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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. 3455
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. 137
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. 2903
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
  • Life Balance

    Count Your Blessings

    • 9 Comments

    Taking a break for just a few days with our closest family -- no gifts to exchange, no religious ceremonies, just enjoying good food and each other's company -- can be wonderful. 

    ...
  • A Straight Talk on Debt

    Knowing Your Debt Relief Options

    • 1 Comments

    There comes a time in many of our lives where we realize we are in over our heads, financially speaking. We come to the conclusion we need to do something about our finances, but what?  

    There are several options when it comes to debt relief and one of them is right for you, your situation, and your family. When deciding what to do there are a few questions you should ask yourself first; your answers may help you determine what you need to do, where to turn and how to get help if you need it.  

    ...
  • My Journey out of Debt

    Sacrificing to Become Debt Free

    • 287 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. 

    ...
  • 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.

    ...
  • A Straight Talk on Debt

    Download the Free Guide, Nine Things You Must Know to Succeed on a CareOne Debt Settlement Plan

    • 40 Comments

     Download the Free Guide, Nine Things You Must Know to Succeed on a CareOne Debt Settlement Plan

    ...
  • 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! 

    ...
  • My Journey out of Debt

    Three Years in; Life on a Debt Management Plan

    • 58 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. 

    ...
  • 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. 

    ...
  • Savvy Spending

    How to Save Money This Winter With Warming Soups and Stews

    • 4 Comments

    Is it just me or does this winter seem even colder than last year?  I have decided to refuse to leave my apartment for anything other than a warm, satisfying meal.

    ...
  • 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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  • My Journey out of Debt

    School Lunch vs. Lunch Box

    • 274 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?

    ...
  • A Straight Talk on Debt

    Five Lessons from My Life to Your Life

    • 5 Comments

    After thinking about the situations I've experienced in the last 12 months, there are five specific lessons that stand out, which I'd like to pass along to you.

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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? 

    ...
  • A Straight Talk on Debt

    Creating a Realistic Budget

    • 1 Comments

    Track your spending and identify expenses which can be cut. A budget or spending plan should be built to change, as our financial lives are very rarely steady. Set a realistic goal for savings, and work towards it every day.  
     

    ...
  • My Journey out of Debt

    Reflection on a year in the Debt Management Plan

    • 45 Comments

    I find myself looking back on the last twelve months and reflecting on the experiences of the year.  Our experiences make us who we are and shape how we will handle future situations.

    ...
  • A Straight Talk on Debt

    Debt Settlement: Months 1 - 6

    • 34 Comments

    As I discussed in a previous blog, Debt Settlement may be the right choice for people who; cannot afford a traditional DMP, do not qualify for bankruptcy, or simply do not want to file for bankruptcy. Debt Settlement is an attempt to negotiate with creditors to accept a lesser amount than what is truly owed based on a customer's budget and payment. 

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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.

    ...
  • My Journey out of Debt

    Couples: The Spender and the Saver

    • 14 Comments

    Bringing up financial issues with your spouse or significant other is never easy.  In many relationships, couples differ when it comes to finances.

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  • Life Balance

    Time to get REAL

    • 6 Comments

    February is real life, and it's probably how things are going to stay at least until summer starts, unless we take action to change them.

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  • Life Balance

    Find the Power in Tracking Your Expenses

    • 17 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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  • Savvy Spending

    How to Save Money on Store Bought Salad Dressing: Make Your Own!

    • 6 Comments

    While I do love making braises and soups and eating the tender and flavorful meals that result, in the spring and summer I am looking for faster food. By this I do not mean hamburgers and fries, I mean food that can be made in a hurry, leaving me and my husband more time to enjoy the warmer outdoor temperatures.

    ...
  • CareOne Debt Discussions

    Rebalance Your Budget in 2009

    • 4 Comments
    So far, I’ve been very successful at tracking my spending habits in 2009! Not that I don’t hate collecting all those little receipts, but I try to record them in my little notebook as so as I get home then shred, shred, shred those receipts. This tracking exercise has really provided a needed wake-up call on how I’m spending my money– especially when it comes to eating out. So far, Dear Hubby and I have spent a grand total of $406 at local restaurants. This is so embarrassing it makes me cringe. It’s not even January 20, and we have 12 days to go to ride out the month. ...
  • Savvy Spending

    Save Time and Money at the Grocery Store

    • 14 Comments

    I have a new favorite website that I just recently discovered!

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  • Life Balance

    Adventures as a Non-consumerist in a Consumer Driven World….

    • 26 Comments

    I have a strange confession to make; I have turned into quite the non-consumerist, in fact I have spent less than twenty dollars on myself since the first of the year.

    ...
  • Savvy Spending

    Making the Most of Inexpensive Spring Produce

    • 1 Comments

    In keeping with my last post about the veritable rainbow of colors now available on the produce stands for spring, I want to provide another recipe for an easy and tasty soup that will let you take advantage of the fresh flavors and the inexpensive produce in peak season right now.

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