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Holiday shopping can lead to credit card debt traps

The holiday shopping season is in full swing, and many Kansas shoppers are feeling generous. The economy seems to be doing better, the job market is improving – many shoppers may feel like it’s safe to spend a little more on gifts this year with a credit card and pay off the balance in 2014…. Read More »

Avoiding bankruptcy in the New Year

A new year can equal a new financial you. As 2014 starts, many are focusing on financial renewal in the New Year. Below are some tips that may help individuals get their financial house in order. The first thing that should be tackled is discretionary spending. This is a category where the battle for fiscal… Read More »

Preventing credit card denials

Using credit cards is a convenient way to pay for merchandise. However, this convenience can become a source of embarrassment when a charge is denied. Though many people use credit cards on a daily basis, very few people know all the things that can trigger a denial on a purchase. When a purchase exceeds the… Read More »

Baby boomers preparing for bankruptcy instead of retirement

Retirement looks a lot different to baby boomers in Kansas than it did for their parents. The idea of retiring to relax and play golf is unappealing to some and unattainable to others. The reality of the current economy is changing the way boomers and the generations to come after them, will approach retirement. A… Read More »

Celebrating Valentine’s Day with your wallet

For some people Valentine’s Day is an exciting time to show how much you care for a loved one. For others, Valentine’s Day will be the day that they get a long awaited marriage proposal. However Americans choose to commemorate the day, it usually involves spending some amount of money. Those who keep track of… Read More »

Habits that can hurt a person’s budget

Let’s spend a little time this week discussing spending. More specifically, there are seemingly small spending habits that may be costing Kansas debtors big time. Little things like an occasional restaurant lunch to the re-design of a debtor’s favorite laundry detergent bottle may secretly bust their budget. It is estimated that most Americans eat out… Read More »

How debt can negatively shape your future

There is a four-letter word that can upend a person’s life. It is not profane in origin but can create an avalanche of grief in one’s present and future financial status. This word is debt and Americans are carrying a heavy load of it. On average, most Americans owe over $200,000 in debt. A big… Read More »

Using a cash only spending plan to eliminate credit card debt

Conventional wisdom states that a four-year degree is essential to financial success. However, many who graduated during the 2008 recession felt less than successful when job opportunities were slim. After a slow start, many are now getting back on track. May 2008 college graduates were met with one of the worst recessions since that of… Read More »

Credit card bills and other consumer debt on the rise

Consumer debt has been rising dramatically in recent months, and the Federal Reserve says this is a sign that people are feeling more confident about the economy. However, as many Kansas residents know, there’s a less upbeat flip side to taking on credit card debt, student loans and car loans. According to the Federal Reserve,… Read More »

Financially preparing for retirement

Graduation season is here again. Caps and gowns are donned with pride as proud family and friends look on with smiles and cheers. With the average graduate leaving college with a debt of over $35,000, there may not be much to cheer about. Once the ceremony is over, graduates must face the realities of launching… Read More »