Financial Education and Outreach

Beware of COVID-19 Related Scams

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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

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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

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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…

Budgeting in a Crisis: What to do when your Income Suddenly Drops

As countries continue to increase the restrictions of our normal everyday lives due to COVID-19, it’s easy to get overwhelmed with the financial burden that is being placed on Americans right now. In some industries, such as hospitality, working…

The Five Factors Contributing to Your Credit Score

Have you seen your credit score recently and been less than thrilled with your report? Potential lenders use this score, along with your credit history, to determine your future ability to repay the credit they consider extending you. The first…

Why You Need a Credit Report Review

Have you been getting bombarded with emails about credit reports?  Emails with subject lines like “instant credit report” or “your credit report may have changed” are trying to sell you a product that you can get for free. The Fair…

An Affordable Valentine’s Day: Romance on a Budget

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When you picture a couple celebrating Valentine’s Day, do images of romantic dinners in fine restaurants and extravagant gifts come to mind?  If you’re in the process of improving your financial health, these traditional festivities might…

New Year’s Resolutions to Build Wealth

Hopefully, you are going strong in achieving your new year’s resolutions.  Common goals usually revolve around weight loss but do not forget about the other areas of your life that might benefit from fresh goals.  That way, if you fall off…

Financial Success amidst the Holiday Season

We have entered the most financially stressful time of the year; the Holiday season. Regardless of what holiday your family celebrates, there are an abundance of gifts being exchanged during the month of December and the expense of all that…

Strategies for Meaningful Holiday Gifts on a Budget

The parking lots at the shopping plazas have started to reach chaos status on the weekends.  Some people are window shopping in anticipation of Black Friday deals and others are getting a jump on their gift purchases.  Gift giving at the holidays…

Lifestyle Choices to Ensure Long-Term Financial Security

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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

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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?

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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

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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,…

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…