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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
  • Life Balance

    Making Your Dreams Come True with Vision Boards

    • 9 Comments

    I was stuck in a rut and I didn't know what to do to change the vicious cycle I was in. Arriving at my wit's end, I had to do something. Self-help books weren't particularly effective, meditation was lost on me, and keeping busy to take my mind off the ever-growing void in my heart was only making me stressed out and sick.

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  • A Straight Talk on Debt

    Don't Throw Away Junk Mail Without Reading it!

    • 32 Comments

    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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  • Major Life Challenges Blog Series

    7 Things to Know about Paying Off Medical Debt

    • 563 Comments

    Oftentimes when a family is faced with medical debt the added expense pushes them over the edge financially. Many of us are over-leveraged financially and not in a position to fall back on emergency savings or even credit cards to pay the bills incurred from a medical emergency. 

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  • CareOne Debt Discussions

    Five Resolutions You Can Make to Change Your Financial Future in 2011

    • 1 Comments

    Happy New Year! This is a great time to take a look at your finances and see what you can do to improve your financial future for the coming year. But if you're wondering where to begin, don't get overwhelmed by the "big picture," and start with these five simple resolutions.

     

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  • Life Balance

    Finding Money (Literally) With the Prosperity Game

    • 9 Comments

    Why do good things happen to people with sunny dispositions (alternately, bad luck plagues those already under the weather)? This may not be a coincidence. What if by playing a simple game for three weeks you could literally attract money into your life? Would you try it?

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  • CareOne Debt Discussions

    Commingling Your Finances: When Love and Money Come Together

    • 73 Comments

    It used to be that when two people decided they loved each other, they got married and opened a joint checking account. But in today's world, there's plenty more to consider. Dual incomes, living together when you're not married, and supporting a child from a previous relationship are just a few of many situations that can make the "money dance" between couples even more complicated. I'll leave finding the guy or gal of your dreams to you, but when it's time to bring your money together, here are some tips for each stage of the process.

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  • Life Balance

    4 Ways to Get Free Accommodation on Your Next Vacation

    • 0 Comments

    Accommodation is a big vacation expense; sometimes a preventative altogether. But if you could get free accommodation, would you reconsider going away? Good news: there are lots of ways to get free accommodation on your next vacation! Here are some ideas.

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  • A Straight Talk on Debt

    What is a Debt Management Plan?

    • 13 Comments

    A Debt Management Plan (DMP) is a structured repayment plan which involves you making a payment to a Credit Counseling Agency, who then distributes the payments to the creditors.

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  • My Journey out of Debt

    CareOne Community Member Spotlight - "cher47917"

    • 3 Comments

    Introducing Cheryl, our very first DMP graduate!

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  • My Journey out of Debt

    How Long Can We Go Without Touching the Savings?

    • 3 Comments

    We may be saving, but admit that it is not as much as we probably should. I have always believed that if I had more money, I would save more money, but in reality, if I continued to save at the current rate and did not touch the savings, I would be doing great.

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  • A Straight Talk on Debt

    What to Expect Month Three on a Debt Management Plan

    • 22 Comments

    It took time to get into this situation and it will take time to get out. Remember it is about the creditors receiving a payment, not just being “enrolled” in a program. Consistency is a key to success.

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  • A Straight Talk on Debt

    Reflecting on my Trip to CareOne Headquarters

    • 4 Comments

    I have always felt that there was something special about this company, but it wasn't until I was on this flight, and had a chance to reflect upon the events of the previous 24 hours that I was able to put my finger on what it is that sets this company apart. Flying through the air at 30,000 feet, I replayed in my mind some of the conversations I had throughout the day.

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  • My Journey out of Debt

    Emergency Funds...Yes You DO NEED One!

    • 3 Comments

    Then I think about how many people suffered and are still suffering, and I wonder how much money would be enough to protect me if I weren't so lucky?  My emergency fund amounts to a little over six months' worth of living expenses. 

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  • My Journey out of Debt

    Bank, What Have You Done For Me?

    • 5 Comments

    Bank mergers are a fact of the marketplace, especially in a churning, staggering economy. The best defense is to be informed, because you can be sure that rules and policies and methods of operation will be changing.

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  • Savvy Spending

    Having a Baby is Expensive

    • 5 Comments
    I know, the majority of you parents out there are probably rolling your eyes at the title and saying, "Well, yeah; that's pretty obvious." But, I honestly think that until you really get into the preparations for welcoming a little one into your home, you have no idea just how much money it will cost. And I am not even talking about when the baby arrives; I am talking about everything that goes into his or her arrival. There are some items that I am not willing to compromise on in terms of cost, like paying for various childbirth preparation classes, interviewing various pediatricians to make sure my husband and I are comfortable with the doctor we select, and including only safe and non-toxic products in the nursery, from the...
  • 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

    What to Expect after Month 6 on Debt Settlement

    • 41 Comments

    This blog will discuss what you can expect after the 6th month on your Debt Settlement plan. For many of our customers this is a crucial point in their plan.

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  • Divorce, Debt, and Finances

    What I Wish I Would Have Known Before Divorce...

    • 3 Comments

    When it comes to getting a divorce many of us have regrets not necessarily about the divorce but, the financial decisions we make in anger or haste to just get it all over with.

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  • Life Balance

    How to Conquer Impulse Shopping Syndrome

    • 6 Comments

    Impulse shopping is something we all fall prey to from time to time. But when impulse shopping tendencies become a full-on syndrome, we need to find ways to conquer it.  

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  • Life Balance

    Take Responsibility for How You Express Your Emotions

    • 2 Comments

    Some people try to work out their emotions by yelling. Others take their own feelings of insecurity, anger, or pain and use them as an excuse to manipulate those around them. But actions like these tear down relationships instead of building them up, and they'll tear you down if you practice them. You need to choose something better.

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  • A Straight Talk on Debt

    New Ways to Stretch a Dollar in Today's Economy

    • 0 Comments

    Whether it's taking advantage of online coupons or cutting coupons from the Sunday newspapers, canceling magazine subscriptions, buying in bulk, growing your own fruits and vegetables, buying clothes at consignment or thrift stores, or conserving energy costs, there are still many more ways to stretch your dollar.

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  • A Straight Talk on Debt

    12 Ways to Plan a Budget-Friendly Camper Van Holiday

    • 1 Comments

    Discovering the open road in a camper van can be an epic holiday. But it's not always as cheap as it may seem. Here are 12 tips for planning a smooth - and budget friendly - camper van holiday.

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  • My Journey out of Debt

    Happy 70th Birthday to my Dad!

    • 2 Comments

    However, I pushed to investigate more inexpensive options, as my father is a prostate cancer survivor, and I really wanted to celebrate the fact that we have the privilege of having him still with us.

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  • Divorce, Debt, and Finances

    Should You Live With Your Ex?

    • 9 Comments

    Today couples face the reality of foreclosure, short sales and houses that sit for a year or more. What do they do? Lose their shirt and sell well under value, if at all? Or, continue to live with their soon to be ex spouse, potentially with children in tow until things look up? Tough call and a decision I was glad not to have to make.

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  • My Journey out of Debt

    Need Help...Just Ask!

    • 7 Comments

    My nine-year-old daughter looked me square in the eyes and asked, "Daddy, why don't you just ask for help?"I couldn't answer her. What a simple question.

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