Education Center | Take Charge America

Education Center | Take Charge America
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Education Center
Resources & Knowledge for a Secure Financial Future
Take Charge America is dedicated to improving financial literacy among people from all backgrounds facing a variety of financial challenges. Bookmark this page to reference whenever you have a financial question, concern, or opportunity.
How to Choose Among Debt Relief Options: Bankruptcy, Debt Settlement, or a Debt Management Plan?
How to Use Your Tax Refund Wisely: Turn a One-Time Boost into Long-Term Financial Stability
How to Do a Personal Financial Assessment
Programs for Debt Relief: The 5 Types of Relief and Who They’re For
Divide and Switch: A Smarter Way to Handle Money as a Couple
Financial Education for Adults with IDD
Housing Counseling Can Do More Than Prepare You to Buy a Home
Consumer Credit Counseling vs. Debt Settlement Companies: What Costs Less in the Long Run?
Debt Relief Companies: Before You Sign an Agreement
2026 Tax Season: How to Turn Your Refund into Financial Progress
How to Choose a Credit Counseling Agency: 7 Ways to Spot the Real Ones (and Avoid the Rest)
The Trick to Feeling Good (Without Putting It on a Credit Card): Tips to Build a Healthy Money Mindset
Credit Counseling Services: A Step-By-Step Guide
Trump Administration Calls for 10% Credit Card Interest Rate Cap: What It Could Mean for Your Wallet.
How to Prepare for a Home Purchase as HUD Funding Faces Major Cuts
Joint vs. Cosigned Loans: What You Need to Know Before Saying Yes
Understanding Your Rights as a Renter
How to Automate Your Financial Life
Demystifying Your Credit Score: How to Read Your Credit Report & Improve Your Score
How to Create a Family Budget That Works for Everyone
5 Reasons to Avoid Store Credit Cards
7 Creative Ways to Save on Back-to-School Costs
How Do Debt Relief Programs Impact Credit Scores?
Five Questions to Ask Before Declaring Bankruptcy
Fair Housing: Do You Know Your Rights When Buying and Renting?
How to Avoid Subscription Overload
How to Help Teens Use Peer-to-Peer Payment Apps Safely
Can You Get a Loan While on a Debt Management Plan?
How to Be Successful on a Debt Management Plan
Use the Holidays to Teach Kids About Money
How to Enroll in a Debt Management Plan
The Pros and Cons of Debt Management Plans
How Do You Know When It’s Time to File Bankruptcy?
Life After a Debt Management Plan -" What Comes Next?
Get to Know Different Types of Savings Accounts
What Are Debt Management Plans and How Do They Work?
How Many Credit Cards Should You Have?
Learn to Recognize Holiday Spending Triggers
How to Balance the Holidays with Inflation
Should You Use Savings to Pay off Debt?
How Long Does it Take to Improve Credit?
Common Questions About Credit Card Balance Transfers
How Do Credit Scores Affect Your Life?
5 Signs You Need a Debt Relief Program
How to Manage Your Finances When Going on Strike
How to Dispute Debt in Collections
Debt Management Plans vs. Bankruptcy
Does Paying a Debt Collector Help Credit Scores?
Will a Debt Management Plan Affect My Mortgage?
Debt Settlement Pros and Cons of This Debt Relief Option
How to Beat Inflation When Back-to-School Shopping
How to Use Debt Consolidation to Improve Credit
The Pros and Cons of Consumer Credit Counseling
How to Get Out of Debt Without Filing Bankruptcy
How Do I File Chapter 13 Bankruptcy?
How Do I File Chapter 7 Bankruptcy?
Common Questions About Bankruptcy
Get to Know 5 Types of Debt Relief Programs
How Do Debt Consolidation Loans Work?
How Many Times Can You File Bankruptcy?
Financial Responsibilities for High School Graduates
Is It Possible to Pay Down Debt In Retirement?
6 Ways to Minimize Food Waste and Save Money
What Are the Alternatives to Bankruptcy?
Is Your Romantic Partner Financially Unstable?
How to Save Money on Yard Work
5 Tips to Manage Financial Stress
7 Helpful Tips for New Credit Card Users
What You Need to Know About Surge Pricing
Explore These 5 Alternatives to Credit Cards
How to Use Mobile Payment Apps Safely
What You Need to Know About Retail Credit Cards
5 Creative Ways to Use Your Tax Refund
How Couples Can Marry Spending Styles
Laid Off? Keep the Cash Flowing with Gig Work
5 Easy Ways to Automate Your Savings
Tips to Overcome Temporary Financial Hardships
Wage Garnishment: What You Need to Know
What is Shrinkflation (And Why Does it Matter)?
