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A Straight Talk on Debt A Straight Talk on Debt gives you the real deal on debt, straight from our employees and personal finance experts. Learn more about debt relief plans and how to be financially fit. 5509
CareOne Debt Discussions The employees of CareOne Services, Inc. understand debt, many have experienced their own personal debt challenges. Learn more about why the employees of CareOne understand what it is like to struggle financially. 862
Entrepreneurial Money Management Marci talks about the financial issues & concerns business owners’ face when running their own company. 98
Life Balance Nora and Tim help you find balance when dealing with a stressful debt situation. Learn how to manage stress and enjoy travel without breaking the bank. 917
Major Life Challenges Blog Series We are taking a closer look at some of the big issues we all can face in our lifetime. Each topic will be featured as a blog series. 1386
My Journey out of Debt Featured customers currently enrolled in a CareOne Debt Relief Plan, share journey to become debt-free; hear how they juggle family, finances, and more. 3124
Savvy Spending Savvy Spender knows how to pinch a penny and about being on a budget. She has learned great ways to save money on everyday expenses. 223
  • A Straight Talk on Debt

    Will my Debt Management Experience be Worth it?

    • 622 Comments

    My request was declined because my debt-to-income ratio was still higher than the bank's liking. This is AFTER we've paid off over $70,000 of credit card debt through our debt management plan.

    ...
  • Major Life Challenges Blog Series

    7 Things to Know about Paying Off Medical Debt

    • 563 Comments

    Oftentimes when a family is faced with medical debt the added expense pushes them over the edge financially. Many of us are over-leveraged financially and not in a position to fall back on emergency savings or even credit cards to pay the bills incurred from a medical emergency. 

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  • A Straight Talk on Debt

    Mortgage Life Insurance - and Why You Don't Need It

    • 288 Comments

    With mortgage life insurance, if you (the mortgage payor) die, your mortgage is paid off in full. For this privilege, you pay a monthly premium along with your mortgage payment. If you decline mortgage life insurance when applying for your mortgage, you often need to sign waiver forms declining it, which might make you think twice about your decision. This is to protect the bank, since they want to do everything they can to ensure the money they lend you is going be paid back.

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  • My Journey out of Debt

    Sacrificing to Become Debt Free

    • 286 Comments

    It's hard to sacrifice.  We're a full year into our projected five-year Debt Management Plan to get out of debt, and after all the budget cutting, downsizing, and life-simplification projects, I'm finding that I'm not yet done cutting the excess fat out of my life in order to effectively live within my means. 

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  • A Straight Talk on Debt

    Three Reasons I Need to Reconcile my Checking Account Every Day

    • 282 Comments

    She was right; I had not collected their payment since the end of the school year in the spring. My wife and I been in the habit of looking at and reconciling our checking account each morning.

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  • My Journey out of Debt

    School Lunch vs. Lunch Box

    • 275 Comments

    Across America, the sounds of school buses are again filling the crisp morning air.  Children run toward the bus stop with backpacks filled with pencil boxes, folders, notebooks, and lunch boxes.  School lunch proposes a dilemma for many parents. Should you send a lunch from home, or have them eat school lunch?

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  • Major Life Challenges Blog Series

    Financial Aid for Hospital Bills: Do you qualify?

    • 275 Comments

    If you don't have health insurance or lack adequate coverage you may be able to participate in the hospital's financial aid programs.

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  • Major Life Challenges Blog Series

    Can you Budget for Medical Expenses? Of course you Can!

    • 270 Comments

    The best approach to dealing with unexpected expenses is to make them a part of your monthly budget so they don’t become debt down the road.

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  • A Straight Talk on Debt

    What to Expect Month One on a Debt Management Plan

    • 152 Comments

    An old cliché is the longest journey starts with the first step. This is true when you enroll in a debt management plan as well the first month is probably one of the most important times during your entire Plan. This is especially true if you are behind with your accounts, or are about to be.

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  • My Journey out of Debt

    Halloween Screams, for Next to Nothing

    • 131 Comments

    Last year it was our turn to host the pre-trick-or-treat festivities.  My wife always looks for ways to take things "up a notch" and make events just a little extra special and a little more memorable. 

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  • A Straight Talk on Debt

    Prepping for the Holidays on a Debt Management Plan

    • 118 Comments

    I started buying gifts throughout the year at sales and even garage sales. I've already got the majority of my Christmas shopping for 2013 finished. The items are hid away in the closet, picked up at sales as I see them throughout the year. So, I just need to wrap them.

