Understand the Federal Tax Deferral before it’s too Late

,
If you are a federal employee or member of the military, the 6.2% social security tax withholding on your regular paycheck is currently on a mandatory deferral until January 2021 if your taxable wages are below a certain threshold; $4,000 per…

Positivity in a Pandemic

The news, social media and likely your phone calls with friends lately have been filled with doom and gloom.  COVID-19 has changed our lives. For many people, the changes have not been welcome or enjoyable and are far from over.  There will…

Affordable Summer Fun while Social Distancing

,
Every summer brings the challenge of trying to cram as much fun into two months as possible without depleting your bank account.  Summer of 2020 brings the added challenge of having fun while following the CDC recommendations for social distancing.…

Spring Cleaning Your Bank Account to Improve Your Financial Health

, ,
Now that you are spending more time at home, your financial situation has likely changed.  Your income may have decreased due to the pandemic and you cannot spend money on shopping and entertainment like you once did. As a result, your bank…

Budgeting in a Crisis

,
We are a few months into the COVID-19 pandemic and the effects are being felt hard by Americans, especially financially.  While states are starting to lift restrictions, the economy will not automatically bounce back.  We need to prepare to…

Beware of COVID-19 Related Scams

, , ,
It seems that overnight our world has turned completely upside down.  As quickly as we all started working from home, social distancing and hoarding toilet paper, scammers and hackers created new ways to try to take advantage of us during this…

Teaching and Entertaining Your Kids During Social Distancing

, ,
Social Distancing is hard for everyone and those with kids at home really know how long it can take for an hour to go by.  Since the COVID-19 crisis, many great resources for entertaining children at home have popped up.  From virtual field…

Supporting your Community during Social Distancing

,
As social distancing becomes more intense, our communities are suffering financially.  Individuals are losing their jobs on a short-term basis and small businesses are working harder than ever to keep their operations going.  While we all…

Lifestyle Choices to Ensure Long-Term Financial Security

, ,
Building financial security is all about finding that balance between planning for the future and living a comfortable lifestyle today. It’s never too late to turn your financial health around and the more committed to a healthy financial…

Online Financial Scams to Avoid

,
Technology has made everyone’s lives easier, including criminals. From identity theft to online scams, every year, criminals find new ways to use technology and the internet to commit fraudulent acts. These acts are designed to separate you…

Why Join a Workshop or Webinar with CCCSMD?

, , , ,
At CCCSMD, our goal is to help you overcome financial hurdles by teaching you how to manage income, credit, and debt. By teaching our clients how to do this on their own, we know you’ll prosper independently with the skills you need to succeed. With…

Budgeting for Travel in Retirement

, ,
Retirement means entering a phase of life where you get to do things you love and have longed to do, like travel. Retirement means an end to the 9-5 grind, but it’s also an end to steady paychecks. This means relying on your savings, pension,…

Savings Part 3: Savings made simple

, ,
Having some money stored away is one of the best feelings I have ever had.  I don’t crave being rich but I do crave feeling secure. Having a savings account buys me that security and makes me ready to face whatever challenges are thrown my…
Guidewell financial solutions = CCCSMD

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…
Guidewell financial solutions = CCCSMD

Happy Small Business Week, From Our Small Business to Yours

, , , ,
The national Small Business Week logo may feature a series of storefronts, but as a leading nonprofit financial counselor for small business owners, we know that many of them operate outside of Main Street, USA. Maryland has more than 580,000…