How to Effectively Communicate with Creditors
Tips to Pay Off Holiday Debt Quickly
The Best Things to Buy at After-Christmas Sales
Top Tips for Holiday Returns
Learn How to Decode Credit Card Offers
9 Tips to Stick with Financial Resolutions in 2023
Why Did My Credit Card APR Increase?
Preparing for a Recession: Save Money or Pay Off Debt?
What Are the Consequences of Late Credit Card Payments?
Beware of Holiday Money Hazards
9 Ways to Save on Thanksgiving Dinner
Learn How Emotions Can Affect Your Finances
Understanding the Difference Between Needs and Wants
6 Tips to Survive Between Jobs
Dealing with Debt as You Approach Retirement
Understanding the Eviction Process
Know the Risks of Credit Card Cash Advances
7 Things to Buy Now (Before They Get More Expensive)
How to Talk with Kids About Inflation
How to Avoid a Foreclosure: Three Steps that Can Save Your Home
How to Save Money on Kids’ School Lunches
When Should You Close a Credit Card?
The Pros and Cons of Payment Advance Apps
Be Prepared for Unexpected School Expenses
When Should You Seek Credit Counseling?
Financial Lessons We Can Learn from Gen Z
Why Does My Credit Score Fluctuate So Much?
The Hidden Dangers of Buy Now, Pay Later Services
7 Ways to Save Money on Dorm Room Essentials
5 Tips for Renting After Eviction
6 Super-Fun and Frugal Staycation Ideas
6 Ways to Stretch Your Vacation Budget
The Hidden Costs of Moving Out of State
Get to Know These Misunderstood Financial Products
How to Avoid Overdraft Fees
Easy Ways to Get Your Home Ready for Summer
What To Do If You Can’t Make Your Car Payment
Financial Calculators Help You Plan Your Future
Are You Contributing to Your Financial Anxiety?
Financial Topics for High School Graduates
How to Host a Graduation Party on a Budget
Understanding the Impacts of Foreclosure
7 Tips for Financial Spring Cleaning
The Truth About Payday Loans
Is Credit Card Churning a Good Idea?
Quick Tips to Save Money on Gas
Know These 5 Supermarket Spending Traps
How to Help Your Teen Ace Their First Job
Watch for 5 Signs of Contractor Scams
5 Common Questions About Debt Collectors
Here’s What to Do if You Can’t Pay Rent
Learn Your Debt Consolidation Options
How to Adjust Your Budget Before You Quit Your Job
Watch for These Financial Red Flags with Roommates
Be On the Lookout for These Travel Freebies
Have You Heard of a Credit Builder Loan?
The Pros and Cons of Using Credit Cards for Holiday Shopping
6 Holiday Gifts that Don’t Cost Money
How to Avoid Holiday Scams
Don’t Go Broke with Holiday Houseguests
How to Talk About Money in a New Relationship
New Rules for Public Service Loan Forgiveness
Do These “Frugal” Habits Really Save Money?
Beware of Scams Targeting Military Members
Are You Missing Out On Government Benefits?
Tips for Mixing Family and Finances
What Parents Need to Know About Student Loans
What Are Your Debt Relief Options?
Tips for an Easy Fall Finance Checkup
What to Expect from Credit Counseling
5 Times You Should Opt Out to Save Money
5 Things You Didn’t Know You Could Rent
Wedding Insurance -" What Is It and Do You Need It?
Snowballs and Avalanches: 2 Popular Ways to Pay Off Credit Card Debt
How to Adjust Your Budget for Rising Prices
The Seven Types of Student Loan Deferment
5 Things to Never Say During a Job Interview
How to Handle Errors on Your Credit Report
How to Find Free Summer Lunch Programs for Kids
5 Smart Ways to Use Home Equity
Online or Phone Credit Counseling -" What’s Right for You?
How to Calculate Your Credit Score
Who’s Who On Your Homebuying Team
How to Rebuild Your Finances After Bankruptcy
6 Tips to Rent an Apartment with Bad Credit
5 Questions to Ask Before You Lend Money to a Friend
Start Planning Your Post-Pandemic Finances
Down Payment Assistance Programs Help First-time Homebuyers
Teach Your Teens These Credit Card Lessons
Save Money with These Multitasking Products
5 Smart Ways to Use the Latest Stimulus Payment
5 Fun and Educational Financial Apps for Kids
How to Bounce Back After Unemployment
How to Negotiate Bills During the Pandemic
Should I Ask for a Credit Limit Increase?