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  • My Journey out of Debt

    Frugal Retirement: Let’s Talk About “Limited Income”

    • 116 Comments

    I would like to share with you some of the things we have done to improve our limited income situation.  It has been a long journey and we have learned that to be successful in supplementing a limited income you need to change the way you think about money and everything around you. 

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  • A Straight Talk on Debt

    Teachers: Broaden Your Horizons by Teaching at International Schools

    • 95 Comments

    The term International Schools is a catch-all for schools abroad that teach a curriculum different to what is offered locally (and in a different language, such as English), often to children of expats or employees of foreign embassies. Sometimes they're called American Schools, British Schools, or even DoD (Department of Defense) schools.

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  • A Straight Talk on Debt

    Sometimes Money Doesn't Matter

    • 77 Comments

    I dropped to my knees and rested my head on her stomach. I put her hand in mine and looked into her wet brown eyes. I told her that I understood why she would think that given the financial lessons I have been trying to teach her.  It was not OK to miss dance class because she'd rather stay home and play a computer game, or hang out with her friends. That would be wasting money.

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  • My Journey out of Debt

    Would You Blow Your Budget to Leave a Tip?

    • 77 Comments

    When my wife and I really started tracking our expenses, we found that by far restaurant dining made up the largest sum of our weekly spending.  Now that we have a better command of our spending, eating out is much less common; but, when we do eat out, we set a budget for each meal. 

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  • My Journey out of Debt

    The 5 Financial Habits I’ll Keep

    • 73 Comments

    So, my savings goal has certainly changed; however, the remaining habits have stuck and should continue not only throughout the rest of the year, but for the rest of my life.

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  • CareOne Debt Discussions

    Commingling Your Finances: When Love and Money Come Together

    • 73 Comments

    It used to be that when two people decided they loved each other, they got married and opened a joint checking account. But in today's world, there's plenty more to consider. Dual incomes, living together when you're not married, and supporting a child from a previous relationship are just a few of many situations that can make the "money dance" between couples even more complicated. I'll leave finding the guy or gal of your dreams to you, but when it's time to bring your money together, here are some tips for each stage of the process.

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  • My Journey out of Debt

    It's New to You

    • 66 Comments

    People buy used cars and houses all the time, why would purchasing other items used be any different? 

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  • My Journey out of Debt

    Three Years in; Life on a Debt Management Plan

    • 61 Comments

    When I signed on, I had A LOT of debt.  When I learned I would not be debt free for five years, I was discouraged and thought about not doing it...then I figured out how long it would take me if I tried to do it on my own.  Yikes.  Now, in a blink of an eye, I am about two years away from being completely debt free. 

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  • A Straight Talk on Debt

    Teaching Kids the Meaning of Value

    • 59 Comments

    I was honestly surprised at what I was hearing. My memory of 7th grade was a time when who you hung out with and what you wore became extremely important to your social status. Having a plain organizer is the sort of thing that a bully could easily latch on to. But here was my daughter more concerned with being able to properly organize her school work than impressing her class mates.

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  • A Straight Talk on Debt

    Internet Shopping...My Latest Money Saver

    • 59 Comments

    Surprisingly, I have also found that sometimes it is cheaper to purchase something from a company's website than to go into the store for it.

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  • My Journey out of Debt

    You're Debt Free, Now What?

    • 57 Comments

    Your final payment has been made, and you've contacted your CareOne representative to let them know you will be finished with your plan.  Wow!  You are officially debt free! 

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  • Life Balance

    Do You Really Need It? 8 Expenses You Can Cut Out of Your Life

    • 53 Comments

    If you take a critical look at absolutely every penny you spend - a really detailed examination - you might realize that your money is going to a number of places that it doesn't need to go.

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  • My Journey out of Debt

    Food Squirreling...It's a Real Thing I Promise

    • 53 Comments

    This happened only by pure luck, but was there a way to have this sort of lunch available to me all the time?  As I was pulling out of the driveway, I noticed a squirrel climbing the tree in my front yard with a nut in his mouth, and my new lunch strategy was born.  I was going to be a squirrel.

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  • Major Life Challenges Blog Series

    The Cost of Mental Health

    • 49 Comments

    “About one in four adults in the United States suffers from a mental disorder in a given year, with about 6 percent suffering from a serious mental illness.” Mental health issues can cause a multitude of complications including a strain on your finances.

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