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Citizens Blog

Step 3 of 12 to Financial Wellness: Pay Down Debt

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You’ve tracked your spending, designed a budget for your monthly expenses, and you’re well on your way to financial wellness. In this next step, you’ll create a plan for paying down your existing debt.

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Step 2 of 12 to Financial Wellness: Creating a Budget

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Now that you’ve tracked your spending and kept a careful record of where your money goes over the course of a month, you’re ready to move onto the next financial wellness step: creating a budget.

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6 Ways to Boost Your Credit Score

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Credit scores are a vital part of financial wellness, but getting and keeping a high score can be tough. Here are six ways you can start boosting your credit score today.

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Beware of Debt-Collection Scams

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With the pandemic still wreaking havoc on the economy, many people are struggling to pay their monthly bills and meet their debt payments. Unfortunately, scammers are exploiting the financial downturn by tricking unsuspecting victims into paying for debts that don’t actually exist, or by using abusive tactics to collect legitimate debts.

Don’t be the next victim of a debt-collection scam. Here’s all you need to know about these scams.

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Debt Paydown: Snowball vs Avalanche Method

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Debt is the ultimate killjoy. It can destroy a budget, make long-term financial planning impossible, and shadow every purchase you make with guilt. No one wants to live with that debt burden. But how do you kiss your debt goodbye?

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Why Does My Credit Score Matter?

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Your credit score is made up of three numbers, serving as an indicator of your financial history, wellness and responsibility. These three little numbers can spell the difference between approval and rejection for a mortgage, a job, a rental unit and so much more.

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6 Ways You Can Use a Personal Loan

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A personal loan can be used for more than paying off debt. Here are 6 ways you can use a personal loan you might not have though about.

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How to Rein In Holiday Spending

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The holidays are here, and many consumers have begun their biggest spending spree of the year. If you are worried about racking up too much debt, here are a few suggestions to help you rein in your spending.

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Step 9 Toward a Debt-Free Life

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Let your debt snowball grow by packing it with all your unexpected windfalls.

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Step 8 Toward a Debt-Free Life

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Increase your income this month to help you pay down debt.

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