Our Most Recent Articles

Senior couple discussing using their retirement to pay off debt

Using Retirement Funds to Pay Off Debt

By Michael Knisley | September 21, 2023

You’ve probably been putting money into your retirement fund ever since you started earning a regular income. Maybe you’ve been doing it with direct deposits taken out of every paycheck.…

Lowering the air conditioning thermostat

How to Save Money on Air Conditioning

By Alan Schmadtke | September 21, 2023

For most Americans, cooling off on a hot summer day is as simple as flipping a switch or adjusting the thermostat. According to data from the 2020 Residential Energy Consumption…

Man holding a light bulb with his savings stacked on a desk

Winter Energy Saving Tips

By Pat McManamon | September 14, 2023

Contrary to conventional wisdom, it is possible to save money on winter heating bills while sitting comfortably in the home. The two tenets – savings and comfort — are not…

InCharge Volunteer Program

By Max Fay | September 14, 2023

InCharge Volunteer Program

Debt settlement document

Debt Settlement Fees

By Sarah Brady | September 8, 2023

One of the main reasons people consider debt settlement is to save money. Ironically though, settling debt can be expensive, potentially causing your debt balances to double or even triple.…

Woman swiping her credit card at the store

What Happens If You Go Over Your Credit Limit?

By Sarah Brady | September 1, 2023

Credit card balances hit record highs in late 2022. If you’re one of the many people whose credit card balance has increased lately, you probably know there are uncomfortable consequences.…

Woman reviewing tax statement after settling her debt

Debt Settlement Taxes

By Alan Schmadtke | August 25, 2023

Debt settlement sounds like an attractive solution to a serious financial problem, but in addition to being difficult to negotiate, debt settlement often comes with another complication — taxes. All…

Borrower seeing debt settlement listed on his credit report

How Does Debt Settlement Affect Your Credit?

By Sarah Brady | August 16, 2023

Debt settlement can have a negative effect on your credit. How bad will it be? It’s impossible to predict the exact number of points you’ll lose, or when you’ll be…

Two individuals negotiating credit card debt at a table

How To Negotiate With Debt Collectors

By Robert Shaw | August 10, 2023

Most people know when they have fallen behind on debts, so it’s seldom a surprise when the phone rings and it’s a collection agency on the other end of the…

key inside lock of new house

Buying A House After Debt Settlement

By Sarah Brady | August 10, 2023

Owning a home is a big part of the American dream, but for many would-be home buyers, a mountain of debt is standing in the way. How you deal with…