Debt Stress Shapes Holiday Spending in America Many Americans feel more stressed about debt this holiday season. Because of this, fewer people are spending freely. Instead of acting like Santa, many shoppers feel more like Scrooge. An Associated Press–GfK poll shows that 93% of Americans plan to spend the same or less than last year. […]

Plan Ahead to Avoid a Financial Holiday Hangover Does this sound familiar? You use credit cards for holiday shopping and plan to pay them off quickly. Months later, you are still paying the bills. Those “great deals” end up costing 10–20% more because of interest. Many Americans repeat this cycle every year. Financial experts call […]

Understanding Your Free Credit Report Written by: Andrew Bernstein Financial Literacy and Credit Reports While conducting Financial Literacy Awareness Seminars across South Florida, I often cover one important topic: how to get a free credit report. When I ask the audience, many people quickly respond with answers they have seen on TV ads. Unfortunately, most […]