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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. 3577
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. 681
Entrepreneurial Money Management Marci talks about the financial issues & concerns business owners’ face when running their own company. 62
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. 800
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. 684
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. 2925
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. 201
  • CareOne Debt Discussions

    Summer is Coming and So Are Those Higher Energy Bills

    • 0 Comments

    ARRRGGHHHH! I think everyone in my apartment complex heard me scream when I opened my latest energy bill. Dear Hubby and I live in a two bedroom apartment and our most recent energy bill was $102.23, which is a $41 increase in just one month.

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  • A Straight Talk on Debt

    Top 10 Things To Be Successful On a Debt Management Plan

    • 4 Comments

    For many, they see joining a DMP as a fresh start financially, and taking a more proactive approach to correct their past mistakes..

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  • CareOne Debt Discussions

    Little Luxuries We Love Can Be Costly

    • 0 Comments
    Hurrah! After three months of job searching, Dear Hubby has started a new job and finally received his first paycheck. Two people living on one salary while relocating to a new state and trying to sell a home has been quite stressful. We’ve had to make major adjustments in our spending habits, and truthfully, it has not been fun for a Diva like me. To celebrate Dear Hubby’s first pay check... ...
  • A Straight Talk on Debt

    The Mortgage Mess

    • 6 Comments

    If you find yourself in a situation where you are no longer able to afford your mortgage payment, try the following strategies to strengthen your finances and help manage your mortgage commitments.

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  • A Straight Talk on Debt

    A New Car with Good Intentions

    • 0 Comments

    The purchase of a vehicle is generally the second biggest purchase most Americans will make, with their home being the first.

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  • CareOne Debt Discussions

    Avoiding Pain at the Pump!

    • 5 Comments
    Hello Savvy Consumers! It’s been awhile since I last wrote you, and I’ve been diligently working to find new ways you can help shrink you budget and save money. This is no easy task as prices on just about everything seem to be rising. As I pulled my car into the local gas station this week, I gasped at the cost of a gallon of regular fuel -- $3.19. Talk about sticker shock! It’s hard to believe that just ten years ago, I paid about $1.15 per gallon. If you’re like most Americans, the cost of fuel is taking a big bite out of your monthly budget. Unless you live in a city without public transportation, you likely drive everywhere you have to go – work, the grocery store, shuttling the kids to school and extracurricular activities. You may wonder...
  • A Straight Talk on Debt

    My Story

    • 13 Comments

    In the late 1980s, I was a struggling young father in my 20s who was going through a divorce and trying to make ends meet. In an effort to seek help managing my debt, I took the advice of a lawyer and declared bankruptcy. It was a huge blow to my self-esteem, but it made an important impression on me. I was committed to learning more about managing money, investing, saving, and making my money work for me. What I soon discovered is that most financial companies only help people who have lots of money, not people who are struggling to live paycheck to paycheck and pay their bills on time.

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  • A Straight Talk on Debt

    Banks Make Up Losses on Consumers Dime

    • 0 Comments

    With banks losing money through their mortgage investments and the current credit crunch; they are turning to other portions of their business portfolio to make up the losses.

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  • CareOne Debt Discussions

    One Option to Conquering Your Debt: Self Help Never Felt So Good!

    • 1 Comments
    So you realize you’re in too deep with your debt. What are you going to do? The good thing is there are several solutions, but they all take action on your part to successfully become debt free. Your first and most important option is to help yourself out of the situation you’ve gotten yourself into. Sometimes the hardest part is to just get started. Where do you begin? I suggest writing down everything that you owe. Sometimes we are sending out so many payments to so many different creditors that we’ve completely lost track of exactly how much we owe. This usually is a sobering experience. Now you need to figure out if your debt is a problem you can handle yourself. If you are current on your payments and the interest rates on your credit cards...
  • A Straight Talk on Debt

    How Does This Proposal Thing Work Anyhow?

