Debt Consolidation vs. Debt Management vs. Debt Settlement

Whether you are trying to pay off some debt, are working towards homeownership or retirement, or are worried about your ability to meet your financial obligations, it is very important to take the time to educate yourself about the options available.…
Setting up a budget

Keys to Budgeting - Part 3 Setting up a Budget

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I remember being really anxious when I would make a purchase with my debit card and the machine would ask if the charge amount was OK. Even as I touched YES, I didn’t always know if that was true. Before I started budgeting, I would often…
What is credit counseling

What is Credit Counseling?

Understanding your credit, working towards financial goals, paying debt obligations, and having an awareness of your monthly income and expenses are all part of your financial wellbeing. And, your financial wellbeing impacts every facet of your…
financial counseling

How Do I Find a Reputable Credit Counselor or Financial Advocate?

Maryland has one of the highest individual debt-to-income ratios in the United States, which is partially due to rising student debt as well as the cost of living with Maryland ranking as the 7th most expensive State to live in. That is understandably…

Keys to Budgeting - Part 2 Income

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With two young children, my tolerance for things being out of control is constantly challenged. There are messes and clutter in every room of the house. The dresser drawers lose their organization just minutes after I put away clean clothes.…

Keys to Budgeting Part 1: 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?When I first started budgeting, I set up an excel spreadsheet…
Financial Assistance

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…

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…
Financial Assistance

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…
Financial Assistance

Hosting a Halloween Party that Won’t Haunt your Budget

Does Halloween invariably freak out your October budget? Research says it deserves its own line item, with the 175 million consumers expected to spend an average of $86.79 – or $9 billion – on the holiday, according to the National Retail…