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In times of struggle and financial hardship, you are looking for options to help keep you afloat. Perhaps you’re falling behind, or you are trying to juggle other debts you owe. Maybe your employer cut back on overtime opportunities, which provided you with much of the extra income you needed to cover certain expenses. Regardless […]

Consumer Credit Counseling Service of Rochester has organized a free virtual training on Thursday, October 13th, 2022, to help organizations (employers, community agencies, financial institutions, local government, etc.) incorporate and/or offer Financial Wellness programs within their organization. The training will cover specific strategies along with testimonials from representatives of organizations who have leveraged these strategies

While you may have put the kibosh on spending now that the largest shopping season of the year has come to an end, the gift-buying damage is already done.  If getting into a better financial situation is one of your New Year’s resolutions, you’re one of the 66% of Americans planning to make a financial resolution for

Pursuing higher education and attaining a degree is something no one can ever take away from you. But it might be hard to look on the bright side when you’re saddled with thousands of dollars in student debt. In efforts to alleviate the burden, President Joe Biden launched a new student loan plan that would

If you’re like one of the many American households struggling with debt, you might want to consider credit counseling. Credit counseling organizations are typically nonprofit groups that offer counseling with certified counselors who can help you budget your finances better, as well as provide education on managing your finances. To get a good idea of

Leaning on credit cards can be helpful when there’s an emergency or you don’t want to worry about your bank balance at the grocery store, but the usefulness wears off once they’re maxed out. And then you’re left with no emergency credit—and additional debt.  While there are tools and methods you can implement into your

  Even with the best of intentions, it can be hard to avoid holiday debt. According to a recent Lending Tree survey, 36% of people in the U.S. took on holiday debt this season, with 89% using credit cards or store cards to make purchases. With interest rates currently at 20.30%, paying down debt can