affects Your Ability to Get a Loan?

By Joey Johnston | October 26, 2016

If you plan to borrow money, it’s a good idea to begin by knowing your credit score. And despite what your friends might tell you, this is only a starting…

Credit Card Myths and Facts

Six Credit Card Myths Debunked

By Joey Johnston | October 24, 2016

Ric Edelman, a financial adviser who is a best-selling author and syndicated radio show host, remembers the days when everyone rushed to the bank on a Friday afternoon to cash…

Personal Financial Calendar 2017

Your Personal Financial Calendar for 2017

By Joey Johnston | October 21, 2016

Have you ever wondered, as you peered enviously over the hedge at the neighbor’s place, whether that shiny Beemer in the driveway and newly remodeled pool in the backyard are…

Money Secrets and Lack of Planning Harm Retirement Dreams

By Joey Johnston | October 20, 2016

By all accounts, David and Margie Stapleton did an admirable job reaching their financial goals before retirement. They have a minimal home mortgage and moderately low debt. Their three children…

flag election buttons

How a Clinton or Trump Presidency Will Impact Your Finances

By Joey Johnston | October 19, 2016

This might bore you, but the following story on the presidential election does not address beauty queens, philandering husbands or locker room talk. It does, however, address how a President…

No Credit Card Debt For Millennials

Millennials Reject Credit Cards and Credit Card Debt

By George Morris | August 30, 2016

If you want to break up the loud party that your neighbor’s millennial kid is throwing in his basement bedroom, don’t call the cops. Just barge over and pass out…

young man paying bills at desk

FINRA Study Shows Growth In Financial Capability

By Joey Johnston | July 28, 2016

Nearly one-third of American consumers find it easier to pay their bills, have more opportunities to save money for the future and more confidence in their overall financial situation. That…

How I became a credit counselor

How I Became a Credit Counselor

By George Morris | June 30, 2016

Anouska Livingston was pregnant, unemployed, in debt and stressed out. The last thing she needed was to go in a store and see what diapers cost. “How am I going…

Get out of debt and become debt free

How To Become Debt Free

By George Morris | May 12, 2016

Here’s the easiest quiz you’ll ever take: Would you like to sleep better, have a happy marriage, improve your health, have more confidence and be able to help your family…

6 months zero percent interest

The Truth About Zero Interest Credit

By George Morris | March 17, 2016

You’ve seen the signs at retailers: No interest for six months, 1 year or longer. Typically zero interest credit opportunities are tied to the purchase of big-ticket electronics and furniture:…


  1. (2016, July 16) Factors that Affect Loan Application. Retrieved from:
  2. ND. Ten Key Factors When Applying for a Mortgage Loan. Retrieved from: