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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. 3459
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. 2902
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

    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

    • 2 Comments

    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

    • 1 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

    • 5 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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  • A Straight Talk on Debt

    Two Questions That Will Stop Impulse Buying

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    Between writing, email, surfing the internet and a whole basket of other activities, I use my computer a lot. But I noticed that I hardly EVER use the speakers. So infrequently that I'm kicking myself for not buying the less expensive speakers, or just plugging in headphones I already own when sound was required.

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  • A Straight Talk on Debt

    All Coupons are not Created Equal

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    There are quite a few retailers that do promotions similar to Old Navy's Super Cash.  Pay attention to what they give you, and what the fine print says.  Otherwise, you might just find out the hard way that two 10s don't equal 20.

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  • A Straight Talk on Debt

    How Will my Teenage Driver Affect my Car Insurance

    • 5 Comments

    Young males are the highest risk category for having an accident, so I wasn't looking forward to seeing what having my son become a driver would do to our insurance rates. But, I knew it needed to be done so we called up our agent and had him gently tell us the damage.

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  • A Straight Talk on Debt

    Everything You Need to Know About Life Insurance

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    Life insurance eases the burden of the people who survive you. It's not a windfall; even policies for hundreds of thousands of dollars are usually calculated precisely. (We'll explore how shortly).

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  • A Straight Talk on Debt

    What Does Stocking up Mean to You?

    • 2 Comments

    It's the phrase that popped into my head recently when I came across a fantastic sale on charcoal. Twin packs of grill fuel shrink wrapped together for the usual price of a single bag. It's a phrase that maybe you've used once or twice as well.

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  • A Straight Talk on Debt

    10 for $10.00 and I’m Diggin’ It!

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    Before you start making piles of 10 in your shopping cart, be sure you know the rules. Can you get the sale price ($1.00 per item) if you don't want 10? Can you combine different items to total 10 and get them for $10.00? I have shopped at stores where they just won't allow this and require that you buy 10 of the same item to get the $1.00 each price.

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  • A Straight Talk on Debt

    How Many Credit Scores Are There?

    • 0 Comments

    I used to say I didn't care at all about my credit score. I've posted countless times to threads in the forums stating that I just pay my bills on time and let my score take care of itself. Then, earlier this year, my wife and I walked through the doors of our bank and started the process of trying to refinance our mortgage. 

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  • A Straight Talk on Debt

    You CAN Use Multiple Coupons at Once!

    • 4 Comments

    I'm usually a fairly passive guy in these kinds of situations, and would have just accepted what the cashier said, and would have made a point to use the second coupon the next time we were at the mall. 

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  • A Straight Talk on Debt

    It's Time to Start Building for the Future

    • 4 Comments

    Since we completed our program, we've working through a list of "to dos" to solidify our financial well-being. 

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  • A Straight Talk on Debt

    How to Stay Ahead of the Game with Mail-In Rebates

    • 0 Comments

    Rebates are a form of advertisement for some companies. Companies offer rebates to try to entice you into buying a specific product. In return for buying the product, they will send you a reward, usually a check or a free product coupon.

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  • A Straight Talk on Debt

    Have My Financial Habits Changed Now That I'm Done With My Debt Consolidation Program?

    • 2 Comments

    Is there anything you've stopped doing to earn or save money once you completed your debt relief program? How do you feel about that?

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