Get Ready to File Your 2020 Taxes
Are You Making These Online Shopping Mistakes?
Adding an Authorized User – What You Need to Know
The Most Important Financial Lessons of 2020
What Happens with a Credit Card Delinquency?
How to Know When It’s Time to Break Up with Your Bank
Busting 5 Common Credit Card Myths
Everything You Need to Know About Credit Limits
Get Ready for COVID-19 Student Loan Forbearance to End
Save Money with Black Friday Shopping Online
5 Unexpected Expenses of Having a Baby
Avoid These First-Time Homebuyer Mistakes
Vacation Canceled? Use the Funds to Support Your Financial Goals
5 Home Repairs You Can’t Ignore
How to Adjust to Adult Kids Coming Home During the Pandemic
How to Discuss Finances with Your Aging Parents
How to Spot Work-from-Home Scams
Financial Considerations When Renting an Apartment
Do You Need Housing Counseling & Homebuyer Education?
5 Tips to Help You Pay Bills on Time, Every Time
How to Recognize the Signs of a Gambling Problem
Buy Now, Pay Later Loans — What You Need to Know
Avoid These 5 Pandemic Money Mistakes
Busting the Myths About Credit Repair
7 Common Habits of Debt-Free People
Tips to Prepare Yourself for a Career Change
How to Cut Back to a Bare Bones Budget
What You Need to Know About Bank Accounts for Teens
You’ve Run Out of Emergency Savings — Now What?
What You Need to Know About Private Student Loans
5 Tips for Job Hunting During the Pandemic
Back-to-School Expenses in the Age of COVID-19
What is a Charge-Off & How Does it Affect Credit?
7 Ways to Save on Everyday Essentials When Shopping Online
Is DIY Credit Repair a Good Idea?
Do You Believe These Myths About Bankruptcy?
Should I Use Retirement Savings to Pay for Emergencies?
How to Read Medical Billing Statements
5 Tips for a Successful Video Interview
Hang On to These Quarantine Money Habits
Why Do Creditors Close Credit Cards Without Notice?
Home Improvements? Ask Yourself These Questions First.
Summer Vacation Canceled? Try These Staycation Ideas.
5 Things You Should Do While You’re on Furlough
How to Get Refunds for Canceled Travel Due to COVID-19
You’re Graduating During a Pandemic — Now What?
How to Save On Utilities When Working from Home
Tips to Save on Auto Insurance During the COVID-19 Pandemic
What to Do if You Can’t Pay Your May Bills
How to Talk to Kids About Money During the COVID-19 Pandemic
The Do’s & Don’ts of Using Credit Cards During a Financial Crisis
Tips to Make it Through the Pandemic Cash Crunch
Cheap or Free Things to Do While Social Distancing
Understand These Financial Terms Related to COVID-19
Creditors Offer Assistance for COVID-19 Circumstances
What Really Happens When You Only Make Minimum Payments
How Do I Pay My Student Loans When Living Abroad?
Understanding the Consequences of Bankruptcy
Stretch Your Food Budget by Planting a Garden
Tax Refund Advance: What You Need to Know
The Best Things to Buy from Presidents Day Sales
6 Bills You Didn’t Know You Could Negotiate
6 Steps for Handling Credit Card Fraud
5 Tips for Planning a Vacation Budget
Financial Considerations When Getting Remarried
Expenses to Cut from Your Budget in 2020
5 Most Popular Blog Posts of 2019
5 Easy Ways to Cut Down on Financial Clutter
Financial Resolutions for Generation Z
Considering Credit Repair? Here’s What You Need to Know.
Getting Started with Student Loan Repayment
Online Installment Loans: What You Need to Know
6 Ways to Save Money on a Rental Car
Don’t Let Your Kids Catch You Making These Money Mistakes
What are the Alternatives to Credit Card Cash Advances?
7 Tips for a Profitable Garage Sale
The Pros and Cons of Credit Cards
5 Questions to Ask Yourself Before Declaring Bankruptcy
5 Smart Ways to Increase Your Earning Power
5 Ways to Save Money on a New Computer
5 Ways to Save on Halloween Costumes
5 Ways Spenders and Savers Can Find Common Ground
Tips for Managing Friendship and Finances
What is Credit Utilization (And Why Does it Matter?)
5 Surprising Personal Finance Beliefs
Tips to Manage Your Digital Wants and Needs
The Fundamentals of Building a Credit History
What Are Credit Card Hardship Programs?
6 Steps to Take if Your Vehicle is Repossessed
Make Extra Money When You Cash in on Kids’ Stuff
Are You Heading for a Financial Meltdown?
