A sad truth is that credit, budgeting and money in general is considered a topic better left discussed in private among family, or is never discussed at all. For some reason it seems like a dirty subject. Many, many people are woefully unprepared to use credit when it is presented to them, and lots of people get into trouble because of it. Personal bankruptcy rates in the United States are high. Formal credit counselling is …

Owing money and being in debt is an intensely stressful situation. Most people in debt never imagined it would happen to them. Many people are just a few paychecks away from debt. Hospitalization, repairs and sudden unemployment can happen to anyone, and devastate savings. Others may just have poor money management skills that need addressing. Seeking help to address your debt issues is the first step. At Credi-serve, our aim is not just to help …

Despite what the media would have you believe, the majority of Americans are facing a losing battle against steadily increasing prices. Not only are their wages stagnant—and essentially falling due to inflation—their 401(k)s are shrinking and an economy in the doldrums has all but made economic opportunity a seeming fantasy. Unsurprisingly, many American consumers have turned to credit cards, personal credit lines, hospital financing and other loans to decrease the fiscal pressure bearing down on …

It is 2017 already and well underway. At this time of the year, it is wise to make new plans, set new goals and most importantly, make new budgets. This is the best time to take a look at your financial matters and set priorities. Financial matters should be the top of your list for a New Year’s resolution. You should have a budget plan at the beginning which you can follow for the rest …