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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. 5524
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. 863
Entrepreneurial Money Management Marci talks about the financial issues & concerns business owners’ face when running their own company. 99
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. 919
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

    Perfect Presents for Travelers

    • 21 Comments

    Here's how to keep your stuff safe while traveling:

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  • A Straight Talk on Debt

    Three Steps to Keep From Being Overcharged for a Flu Shot

    • 20 Comments

    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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  • Life Balance

    Educating Your Children about Money, Part Two: Guidelines

    • 20 Comments

    This article will deepen the timeline by giving you some additional tips to ensure your kids have a healthy relationship with money, right from the start.

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  • My Journey out of Debt

    Running the DMP Marathon

    • 20 Comments

    I've completed two marathons in my life. Training for a marathon takes dedication, self-discipline, and time. In many ways, getting out of debt by enrolling in a Debt Management Plan is a lot like training for a marathon. 

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  • Life Balance

    Find the Power in Tracking Your Expenses

    • 20 Comments

    One of the reasons budgets fail is because a crucial first (and ongoing) step is missed in the budgeting process: tracking your expenses.

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  • My Journey out of Debt

    Would You Lie to Your Wife to Save $1.29?

    • 19 Comments

    The difference is that I am willing to at least try anything generic to see how it tastes or works before deciding whether to purchase it consistently. My wife tends to dismiss generic items simply because they're, well, generic.

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  • My Journey out of Debt

    What’s Your Weakness?

    • 19 Comments

    Well, for obvious reasons, for a long time my "can't say no" was credit cards.  I was young, and they were great; I could buy what I wanted, when I wanted, and nothing came out of my bank account! 

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  • A Straight Talk on Debt

    Let's do the Thermostat Limbo

    • 19 Comments

    It's January and in the Midwest it's cold outside. However, now that I'm the adult and responsible for paying for the heating bill, I'm much less interested in keeping my home at a tropical temperature. But I'm also not interested in having the same arguments with my family about the thermostat setting.  

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  • A Straight Talk on Debt

    The Debt Management Plan Proposal Process

    • 19 Comments

    Deciding to enroll in a CareOne Debt Management Plan (DMP) can be a big step for some of our customers. Realizing the debt problem exists and taking action to correct it is the first step. Making the first payment and tracking your proposals are the next two very important steps!

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  • A Straight Talk on Debt

    How to Make Money Without Actually Spending Money

    • 19 Comments

    We call it "junking" and you can make as much or as little as you want.  All you need to get started junking is a good eye for items that can be repurposed or brought back to their former life and then sold for a profit. 

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  • My Journey out of Debt

    Tax Season-It All Add's Up!

    • 18 Comments

    If you're enrolled in CareOne's Debt Management Plan like me, you keep a watchful eye on the progress tracker to see how much your debt has decreased, and how much time you have left on the plan.  Like me, you may also fantasize about the day when you become debt free, 4 years and 5 months from now, for me.

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  • CareOne Debt Discussions

    Win $100 with the Debt Diva Giveaway

    • 18 Comments
    As part of my Frugal & Festive Holiday Guide, I am happy to announce The Debt Diva Frugal & Festive Holiday Giveaway! I want to hear your thoughts on five frugal and festive topics. You will have a chance to enter and win one of five $100 Visa gift cards! You may enter for a chance to win on: Wednesday, Dec. 3 Thursday, Dec. 4 Friday, Dec. 5 Monday, Dec. 8 Tuesday, Dec. 9 ...
  • A Straight Talk on Debt

    Did Stocking Stuffers Blow Your Holiday Budget?

    • 18 Comments

    We added stockings for our two kids as they entered our lives, but I always followed Vonnie's lead when it came to filling them.

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  • A Straight Talk on Debt

    I'm Good Enough

    • 18 Comments

    Next were school supplies. I could barely look as my wife plugged the numbers into the calculator. The amount left was what we had for school clothes.

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  • My Journey out of Debt

    7 Financial Tips I Picked up From the Wealthy

    • 17 Comments

    I think we can learn quite a bit from the wealthy when it comes to priorities and money.  They know where to put it, how to invest it, but more importantly, where not to spend it.

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  • A Straight Talk on Debt

    What to Expect Month Two of a Debt Management Plan

    • 17 Comments

    You have now started your second month on the DMP. During the second month there are generally two groups of customers; those who made their first payment in the first month (A) and those who postponed their first payment to the second month (B). There are an additional small number of people who may call and change their payment to the third month and unfortunately usually do not fare well on their Plan. It is about the creditors receiving a payment, not just being “enrolled” in a program.

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  • CareOne Debt Discussions

    The Debt Diva's March Giveaway – 30 Ways to Increase Your Income!

    • 17 Comments
    Everyone can use a little extra money these days. I am happy to announce a new giveaway starting TODAY! This is The Debt Diva's March giveaway – 30 Ways to Increase Your Income! I’ll be sharing my ideas in thirty blog posts, and I want to hear your own personal strategies for increasing your income. You will have a chance to enter and win one of four Visa gift cards! Each week they will increase in value. ...
  • A Straight Talk on Debt

    Creditors Keep Calling Me: What Are My Rights?

    • 17 Comments

    As a debtor you do have rights. Creditors and collection companies are legally not allowed to contact you with reckless abandon. The Fair Debt Collection Practices Act was put in place to protect debtors from creditor harassment. Below is an outline of what creditors are allowed to do and what to do

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  • A Straight Talk on Debt

    I'm on a DMP, Why was my Payment Taken Out Early?

    • 17 Comments

    This month's question reflects on your CareOne payment.

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  • Savvy Spending

    I'll Share My Talent with You, As Long As You Promise Not to Laugh!

    • 17 Comments

    So they say that everyone has a talent, you just need to figure out what it is. And while there are many things I'm good at, the only thing I am really great at, and I mean EXCELLENT at, is bargain shopping.

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  • A Straight Talk on Debt

    Questions You Should Ask Before Signing Up for a Debt Relief Plan

    • 16 Comments

    A Debt Relief Plan is not for everyone and there are several things to consider before enrolling in one.  The marketplace has many options for Debt Relief Providers and often consumers struggle to make sure they are comparing apples to apples. With options such as; Credit Counseling, Debt Management, Debt Settlement, and Bankruptcy it is difficult to ensure that the same type of plan is being compared from one provider to the next.

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  • My Journey out of Debt

    You Are So Lucky

    • 16 Comments

     While it may seem lucky, I think most of you will agree that getting out of debt has very little to do with luck, and more to do with sacrifice, struggle, and wanting to sometimes pull your hair out of your head. 

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  • My Journey out of Debt

    Happy 2 Year Blogiversary!!!!

    • 16 Comments

    Recently, March 3rd to be precise, I celebrated a very special day. It's not the birthday of anyone special in my life, nor is it my wedding anniversary. It was, however, my two year Blogiversary.

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  • My Journey out of Debt

    A Grocery Store Dilemma

    • 16 Comments

    As I pushed the cart forward I heard what sounded like something being dropped into the cart. Looking down, I saw a second box of granola bars had been put on top of the one I deposited.

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  • A Straight Talk on Debt

    Respect Your Money; be a Garbage Disposal

    • 16 Comments

    I'm talking about the person in the family that eats all the leftovers and uses all the products that everyone else has grown tired of, or has thrown in the trash convinced the container is empty.

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