5 Ways to Save Money on Prescriptions
Credit Lock or Credit Freeze. What’s the Difference?
Debunking 6 Myths About Credit Reports and Scores
5 Tips to Help Adult Children Move Out on Their Own
Conduct a Mid-year Financial Resolution Checkup
6 Hints for Planning a Budget with Tip Income
How to Stay Out of Debt Once You Pay it Off
Beyond Emergency Savings – Start Saving for These Priorities
The Pros and Cons of All-Inclusive Resorts
5 Ways to Save Money on a New Hobby
How to Make the Most of Your Health Insurance
Save Money with a No-Spend Weekend
5 Financial Tips for New College Graduates
6 Simple Ways To Reduce Expenses During Retirement
5 Easy Ways to Simplify Your Financial Life
5 Things to Do During the Student Loan Grace Period
5 Ways to Save Money on Easter Celebrations
Missed a Credit Card Payment? Here’s What Happens.
It’s Your Day! Enjoy these Birthday Freebies.
Debunking the Top 5 Excuses for Missing Credit Card Payments
Discover 2 Free Ways to Potentially Increase Your Credit Score
It’s Time to Cut the Cord and Save Money
Understanding the Differences Between Banks and Credit Unions
5 Smart Ways to Use an Insurance Settlement
Learn the Warning Signs of Child Identity Theft
The Truth About Mystery Shopping
What Happens During the Credit Repair Process
7 Cheap & Fun Valentine’s Day Date Ideas
10 Financial Milestones for Kids of All Ages
5 Financial Lessons to Learn from Minimalism
5 Essential Lessons to Live a Debt-free Life
These Inexpensive Cold Remedies Help You Feel Better Fast
How to Make the Most of an Accountability Partner
Try These 5 Easy, Low-Cost Ways to Redecorate
How to Save Money on Holiday Baking
Minimize Holiday Stress to Spend Less
Try These Money-Saving Alternatives to a Holiday Party
7 Small Appliances to Help You Save Money
Learn the Do’s and Don’ts of Thrift Store Shopping
Are You Financially Prepared for Your First Apartment?
How to Celebrate Friendsgiving on a Budget
5 Easy Ways to Avoid Financial FOMO
Discover the Benefits of Online Credit Counseling
7 Fun Ways to Use Leftover Halloween Candy
How to Conduct a Family Financial Audit
5 Things to Do Before You Quit Your Job
Discover the Hidden Costs of Pet Ownership
Do These 5 Things on Sunday Night to Save Money All Week
Strategies to Help You Reach Your Savings Goals
6 Employment Perks That Go Beyond Salary
Save Money with Fantastic Fall Bargains
Stop Paying the Pink Tax – What You Need to Know
Have Fun with Cheap or Free Fall Activities
7 Times it Makes Sense to Pay More
Tips for Talking to Young Adults About Money
Beware of these 7 Red Flags for Renters
6 Ways to Save Money When Shopping Online
Tips for an Easy Fall Finance Checkup
5 Fun and Frugal Ways to Spend Labor Day
6 Tips to Help You Choose the Right Side Hustle
3 Ways to Use Home Equity Responsibly—And 2 to Avoid
4 Things Millennials Can Give Up to Save for Retirement
5 Ways to Save Money on Tutoring
Lessons to Learn from Financial Setbacks
Debt Settlement vs. Debt Management—What’s the Difference
Top 10 Budget Date Night Ideas
5 Things You Didn’t Know About Credit Repair
5 Ways to Save on Self Care and Beauty Products
5 Ways to Save Money During Pregnancy
Tips to Help You Handle Unexpected Expenses
Learn How Debt Settlement Affects Your Credit Score
20 Money-saving Ways to Use Vinegar
5 Questions to Ask Yourself Before Making a Purchase
Try These 7 Money-saving Camping Tips
How to Make Appliances Last Longer
20 Money-saving Ways to use Baking Soda
5 Ways to Save Money as a Bridesmaid
5 Ways to Save Money with Subscription Boxes
Tips to Manage the Costs of Growing Kids
Here’s What to Include in an Entertainment Budget
5 Cheap & Easy Ways to Boost Curb Appeal
5 Tips to Increase Your Chances of Getting a Raise
What You Need to Know About Travel Insurance
5 Essential Financial Moves for New Parents
How to Save Money While Losing Weight
What to Know About Skimmers, Shimmers and Card Security
Try These Money-saving Baby Shower Ideas
The Consequences of Student Loan Default
5 Simple Tips to Organize Your Finances
5 Things Millennials Need to Ask Before Moving Away from Home
What is Student Loan Rehabilitation (And When Do You Need It)?
