Credit Counseling Help For Single Mothers

Surviving debt and improving your credit score are not easy. Sometimes credit counseling can help you understand your budget and payments, and help you get back on track.

Learn to be Your Own Credit Counselor

December 5, 2011

When the budget is tight and it is becoming increasingly hard to make bill payments on time, the horrible thought that the single mom needs the assistance of credit counseling comes to light. Don’t let the idea be a negative thought. It doesn’t mean you are not a good mom or provider. It shows that you are [...]

5 Signs You Need Credit Counseling

Thumbnail image for 5 Signs You Need Credit Counseling June 10, 2011

Credit counseling is not just for those facing bankruptcy. Many people can benefit from credit counseling, especially cash-strapped single moms struggling with debts. If you are toying with the idea of going to counseling, make sure you do not ignore any of these signs you need credit counseling: 1. You regularly spend more than you make [...]

The National Foundation for Credit Counseling

Thumbnail image for The National Foundation for Credit Counseling May 2, 2011

Once the single mom realizes her financial situation calls for seeking help from an outside source, she usually wants to start looking for a credit counselor right away. Some businesses that offer credit counseling have regular business hours, while other offer online ability to begin the journey to financial responsibility right away, not matter what [...]

Financial Situations: When is Credit Counseling Needed?

Thumbnail image for Financial Situations: When is Credit Counseling Needed? April 2, 2011

It’s important for a single mom to react quickly when she finds out that she’s headed for financial problems.  Sometimes it’s difficult to recognize the signals that outside guidance is needed when it comes to managing the finances. And once it becomes obvious that the financial plan isn’t working out, many single moms are reluctant [...]

Tips to Finding a Reputable Credit Counselor

March 10, 2011

If you’re having a hard time managing your budget, seeming to fall farther and farther behind each month, you could need a credit counselor. Many of the counseling organizations are non-profit organizations, but that doesn’t mean that you won’t pay for their services. It doesn’t even mean that they are legitimate. The Federal Trade Commission [...]

Credit Counseling: They Advise, You Decide

February 4, 2011

It’s not payday yet, but the cash is gone and important items have all been used up. You know you’ve been in this situation many times before and it’s always worked out, but life would be so much easier if you could just get rid of the stress that adds to the burden of raising [...]

Add Honesty to the List to be Presented to the Credit Counselor

Thumbnail image for Add Honesty to the List to be Presented to the Credit Counselor January 30, 2011

Gathering up your income information, preparing an accurate budget, listing your assets and compiling a list of your credit card debt is a good start to preparing for your initial appointment for credit counseling. To get the most out of the session, however, be prepared to be able to answer some personal questions with brutal [...]

How To Negotiate Lower Payments On Just About Anything

December 5, 2010

Single moms often struggle to make ends meet, and that means they might often have several payments hanging over their head. Sometimes, between putting food on the table and clothes on your kids, the question is not who to pay first, but who will actually get paid this month. But what if those payments were [...]

Credit Counseling And What To Look For

December 4, 2010

If you are like most single moms, you probably struggle with credit card debt to some extent. If your credit card debt is getting out of hand, you may be wondering about the credit counseling services that you see advertised all of the time. Are these worth your time, effort, and money, or are they [...]