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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. 3475
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. 678
Entrepreneurial Money Management Marci talks about the financial issues & concerns business owners’ face when running their own company. 61
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. 794
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. 138
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. 2904
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. 198
  • A Straight Talk on Debt

    Don't Throw Away Junk Mail Without Reading it!

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    There's at least one piece of junk mail in my mailbox every day. There are repeat offenders such as credit card offers, which I get extreme pleasure out of putting them immediately through the shredder, the realtor that we used to buy our home, and even ads from grocery stores. 

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  • A Straight Talk on Debt

    Frugal but Healthy Home Remedies from Grandma’s Time

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    As with any medicine, these homemade remedies may not taste good but they will give excellent relief for colds, coughs, sore throat and congestion. 

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  • A Straight Talk on Debt

    Sometimes Money Doesn't Matter

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    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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  • A Straight Talk on Debt

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

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    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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  • A Straight Talk on Debt

    Three Reasons I Need to Reconcile my Checking Account Every Day

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    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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  • A Straight Talk on Debt

    Use Trick-or-Treat Coupons to Save Money

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    The year I did that I felt so guilty and I missed out on so much fun talking with the tricksters. I didn't put out my famous "glowing and making creepy sounds" pumpkin so I couldn't chuckle when the littler kids (and some of the big ones too) screamed and hugged their mom or dad's leg for protection. That Halloween was nothing but a bummer! 

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  • A Straight Talk on Debt

    Three Steps to Keep From Being Overcharged for a Flu Shot

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    It was an activity that was supposed to save us time, but it almost ended up costing us money. With cooler weather and colorful trees it's quite evident that its fall, which means it's also time to get our yearly influenza vaccine. 

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  • A Straight Talk on Debt

    How To Get Your Money Back If You Never Receive Your Purchase

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    Over the course of a week, I sent a total of two emails and made four phone calls. None of which extracted a response from the company. 

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  • A Straight Talk on Debt

    Retirement; How's it Going for You

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    I have read many articles where financial advisors are saying that to live out your  retirement years and not run out of money you need to sock away a couple of million dollars prior to retirement. WOW! I don't think I made a couple of million dollars in my entire working life. 

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  • A Straight Talk on Debt

    Teaching Kids the Meaning of Value

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    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

    6 Unexciting but Necessary Living Expenses, and How to Minimize Them

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    Here are six unexciting but necessary living expenses, with some techniques to minimize them.

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  • A Straight Talk on Debt

    Squeezing Out Every Drop of Value

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    Occasionally, my wife would come visit me next to my grill, look at my broken down charcoal starter and tell me I should get a new one. I would just shake my head, refusing to shell out $15 for a new one. I didn't care how ugly my chimney was, or how nonfunctional it appeared.

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  • A Straight Talk on Debt

    Just Curious...What Things Will/Won't You Splurge on

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    I shared the questions with my husband and he stopped cold in this tracks. What were we thinking? We were very nearly on the verge of blowing our budget big time with absolutely no regrets - just thoughts of fun, fun, fun! We decided to sleep on this and see how we felt tomorrow. 

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  • A Straight Talk on Debt

    Three Ways Your Smart Phone Can Save You Money

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    Here are three ways I use my smart phone to keep me on budget, and get the most for my money.

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  • A Straight Talk on Debt

    If You Have a Pet, You MUST Have an Emergency Fund

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    My daughter had used the time to search the internet and had managed to match our cat's symptoms to a serious feline disease. When my wife and I got home, our daughter was very upset which resulted in my wife also becoming quite upset about the state of our cat. A few phone calls later, we were off to the vet.

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  • A Straight Talk on Debt

    How to Make a Good Meal Great

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    We were planning to throw some Mahi Mahi and asparagus on grill, and had more than enough to share with our friends. They responded via text and said they already had a tri tip roast on the grill, and were making mashed red potatoes as a side. We suggested combining dinners at our house.

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  • A Straight Talk on Debt

    Dining Out Doesn't Have to be a Budget Buster

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    One of our favorite things to do is get dressed up and have dinner at a nice restaurant. We are able to do this just as we have done everything since retirement - by looking at things differently and thinking out of the box. 

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  • A Straight Talk on Debt

    Debt Limits Your Back to School Shopping Choices

    • 2 Comments

    I showed Vonnie, and we both shook our heads. We both knew that in years past, we would have been forced to overpay, and buy the $60 backpack because we were in one of the stores for which we had a store credit card.

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  • A Straight Talk on Debt

    Making the Most with What You Already Have

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    We don't feel we are doing without or that we are not enjoying life. Instead, choosing what is really important and saving our money for it has become an imaginative, fun challenge. We aren't living the life we had before retirement; we are enjoying a totally new way of thinking and living. 

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  • A Straight Talk on Debt

    Manual vs. Electric Razors; Which is Cheaper?

    • 2 Comments

    Before committing to one or the other, I did a little price comparison to see which would be the better choice.

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  • A Straight Talk on Debt

    Credit Card Balance Protection Insurance (and Why it Sucks)

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    Credit card balance protection insurance comes in a few different varieties; depending on the kind you have, it could pay out in the event of an involuntary job loss, disability, critical illness, or death.

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  • A Straight Talk on Debt

    My Master Plan to Use Credit Cards Responsibly

    • 6 Comments

    I didn't think I could ever trust myself to keep from falling back into the trap of revolving credit by paying the balance in full each month. A lack of communication with my wife, and a sense of entitlement resulted in credit card abuse resulting in $109,000 of credit card debt. 

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  • A Straight Talk on Debt

    Hints From the Stock Piling Queen

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    How do you decide what to stockpile? I looked at our needs and went from there. Canned goods are very easy to stockpile because there is usually a sale on canned goods weekly. When something was on sale that we ate and liked such as green beans; instead of buying the sale quantity, I doubled and sometimes tripled what I bought. Pay close attention to the outdates of whatever you buy. I'm buying canned goods with 2 to 3 years forward outdates. 

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  • A Straight Talk on Debt

    Never Forget You're in Love

    • 3 Comments

    Going through an intense debt elimination program, it's easy to make it the focus of your life. It's easy to think that working on your relationship is something that will have to wait until you get your financial footing back. 

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  • A Straight Talk on Debt

    Tips to Make Extra Cash...Fast!

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    My husband and I are retired and living on a fixed income and have tried many things to supplement our finances.  Some ideas have worked and some have not. Some have created a great deal of "fast cash" and others have only generated a small amount. 

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