Entries by CCCSMD

How to Cope & Plan for Holiday Financial Stress

As soon as Thanksgiving is over and my husband pulls out the Christmas decorations, my anxiety goes through the roof. My parents are divorced so my husband and I have to balance the holidays with visiting three families.  We also have a wonderful circle of friends that we want to celebrate with.  We have church […]

Guidewell Financial Solutions will Become CCCSMD December 15, 2018

Guidewell Financial Solutions will Become CCCSMD December 15, 2018 Same Team. Same Commitment to Service Excellence. Over the past year, our agency has gone through tremendous transition and growth, including this past month as we undertook training and process improvements to provide our clients with the highest quality service and support. We are entering 2019 […]

Don’t Leave Money on the Table – Pay Yourself First

Before Thanksgiving comes the benefits-enrollment season, and while most of us know we should be saving more, many people feel overwhelmed trying to figure out their options. The Internal Revenue Service recently announced an increase in the contribution limits to retirement savings plans, but only about half of all working Americans contribute regularly, meaning they […]

Guidewell Expands Homebuyer Education Programs and Mortgage Solutions Counseling with Big HUD Grant Increase

Guidewell Financial Solutions (CCCSMD) has been awarded $398,200 by the U.S. Department of Housing and Urban Development (HUD) to provide education and counseling in nine states. The sizable increase, up from a mere $27,000 as a subgrantee in 2017, recognizes the Maryland nonprofit agency’s growth as an approved provider.   “We are incredibly excited to partner […]

Three Major Types of Expenses

Three Major Types of Expenses The next step in setting up a budget is to list your monthly expenses. There are three major types of expenses we all pay: fixed, variable, and periodic. Do you know the difference? A “fixed expense” is a cost that does not change from time period to time period, or […]