7 Tips to Bounce Back from Financial Mistakes
The Truth Behind 5 Debt Settlement Myths
7 Ways to Save on College Living Expenses
Explore These Alternatives to Debt Settlement
How to Evolve Your Budget as a First-time Homeowner
What is Debt Consolidation and When Is it a Good Option?
How to Get Teens Involved in Saving for College
5 Essential Money Moves to Start the New Year
5 Tips for Dealing with Medical Debt
5 Mistakes to Avoid During Mortgage Approval
Affordable Activities for Senior Citizens
Stop Kids’ Holiday Greed Before it Starts
Here’s How to Stop Stress Shopping (and Save Money)
5 Essential Financial Lessons to Teach Your Kids
5 Ways to Save as a Holiday Party Guest
5 Ways to Save on Out-of-Pocket Health Care Costs
What’s the Big Deal about Emergency Savings?
Avoiding Scams on Craigslist, OfferUp and Letgo
Is Multi-Level Marketing Right for You?
5 Financial Benefits of Attending Community College
The Equifax Breach: What You Need to Know to Protect Yourself
Better safe than Sorry financial disaster prep
After the equifax breach what to do now
Post-Disaster Financial Checklist
What Happens to Debt After Death?
The Many Downsides of Being Unbanked
Savings Stalled? 5 Ways to Get Back to Basics
How to Survive a Cash Crunch Without Using Credit Cards
Our 5 Favorite Quotes About Saving Money
How to Remodel Your Home on a Budget
Throw a 4th of July BBQ for Less
5 Ways to Save on Baby Basics
Hard vs soft credit pull whats the difference?
5 Easy Ways to Cut Your Grocery Bill
5 Ways to Save Money on Kids’ Summer Camp
The Pros and Cons of Meal Kit Delivery
5 Ways to Take Your Social Life Outside
5 Awesome Summer Jobs for Teachers
5 Tips to Plan the Perfect Prom for Less
Don’t Believe These 7 Student Loan Myths
Is a Credit Card Balance Transfer Right for You?
How to Raise Your Child to Be a Saver
5 Uncomfortable Money Moments (and How to Handle Them)
5 Easy Tips for Smoother Tax Prep
5 Smart Money Moves for New Parents
5 Things to Do Before You Start a Job Search
Seven Strategies for Paying Off Credit Card Debt
Learn these DIY Skills to Save Big
How to Set Up a Nursery on a Budget
Stretch Your Entertainment Budget with Gift Cards
Save Money on Caring for a New Pet
Set Up a Home Gym on a Budget
Throw a New Year’s Eve Party on a Budget
How Much Rent Can You Afford?
How to Save Money on Last-Minute Holiday Travel
Tips for Smart Charitable Giving
Guide to Creative Gift Giving
How to Get Out of a Timeshare
Financial Resources for Veterans
Understanding Payroll Deductions
How to Save Money During Cold and Flu Season
Top 5 Reasons People Seek Credit Counseling
5 Things to Know about a Home-based Business
Get Moving -" How to Save When Relocating
Don’t Fall for Retail Spending Traps
How to Beat the High Cost of Social Activities
7 Essential Financial Skills for Young Adults
5 Ways to Save on Your Next New Car
6 Smart Ways to Save Money on School Clothes
The Latest Financial Scams Targeting Seniors
Get Smart! 5 Ways to Save on College Textbooks
No More Boring Budgets! 5 Ways to Make it Fun.
Beyond babysitting 5 small businesses for kids
Pros & Cons of Working in the Sharing Economy
Life After Debt: Money Moves to Make When You Become Debt Free
5 Ways to Save on Funeral Costs
5 Ways to Save Money in the Airport
Stay Away from these High-Interest Loans
Shop and Save with Summer Best Buys
7 Simple Tips to Make Money Reselling Clothing
5 Overspending Triggers (and How to Beat Them)
Closing Costs: What You Need to Know
5 Ways to Save Money as a Wedding Guest
Awesome Cheap or Free Summer Activities for Kids
Use Kids’ Allowances to Teach Financial Lessons
5 Ways to Save on Summer Driving
Give Yourself a Raise (When the Boss Won’t)
These Graduation Gifts are Better than Cash
Pawn Shops: What You Need to Know
Financial Lessons from the Tiny House Movement
Secured, unsecured pre-paid cards which is best?
