Are there debt consolidation companies for poor credit scores?
Submitted by Sara K. A Debt Management Plan (DMP) that is offered by a non-profit credit counseling agency can be an excellent tool for getting out of debt. Anyone can use these plans, whether they have poor credit or great credit. Credit cards, collections, and medical debt are eligible for these programs. How a Debt…
Read MoreSomething I ordered online was sent to the wrong address. What can I do?
I ordered stuff on Amazon and it was sent to a wrong address. I made a dispute with my bank, but they closed the dispute. They want me to pay to have this taken off my credit card statement. But I don’t believe that I owe them. What can I do? Submitted by Richie B.…
Read MoreI own a home, but I would like to move and rent out my home. What’s my best option?
I own a home that I bought only two years ago. In five years, I would like to relocate to Nevada. I’d like to rent out my existing home to have some net income, but I also would like to purchase another home in Nevada. I have no savings for a down payment for the…
Read MoreSaverPerks: Financial Coaching
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Read MoreCan I transfer my HSA to another financial institution?
I have a HSA through my company. I don’t like their services and investing options. Can I transfer some of the funds I have to a new account at another financial institution? Submitted by Sudawan K. Take a moment and pat yourself on the back for planning ahead for your medical expenses. Not everyone does,…
Read MoreHow Can I Get Started with Low-Risk Investments?
How do I begin with low risk investments? For example CD’s, money market accounts, etc. Submitted by Deirel M. First of all, way to go! Investing is all about preparing for your future and the fact that you’re clear that you want low risk is an appropriate first step. Are You Ready to Start Investing?…
Read MoreCan I file taxes if my income was only SS and SSI?
Submitted by Veronica C. Living on only social security income tells me that you are resourceful and doing a good job managing your money. (SS is the benefit that you pay into during your working years and SSI is supplemental income designed to provide additional support for specific situations.) This question is tricky because I’m…
Read MoreHow much should I save if I’m in debt?
How much should I save monthly if I am in debt? Or what percentage of my income should I save if I am in debt? Submitted by LaTisha V. When we have debt, our priorities can change completely. To start, we have to remember that not paying our debt will negatively impact our credit history…
Read MoreHow should I pay off medical debt that’s been sent to a collection agency?
“My debt from an unpaid urgent care bill has been sent to a collection agency. What is the best way to go about paying off this debt?” Submitted by Jessica J. Medical debt is a huge financial stressors for many people. Taking action early is the best way to get it under control. Double-check your…
Read MoreFixing Credit to Buy a Home: Credit repair tips and guide
My husband and I want to buy a house for first-time buyers. How can we fix our credit? Submitted by Ferlenzia M. Owning a home is a dream that many people have. To make that dream a reality, most people get a mortgage loan. To qualify for that type of loan, you need steady income,…
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