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Do You Know The Real Cost Of Debt?

There's how much debt you have, and there's the real cost of debt. Do you know the real cost of debt? Or, more specifically, do you know what it costs to be in debt? Most people can’t answer this question accurately. You may think you know how much your debt…

Consumer First FinancialAugust 31, 2020

Consumer Credit Credit Cards Credit Score Debt Relief Programs Financial Advice Financial Tips Personal Finance

How do you stack up to the average credit card debt?

What is credit card debt? Americans have several different types of debt, beyond credit card debt, which includes mortgages, auto loans, and student loans. All are totaling up to an average debt per household of $132,529. Besides standard credit card debt, like an everyday credit card, consumer finance accounts also…

Consumer First FinancialAugust 24, 2020

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What Does it Really Mean to Be Debt Free?

Being debt free doesn’t always mean having no debt. For most of us, debt is inescapable. It’s the sole reason why we can move into the house of our dreams, or rev up the operations of our own business. However, debt is often an angel in disguise; it can provide…

Consumer First FinancialMay 11, 2020

Consumer Credit Credit Cards Credit Score Debt Relief Programs Financial Advice Financial Tips Personal Finance Unsecured Debt

Americans Have Credit Card Debt. A Lot of It.

American’s Average Credit Card Debt: How Do You Measure Up? Despite minor growth in household income levels over the past few years, Americans are still largely burdened by consumer debt. This is by and large due to student loans, mortgage and of course, credit card debt. According to the Wall…

Consumer First FinancialApril 24, 2020

Budget Credit Cards Debt Relief Programs Debt Settlement Financial Advice Personal Finance Retirement

How Does Debt Fit into Your Retirement Planning?

I wish I spent more time retirement planning: An all too common wish. Regardless where you live or what work you engage in, you always have a plan to successfully retire with the means to satisfy your needs and wants. Perhaps go on a tour across Europe or Africa, or…

Consumer First FinancialApril 3, 2020

Credit Cards Credit Score Debt Relief Programs Debt Settlement Financial Tips Get Out of Debt Personal Finance Unsecured Debt

Making minimum payments on your credit card is like treading water.

The Real Cost of Making Minimum Payments on Your Credit Cards Like any rational consumer, minimizing loss and maximizing gains is the ultimate goal for your finances. A credit card can easily give you a false sense of security, emboldening you to spend when you should be saving. A creditor…

Consumer First FinancialMarch 10, 2020

Consumer Credit Credit Cards Financial Advice Financial Tips Money Management Personal Finance Taxes

Worried about taxes on your settled debt? You may not need to.

In this article from Creditcards.com - a little known tax exemption is discussed. This exemption is for people that have had debt cancelled, or settled. The IRS considers this cancelled debt "income" for the consumer, and requires you to pay taxes on it. What most consumers don't know is that…

Consumer First FinancialFebruary 19, 2020

Bankruptcy Consumer Credit Credit Cards Debt Relief Programs Debt Settlement Financial Advice Financial Tips Get Out of Debt Money Management Personal Finance

6 Ways to Eliminate Your Debt

Debt, it’s time we broke up So you want to eliminate your debt? First of all, great choice. High interest debt can drag down your finances, credit score, and overall financial health. But deciding how to pay off your debt is the first decision. The good news is you have…

Consumer First FinancialOctober 4, 2019

Mange your money with these 10 simple tips.

Budget Financial Advice Financial Tips Get Out of Debt Money Management Personal Finance Saving Money

Manage Your Money With These 10 Simple Tips.

Manage your money, before your money manages you. For many, the thought of mastering money management invokes fears of math, organization, and responsibility. When we’re children, there’s no concern about how to manage our money. But as our lives grow, so do our responsibilities. With each new year comes new…

Consumer First FinancialSeptember 16, 2019

Budget Debt Settlement Financial Advice Financial Tips Get Out of Debt Personal Finance Saving Money

Budget Building From The Ground Up.

Start With Nothing and Make It Something. Building a budget isn’t a difficult task, but adhering to one is a different story. This is especially true for people who are on a fixed or limited income. Budgeting is an art and it requires impeccable attention to detail. Your budget should…

Consumer First FinancialSeptember 5, 2019

Consumer Finance Blog

Do You Know The Real Cost Of Debt?

How do you stack up to the average credit card debt?

What Does it Really Mean to Be Debt Free?

Americans Have Credit Card Debt. A Lot of It.

How Does Debt Fit into Your Retirement Planning?

Making minimum payments on your credit card is like treading water.

Worried about taxes on your settled debt? You may not need to.

6 Ways to Eliminate Your Debt

Manage Your Money With These 10 Simple Tips.

Budget Building From The Ground Up.

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