Everything You Need to Know About Budgeting
5 Things to Never Put on a Credit Card
Learn How to Monitor Your Credit
The True Cost of Rent-to-Own Services
What You Need to Know About Identity Theft
Make the Most of Credit Card Rewards
Smart Money Moves Following a Raise
How to Prioritize Bills When You’re Low on Cash
5 Money Moves You’ll Regret
The Lost Art of Making Do
What You Need to Know About Deficiency Balances
How to Save on Spring Gardening
What to Do If You Default on Your Student Loans
How to Save on Spring Cleaning
5 Cheap & Easy Natural Beauty Tricks
Make Saving Money a Family Affair
5 Tips for Saving on Refurbished Electronics
Use Kids’ Fundraisers to Teach Money Lessons
What to Do if You Can’t Pay the Mortgage
5 Money Talks You Need to Have
Are You Up for a Savings Challenge?
5 Cheap or Free Ways to Get Fit
Tips for Eating Healthy on a Budget
What The Federal Interest Rate Hike Means to You
Set Yourself Up for Financial Success in 2016
How to Budget with Inconsistent Income
The Cure for your Holiday Debt Hangover
Planning for Fixed Variable and Periodic Expenses
How to Deal with Boomerang Kids
How to Avoid Financial Disputes with Roommates
5 Things to Do if You Lose Your Job
6 Easy Ways to Save Money on Winter Clothes
How to Save on Cell Phone Plans
Try These 5 Crazy Ways to Save
The Pros and Cons of Cosigning a Loan
secured vs unsecured debt whats the difference?
Does it Pay to Buy Generic?
How to Save When Buying Appliances
Easy Ways to Save on Airfare
Are You Ready to Buy a Home?
5 Benefits of Maintaining Good Credit
5 Ways to Get Your Vehicle Ready for Winter
5 Things NOT to Do When Getting Out of Debt
Top 5 Things to Buy in the Fall
How to Furnish Your Home on a Budget
Cheap and Easy Ways to Go Green
5 Smart Money Moves to Make in Your 40s
5 Ways to Save on a Honeymoon
5 Smart Money Moves to Make in Your 30s
5 Smart Money Moves to Make in Your 20s
Healthy Financial Habits for Couples
Easy Ways to Save on College Costs
How to Evaluate a Job Offer
Budgeting for a Teen Driver
How to Negotiate a Raise
5 Signs You May be in Trouble with Credit Card Debt
Do You Qualify for Public Service Loan Forgiveness?
Beyond the Mortgage — Additional Costs of Homeownership
5 Easy Ways to Earn Extra Money
Quit These Bad Habits to Save Money
Tips for Borrowing Student Loans Wisely
Creative Ways to Stretch Your Food Budget
Student Loan Borrowers: Do You Have an FSA ID?
Money-Saving Tips for Renters
How to Save on Auto Maintenance
How to Save Money on a Road Trip
Help Your Teen Find the Right Summer Job
Be on the Lookout for Senior Financial Scams
5 Ways to Save on Kids’ Birthday Parties
Easy Ways to Save on Transportation Costs
5 Things to Never Keep in Your Wallet
Find Free Fun at the Library
The Do’s and Don’ts of Dollar Store Shopping
Save on Home Repairs with a Spring Home Checkup
5 Ways to Save on Childcare Costs
5 Little-known Facts About Credit Cards
Tips for Using Credit Cards Wisely
Turned Down for a Mortgage? Prepare to Apply Again.
Stock Your Pantry to Save Money on Food
5 Smart Things to do with Your Tax Refund
How to Shop Smart at Warehouse Clubs
Emergency Savings and Peace of Mind
Valentine’s Day DIYs from the Heart
Easy Tips for Getting Organized on a Budget
Get a Side Job to Make Extra Money
4 Things You Didn’t Know You Could Rent
Your 2015 Financial Goals
The Best Budget-Friendly, Last-Minute Gifts
New Twists on Old Financial Scams
The Thrifty Homebuyer: How to Budget for Your First Home
Steer Clear of Gift Card Scams
Learn the Unbreakable Rules of Regifting
For Better or Worse: Should Couples Marry Finances?
Opt Out of the Black Friday Madness
Winterize Your Home to Save on Heating Costs
10 Dos & Don’ts for Young Credit Card Users
Cheap & Cheerful Holiday Party Ideas
Top Tips for Thanksgiving on a Budget
Save Money in Unexpected Ways
Organizing Your Finances in Eight Easy Steps
Save Money by Cleaning Green
Is Financial Stress Affecting Your Health?
