FCAA

The Financial Counseling Association of America

Debt Management

How to Prepare for Your Credit Counseling Session

Many people seek out credit counseling services because they need trustworthy financial advice from an expert who can truly help. Whether seeking credit card debt help or advice for budgeting, housing, student loans, bankruptcy, financial education or other needs, working with a Financial Counseling Association of America member credit counseling agency is an excellent choice. 

prepare for your credit counselingCredit counseling can help you get the information and services you need to get your finances back on track. To connect with a certified, non-profit credit counseling agency that you can trust, call the FCAA at 800-450-1794. We will connect you with an FCAA member agency licensed in your area.

When you are connected to credit counseling services, it is important to know what to expect. The following tips will help you prepare for your credit counseling session and give you an idea of what to expect.  

[Read more…] about How to Prepare for Your Credit Counseling Session

Cómo encontrar asistencia durante y después de un desastre natural

A raíz de un desastre natural, acceder a ayuda financiera y asistencia para vivienda es crucial para individuos y familias. Aun cuando la asistencia ante desastres está disponible en muchas formas, navegar por los diversos programas y entender cómo obtener ayuda puede resultar confuso y abrumador.  

En este artículo la Asociación de Consejería Financiera de América (FCAA por sus siglas en inglés) ofrece orientación sobre cómo prepararse para un desastre y acceder a los recursos de recuperación ante desastres. 

[Read more…] about Cómo encontrar asistencia durante y después de un desastre natural

Helping Families with Disaster Preparedness and Assistance

In the wake of a natural disaster, accessing financial aid and housing assistance is crucial for individuals and families. While disaster assistance is available in many forms, navigating the various programs and how to get help can be confusing and overwhelming.

In this article, the Financial Counseling Association of America (FCAA) offers guidance on preparing for a disaster and accessing disaster recovery resources.

Disaster preparedness – the best defense is a good offense

“There are two flavors of disaster counseling – disaster assistance and disaster preparedness,” explains Emanuel Rivero, vice president at Money Management International, an FCAA member agency. People often overlook the preparedness aspect.

[Read more…] about Helping Families with Disaster Preparedness and Assistance

What is Financial Literacy and Why We Care

From childhood, we learn that money provides us with independence and helps us get what we want – whether it’s pockets stuffed with candy, a nice car or a first house. For many people, getting those things without going into debt is very hard. This is often because they lack “financial literacy” and money management skills. 

Financial literacy describes a person’s knowledge, understanding and ability to manage their personal finances effectively. It includes budgeting, money management, paying off debt, growing their savings, investing and more.  

[Read more…] about What is Financial Literacy and Why We Care

Planning Your Vacation on a Budget

Being in debt does not mean that you should never take a vacation. Making budget-friendly choices can give you the break you need without sinking further into debt.  

Taking a vacation has been proven to benefit the mind and body. But when debt is pulling you underwater, spending even more to climb on a pool float sounds foolish. Shouldn’t you stick with the grind and work your way out?

According to experienced debt help experts, the answer is no – with a few considerations. When you have to take on or add to existing debt for a vacation, your planning should factor in your current financial situation, a specific budget for your vacation and ways to save money on vacation.

[Read more…] about Planning Your Vacation on a Budget

Managing Your Debt as New Trump Policies Play Out

US dollar bill and US flag representing the Trump economy

As we enter a second Trump Administration, predictions about the economy are as divided as were opinions of the candidates during the election. We keep hearing speculation about trade tariffs, tax cuts, the federal deficit, immigration and the future of Social Security and healthcare.

Will the United States see economic growth, or will new policies create more financial challenges for struggling Americans?

[Read more…] about Managing Your Debt as New Trump Policies Play Out

Accessibility by WAH