    • 9 Comments
    When someone joins a Debt Management Plan, waiting to hear whether their creditors accepted the proposed payment plan can cause a lot of anxiety. I believe that what really causes this stress is not understanding the proposal process. This post will hopefully demystify this crucial part of the DMP and put you more at ease as you wait to see if your creditors accepted the terms of the plan. A proposal is what CareOne sends to the creditors within a day or two of your first payment. The proposal is sent close to the payment date because we want to set the tone with the creditor that you are serious about paying off your debt through the DMP. We estimate the proposed payment amount based on the balance of the account and some guidelines established...
  • CareOne Debt Discussions

    When You Hit Rock Bottom, The View Isn't Very Pretty

    • 4 Comments
    No one likes to admit they’re in trouble – especially when the “trouble” is financial. No one likes reaching out to others for help – especially for a financial issue. Many people will continue to spend themselves into oblivion rather than make the sacrifices needed to pay off their debt and build a savings. Let’s get serious folks; it’s not fun to be broke. But when you are, you have to make changes in your lifestyle in order to stay afloat. One of my most interesting experiences was participating in a focus group of consumers talking about their debt. I was amazed at one participant’s attitude. Creditors were calling her everyday about overdue bills, and she was still planning a lavish vacation for her family. Was she in total denial? Did...
  • A Straight Talk on Debt

    More Debt Does Not Help You

    • 0 Comments

    We are bombarded daily with advertisements promising that more credit will help. This is not the case!  

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  • CareOne Debt Discussions

    Honesty is the Best Policy

    • 0 Comments
    This week actually went quite well with my new budgeting strategy -- no giving way to temptation, no purchases that sabotaged my bank account! As I did my weekly grocery shopping, I selected the generic items, and I always asked myself, “Is this item something that I need or is it something I want?” The needs (bread, eggs and veggies) went into the basket and the wants (magazines, soft drinks and chocolates) stayed on the shelf. This was a big win! I rolled my shopping cart out of the store with a smile of self-satisfaction. No sooner had I dropped the groceries on my kitchen table when the phone rang… ...
  • A Straight Talk on Debt

    Open a Store Card and Save 10%

    • 1 Comments

    It is almost impossible to purchase anything these days without hearing the phrase, “Would you like to open a store card and save 10%?”

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  • CareOne Debt Discussions

    Getting It Together!

    • 0 Comments
    O.k…It’s 14 days into the New Year, and I must admit that this whole money saving, cutting back expenses resolution is quite challenging. Truthfully, I’ve been trying to pinch pennies here and there, but starting out the year, I was just “winging it” when it came to my finances. Trust me, I know better, but like most people who juggle work and family responsibilities, I haven’t had time to really focus. So I took about 30 minutes on a Monday night to revisit my budget and make some modifications to accommodate my current household income. I’m the kind of person who likes to keep track of my expenses by writing everything in a notebook, but I tried something new. I used the Budget Planner under Tools & Tips on the CareOne site to calculate...
  • A Straight Talk on Debt

    Your Top 3 DMP Questions Answered

    • 9 Comments

    Enrolling in a Debt Management Plan is a huge step for many struggling with debt. Many are skeptical at first and frequently ask these three questions after enrollment.

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  • CareOne Debt Discussions

    Debt Diva's 2008 New Year's Resolution

    • 0 Comments
    My, my, my, how time does fly! It’s already a brand new year and time to think about all those exciting new challenges 2008 will bring. I have traditionally made New Year’s resolutions. I love the idea of making a life-changing commitment and then coming up with a strategy to accomplish that goal. Unfortunately, real life has a tendency of getting in the way of my fabulous dreams and aspirations. My past resolutions become recycled each year in January. And no, I still can’t seem to get it together and run a marathon, lose 10 pounds and meditate three days a week. This year though, things are going to be different. Why? Because I’m actually going to make a resolution that I must achieve for my financial well being. I’m going to reduce my monthly...
  • A Straight Talk on Debt

    Creating SMART Goals

    • 1 Comments

    The problem is they are not exact and defined, and most people are bound to fail with these goals. If you don’t have a target, how can you hit it?

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  • A Straight Talk on Debt

    Taking an Active Role in your Debt Management Plan

    • 2 Comments

    It's important to take an active role in your plan and understand what you can do to ensure your success.

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  • A Straight Talk on Debt

    Pay Day Loans: A Sucker Bet

    • 3 Comments

    A few months later you have five or six payday loans and each of the lenders are taking money out of your checking account. 

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