How to Save Money When Dining Out
Protecting Seniors from Identity Theft
Celebrate Halloween on a Budget
7 Things That are Better to Buy Used
Uncovering the Hidden Costs of Weddings
Teaching Kids About Money With Financial Education Basics
How to Handle the Home Depot Data Breach
Learn How to Haggle and Save Big
Credit Card Promotional Offers -" Understanding the Fine Print
How to Save on Pet Care Costs
Say No to these Unnecessary Upgrades
Are You Financially Fragile?
Easy Ways to Save Money on Clothing
Free Resources to Help Improve Your Credit
Reverse Mortgage 101: Debunking Common Myths
Download These Money-saving Apps Now
Busting the Myths of Student Loan Forgiveness
How Do I Deal with Debt Collector Harassment?
5 Ways to Save Money on Moving
Don’t Blow Your Student Loan Check
How to Save Money on Home Improvements
How Do Young Adults Establish Good Credit?
What Your Kid Doesn’t Need for College
Why You Should Celebrate Christmas in July
Are You Committing Coupon Fraud?
What is Nonprofit Credit Counseling?
Signs of Housing Scams & Fraud
Spring Break Travel Discounts May Come with “Baggage”
Precautions for Co-signers
How to Create a Workable Budget
Do’s and Don’ts for Using Home Equity
Financial Moves Before Marriage
10 Easy Ways to Save $50 This Month
Feeling House Poor? 5 Tips to Simplify and Save
What You Need to Know Before Borrowing Money for College
Financial Tips for Older College Students
Money-Saving Tips for College Students
Did You Know? The Real Impact of Credit-Getting A Job
Do’s and Don’ts of Negotiating Credit Card Interest Rates
Back to School Budget Busters: How to Save on Supplies, Clothes & More
What is a Reverse Mortgage?
How to Save Money on Your Summer Vacation
Housing Crisis Programs
Getting Your Vehicle in Gear
How to Spot and Protect Yourself from Online Job Scams
Take an Interest in Your Interest
Save Money on Summer Activities and Entertainment
Internet Banking: Is it a Good Deal?
Identity Theft Prevention Checklist
How to Save Money on Homeowners Insurance
The High Stakes of High-Cost Lending
Back to School Back on Budget
To Rent or Buy or a Home? 4 Factors You Need to Consider
What to Know Before Closing a Credit Card
Tips for Evaluating a Home Warranty Policy
Do You Need Renters Insurance?
How to Save Money on a Wedding
Financial Checkups Throughout Marriage
What You Need to Know about Deposit Insurance in the U.S.
Your Prescription for Lower Health Care Costs
Small Life Changes that Make a Big Difference
Save Money on Pricey Pet Care Costs
Did You Know? The Real Impact of Credit
How to Save Money on Auto Insurance
Your Rights As A Consumer Of Financial Services
Did You Know? The Real Impact of Credit
6 Tips for Teaching Kids About Money
Common Questions About Life Insurance
Insurance Resources
Dont fall for a tax refund tips to even the tax scale 2
Financial Resolutions for the New Year
How to Save on Holiday Gifts
Financing a College Education
7 Alternatives to a Big-Budget Wedding
How to Save on Holiday Parties and Gatherings
Five Ways to Help Aging Parents Navigate Finances
Mixing Family and Finances
Tips on Saving for Retirement
How to Prevent Identity Theft
Tips for Assisting the Boomerang Generation
Tips to Save Money on Moving Expenses
Dos and Don'ts for Managing Your Credit Score
How to Avoid Internet and Email Scams
Tips for Tracking Your Expenses
How to Start the “Money Talk” with Your Partner
Try These Alternatives to Payday Loans
Digest Financial Goals One Decade at a Time
Money-Saving Tips for New Parents: Bringing Home Baby
Tips for Organizing Your Finances
Buying Insurance in Today’s World
Financial Resources for the Unemployed
Score Free Tax Help During March’s Tax Madness
Tips for Saving Money on Summer Bills
5 Ways to Save on Groceries This Year
Is a Reverse Mortgage Right for You?
Your Declaration of Financial Independence
Young Consumers and Credit Cards: How to Maintain Manageable Interest Rates
How to Build an Emergency Fund
Do's and Don'ts for Borrowing Money from Family and Friends
What You Need to Know About a Short Sale
Don’t Fall for a Tax Refund – Tips to Even the Tax Scale
Can You Turn Your Hobby into a Business?
How to Help Loved Ones with Money Problems
Credit Cards: Advantages and Disadvantages for the Consumer
Stop Paying These 5 Fees
Top 10 Credit Card Terms
Save Your Money – Plan A Spending Freeze
Save Money On Prom – The Memories Are What Matter
Don’t Just Accept Student Loan Debt
5 Ways Spring Cleaning Helps You Save
Will Chip-and-Pin Technology Keep Your Data Safe?
