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Credit & Debt


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Pitfalls of the Balance Transfer Game

Charging Instead of Using Cash It begins innocent enough.  You charge for services or merchandise when you have the money to pay with cash or debit. Purchases…

ndrs July 30, 2018

How to Calculate Your Debt to Income Ratio

Contrary to popular beliefs, there are two main things to consider when analyzing your own personal finances, and trying to figure out where exactly you are financially.…

ndrs September 27, 2017

5 Money Mistakes & How to Fix Them

There are many factors in life that are simply out of our control. There is no telling when the stock market may plunge and not much you can do in the way of fixing…

ndrs September 27, 2017

Financial Responsibility Education Podcasts

This podcast is not a part of nor required to participate in the program. Debt Reduction is an excellent solution when it pertains to managing our finances. However,…

ndrs September 16, 2017

How Non-Profits are Funded

All non-profit debt consolidation companies must have a Federal 501-C3 non-profit status form on file. However, the consumer should never use this filing as the…

ndrs August 30, 2017

15 Minutes Of Financial Planning Basics Podcast

The key to free yourself from the vicious cycle of debt and achieve your financial goals lies strictly in your ability to change the way you do things. You took…

ndrs August 24, 2017

7 Of The Biggest Auto Loan Mistakes You Should Avoid

Auto loans are one of the most sought after loans in today's economy, and they come  from a number of different places, such as credit unions, auto dealerships,…

ndrs June 15, 2017

4 Tips For Saving Money & Transforming Your Finances

For a lot of people, it is time to face the facts. We all do not make millions of dollars every year, and there isn’t much of a chance of hitting the lottery jackpot…

ndrs May 14, 2017

Top Ways to Spend & Use Your Tax Refund

Finally, it is that tax refund time of year again. All of the stress, worry, and frustration that go into tax season finally start to culminate into that little…

ndrs April 4, 2017

(CCCS) What Is Consumer Credit Counseling Services?

Consumer Credit Counseling Consumer Credit Counseling services use various names: Consumer Credit Counseling, Credit Counseling, non-profit Credit Counseling,…

ndrs March 14, 2017

Borrowing From Your 401(k): Opportunity Or Mistake?

Is Borrowing From Your 401(k) O(k)ay? While you may be struggling to make it financially and are looking for help anywhere you can get it, there are a number…

ndrs February 13, 2017

Don’t Ignore These Financial Warning Signs

Many times, we don't see the signs that indicate the need to secure financial services until it's too late. Financial crisis doesn't occur overnight, and there are…

ndrs January 14, 2017

Should You Even Think About Debt Consolidation?

Simply put, debt consolidation means taking all your outstanding debt and rolling it into one lump sum for payment simplification. This can be accomplished with…

ndrs September 14, 2016

The True Power of Debt Elimination Programs

Many people use the term 'debt elimination' as a general phrase for debt reduction. You may have received email offers for "complete 100% credit card debt elimination"…

ndrs August 14, 2016

Don't Ever Underestimate Credit Card Debt

Credit Card Debt is a Dangerous Epidemic Did you know the average American family has more than $8000.00 in credit card debt? Credit card debt is a rapidly growing…

ndrs July 14, 2016

Home Equity Loan Or Debt Reduction Services?

If you own a home or real estate, you could potentially refinance your mortgage or take out a home equity loan. If you have equity in your home, then you could refinance…

ndrs June 14, 2016
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