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When it comes to home buying or renting, knowing the best decision for you and your family can sometimes be difficult to determine. No one has a crystal ball to predict the future regarding your job and finances. Family, emotions, and personal reasons all play a part of the decision making process. If you're renting and considering buying a house, it's wise to take a step back and evaluate what makes more sense-to rent or to buy. For help, contact the www.ccone.org or call 1-888-767-9155 for a consultation

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When you hear the word frugal, it automatically brings up negative connotations and is often mistaken for being cheap. In reality, frugalness is a traditional value, where people are careful in the expenditure of money or the use of material resources. In American culture consumers are constantly bombarded with advertising and pressured to spend, spend, spend, saving money has become a rarity. According to the Bureau of Economic Analysis, the US personal savings rate as a percentage of disposable income decreased to -0.4 percent at the end of 2005. It might be time to rethink your definition of frugal and begin to think of it as being wise with your money and not wasteful. Not only will you be able to save, but you'll set a good example for your children. Here are some things you can do in your household, beginning now!. For help, contact the www.ccone.org or call 1-888-767-9155 for a consultation

Learn more about handling your finances and being a more well informed consumer. For help, contact the www.ccone.org or call 1-888-767-9155 for a consultation.

So you've finally decided to get control of your debt and get rid of it once and for all. You happen to come across an ad on the Internet about debt settlement, and it seems as if it was tailor made for you. Of course, there are fees, but you figure it's better than bankruptcy. If you're seriously considering hiring a debt settlement company to help you become debt free, DON'T! There are many unscrupulous companies that just want to make as much money as possible without regard for their clients' best interests. One scam in particular is collecting fees without actually doing anything for you. Basically, they take the money and run. For help, contact the www.ccone.org or call 1-888-767-9155 for a consultation

Everyone likes to be in control of things, especially when it comes to your finances. Even with mounting credit card debt, you think you have it under control because you can still make your minimum monthly payments. The total balance doesn't really matter. You probably have several cards that you use, going from one to the other when one is maxed out. The fact is that you just like to buy things, and sometimes you may even overspend, but it's O.K.-you've got it under control. You know that you can stop any time you want. Sound familiar? For help, contact the www.ccone.org or call 1-888-767-9155 for a consultation

You may have your bills under control, but are you building your savings? Financial freedom includes securing your future and having money saved for any unexpected emergencies. Many people live paycheck to paycheck and never get ahead because they're simply spending too much money, regardless of income. Making some basic lifestyle changes will enable you to save. For help, contact the www.ccone.org or call 1-888-767-9155 for a consultation

Credit repair businesses nationwide are thriving while preying on unsuspecting consumers who are desperate for a quick solution to their credit problems. One company advertised "if you could buy 'good credit' for $179 you would, wouldn't you?" 1-900 S-C-A-M . In many cases, these companies are more than eager to take your money and do little or next to nothing to improve your credit report. They employ various marketing techniques and scams to convince you to pay up. Some are even outright lies and even illegal. One scam used by some credit repair services is directing customers to call their 900-number for details on how to fix your credit. While you're looking for help, they will be trying to keep you on the phone as long as possible to make money from the per minute charges. This kind of scam can combined with other scams so they can try to make even more money. For help, contact the www.ccone.org or call 1-888-767-9155 for a consultation.

So many Americans are overloaded with debt but seem to function under the pressure. Cash advances here and there, rotating which credit cards to use, bouncing checks, and so on. Keeping up with the Jones' is a full time job, but as long as the kids are happy and they can take their yearly vacation to Disney World, they bear the stress. But when is it too much? How do you know when your financial future is in jeopardy? It may surprise you to know that just because you can pay your minimum payments every month doesn't mean you don't have a credit problem. Making low minimum payments only benefits the credit card companies. You quickly become a slave to your debt, taking years to pay off goods that have already been consumed. For help, contact the www.ccone.org or call 1-888-767-9155 for a consultation