Save Money the SMART Way
Start Small to Save Big – Easy Savings Solutions
Easy Ways to Save Money on Valentine Day
Educational Resources
Do You Need Credit Counseling or Help with Debt?
5 Tips for Throwing a Super Bowl Party on a Budget
Easy Ways to Turn Clutter Into Cash
Avoid Holiday Debt by Planning Ahead
Make the Most of Gift Cards
Little Ways to Save Money Every Day
Why Make Your New Year’s Resolutions at New Year’s?
Phishing and the Target Data Breach
5 DIY Skills to Help You Save Money
5 Free Ways to Save on Heating Costs
Is Lottery Fever Actually Good for You?
Holiday Financial Scams and How to Avoid Them
Deposit Advances: What You Need to Know
Breaking Bad Budgeting Habits
Budget Holiday Gifts with a Twist
Free Online Learning Can Increase Your Earning Power
Extreme Couponing or Extremely Annoying?
Whole Foods Don’t Have to Cost Your Whole Paycheck
Black Friday Savings and Shopping Tips
Throw a Big Holiday Party on a Tiny Budget
What We Can Learn from TLC – Extreme Cheapskates
Tips for Making Holiday Travel More Affordable
Do You Need to Know Your Credit Score?
How Do You Plan To Pay Off Your Student Loans?
Does it Make Sense to Lease a Vehicle?
Budgeting Guidance, By Popular Demand
Negotiating Credit Card Interest Rates
Are your credit card rates negotiable? What power do you have? We explore the do's, don'ts and possibilities if you choose to reach out to your creditors.
Planning for Variable & Periodic Expenses
Are you a freelancer or gig worker? Is your job dependent on tips? When your income is inconsistent, it can be difficult to budget. Here, we offer guidance.
Next Steps: Life After Debt
It’s not easy to overcome debt, and the achievement should be celebrated. But then what? What financial steps should you take when balances hit zero?
Financial Skills for Young Adults
The financial skills we learn as young adults lay the foundation for a secure future for decades. Here, we explore the fundamental skills that will set anyone up for success.
Precautions for Co-signers
Should you co-sign a loan for a family member or friend? Are you fully aware of the potential consequences? This is a serious decision that shouldn’t be taken lightly.
Strategies for Paying Off Credit Cards
There are numerous approaches for paying off credit cards depending on the number of cards, debt levels and interest rates. Here, we explore seven common strategies.
Financial Calculators
How long will it take to pay off my credit card?
How much am I spending on household and living expenses?
How much do I need in my emergency fund?
What are my annual cash flow projections?
What is the impact of withdrawing from my 401k?
Resources to Overcome Life’s Challenges
Financial, Legal & Health
We understand how financial struggles can impact many areas of your life. We've compiled a list of organizations offering consumer services and support.
View Resources
Veterans
Veterans can face unique financial and lifestyle challenges following their military service. We've compiled a list of resources to help them navigate those difficulties.
View Resources
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Testimonial
Empowering Millions to Achieve Financial Freedom
Customer service is impeccable “Customer service is impeccable. I love everyone who works there — I couldn't have done it without your help, patience, and overall kindness. I wouldn’t want to go through a journey like this without your support. It's good to know there are still people who truly care. Thank you from the bottom of my heart. Keep up the awesome work you do. God bless you all — I feel truly blessed to have had your help.”
Monica
WI
One morning, when “One of the most important reasons TCA was so successful for me comes down to three things: The company is staffed with real professionals who understand debt management and provide honest guidance, advice, and encouragement — always with your best interest at heart. They recognize that life can throw curveballs and respond with support and understanding, not judgment. They truly care and genuinely want you to succeed!”Gregor Samsa woke from troubled dreams, he found himself transformed in his bed into a horrible vermin. He lay on his armour-like back, and if he lifted his head a little he could see his brown belly, slightly domed and divided by arches.
William
FL
Grateful “I’m truly grateful for this program — it gave me peace of mind. The staff is knowledgeable and ready to help. My experience has been great, and I recommend this company for your debt management needs.”
Georgina
CO
From beginning to the end ,I had a… “From beginning to end, I had a great experience with them. Great customer service — they took the time to explain everything to me and answer all my questions. I’m so happy I was recommended to you guys; that’s why I recommend all my friends who need to join.”
Claudia
CA
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Take Charge America, Inc. is NOT A LOAN COMPANY. We do not lend money.
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