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.
  • A Straight Talk on Debt

    Planning for Your Own Type of Achievement

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    Think about it: we get handed a lot of ideas about what achievement is supposed to look like. Our parents and teachers and spouses and the media tell us that astronauts are achievers, as are surgeons and Olympic athletes and CEOs of Fortune 500 companies. And, sure, those are all great things to pursue -- but they're not for everybody.

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  • A Straight Talk on Debt

    5 Common Sense Tips for Teaching Your Kids About Money

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    Do you ever teach your kids any lessons about how to manage money?

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  • A Straight Talk on Debt

    Digging Out Of another Hole

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    So, the good news is my husband is working again!  Whoo hoo!  Talk about a weight off our shoulders! The bad news is we have a little digging out to do after about three months living on only one income.

     

     

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  • A Straight Talk on Debt

    Having a Plan for Your Automated Banking

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    I have found that having my bills paid automatically through my main checking account is very convenient.  I no longer need to worry about forgetting to pay a bill. I also know exactly where I sit financially every month after the bills have gone through.

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  • A Straight Talk on Debt

    Avoid the Pitfalls of Automating Your Finances

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    With technology moving ahead, and thanks to direct deposit and automatic debit, there is a lot of interest in automating your finances. Automation can be a great thing for your finances. It means that your money goes where it is supposed to - and you don't have to remember to pay your bills. 

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  • A Straight Talk on Debt

    Fly For Free: 13 Frequent Flyer Mile Strategies

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    For years, my long-haul flights have been largely in business class - for less than the price of economy tickets. Here are 13 frequent flyer mile strategies to help you do the same.

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  • A Straight Talk on Debt

    Gradually Improving Our Finances Over Morning Coffee

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    It's a morning routine that we have welcomed. It forces us to talk about our finances on a daily basis, ensuring we're always on the same page.

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  • A Straight Talk on Debt

    Making the Jump to Online Bill Pay

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    I must admit that I was a holdout for a long time, arguing that I would never engage in such "high tech" financial dealings because I wanted to have full control of my money.  Way back when, I felt that if I set up an automatic withdrawal, I was somehow giving control of my money to someone I didn't even know.  

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  • A Straight Talk on Debt

    Automation Nation

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    I was able to set up auto payments for my student loans via the lender's website, which actually knocked off 0.25 percent from my interest rate. My car payment is on auto pay, knocking 5 months off my repayment time. My Netflix, Sunday Times, and dog medicines are on this system. And of course my DMP payment is on auto pay. 

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  • A Straight Talk on Debt

    Share Your Success: Join the Debt Movement

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    The goal of the debt movement is to pay off $10,000,000 of debt in 90 days. But the goal is just the beginning, we really want to get people talking about and doing something with their debt. Supporters of the debt movement are sharing their debt stories, giving financial advice, and providing tools you can use on your journey to debt freedom.

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  • A Straight Talk on Debt

    CareOne Gives Back Giveaway: Debt Free Valentine

    • 15 Comments

    February brings Valentines day and unexpected expenses are bound to crop up to make your loved ones feel, loved. Dinner, flowers, chocolates...they all add up! This year make Valentine's day guilt and debt free by entering our CareOne Gives Back Giveaway! 

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  • A Straight Talk on Debt

    Frugal Living and Budgeting Are Not the Same Thing

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    Frugal living and budgeting are not the same thing. I want to separate those ideas in your mind. They are two different things. You can do them at the same time. Budgeting may lead to frugal living. But they are not the same. Period.

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  • A Straight Talk on Debt

    Straight Talk on Debt: Your Own Worst Enemy

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    Did you ever hear the phrase, "You are your own worst enemy."? I subconsciously fall prey to this all the time. I beat myself up for things beyond my control, sabotage diets, and yes bust my budget all without realizing I am in control of my own destiny.

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  • A Straight Talk on Debt

    Meet Our Customer Bloggers: Round Three

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    It is not secret that where you live can influence different lifestyle different lifestyle habits. Regional factors can influence your employment, housing and even retirement. Our CareOne customer bloggers are spread out across the states and bring that unique regional view to their debt stories.  

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  • A Straight Talk on Debt

    Paying Cash Has Its Privileges

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    Thanks to the new transaction fee rules that took effect January 27, 2013, for both Visa and Mastercard credit and charge transactions you may now be charged up to 4% just to swipe your card.   

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  • A Straight Talk on Debt

    Pay yourself first.

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    I believe in this statement, and really have no trouble putting money into the savings account.  What I have trouble with is taking money back out of the savings account.

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  • A Straight Talk on Debt

    With Valentine's Day just around the corner, what is your favorite, inexpensive, Date Night plan that you enjoy with your sweetheart?

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    What do you do to make life on a budget more enjoyable, easier, and just plain better? How do you manage fun and your money at the same time? Enter our monthly Share the Wealth contest, and tell us your solution to some of life's challenges. Each month, we'll post a new question and look for your innovative answers. You could win a $250 gift card! 

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  • A Straight Talk on Debt

    Online Tools for Pursuing Your Dreams

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    Which are the most valuable online tools for supporting your dreams? Here are some favorites from my friends and myself.

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  • A Straight Talk on Debt

    Renting to Own, Smart Move or Dumb Mistake?

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    Renting  to own, is this a good financial move or you basically burning money like a 19 year old NBA rookie?

     

     

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  • A Straight Talk on Debt

    Don’t Agonize. Organize.

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    I've noticed that this way of life causes a lot of anxiety, which I'm sometimes not even aware of until after I pay a bill.  Since I began the DMP, I've become more aware of my bills and expenses and have realized that I will feel a lot better if I don't ignore my bills-this might make me feel less overwhelmed by them. 

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  • A Straight Talk on Debt

    Budgets 101 - Keeping it simple

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    I sat down and was able to create a budget for my son that would have him back out of credit card debt by May, have his airfare saved up by July, and his cruise paid off when it is due in October.  I was also able to make it work so that he could have over $1,000 in an emergency fund by the end of this year.  I told him that I wanted his budget, as it was much more simplified than my own.

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  • A Straight Talk on Debt

    An Inspiring Story – And True!

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    When I left the company, I lost touch with him, but through mutual acquaintances I had heard that he too left the company to pursue another interest that did not pan out...and then 9/11 hit. When 9/11 hit, the industry that he was so successful in, like so many other industries, took a huge hit and he could not find work. His wife filed for divorce not long after that and for a period of three years, he was out of work and struggling, to say the least. 

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  • A Straight Talk on Debt

    11 Tips to Recover From Holiday Spending

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    Here are 11 tips to recover from your holiday spending spree and get your finances back on track.

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  • A Straight Talk on Debt

    Need Motivation? Look Behind AND in Front of You

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    It was three years ago yesterday that I sent a private message to a CareOne employee in response to a post in the community looking for customers willing to share their journey while enrolled in the DMP. We had only been enrolled in the DMP for six months, and everything about it and how our lives had changed was still new and fresh, and scary. 

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  • A Straight Talk on Debt

    Return to the Basics, Again and Again

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    Sure, many things in life are inescapably complex: calculus, automatic transmissions, human relations, the federal tax code. But even these can be broken down into parts and addressed one item at a time. Which means that pretty much everything can be made simpler. So when life gets too complicated, take yourself back to the basics.

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In addition to the blogs, be sure to check out the new CareOne Groups:

Starting Out

Are you finally out on your own and figuring out how to balance your finances? If so, this is the group for you. In Starting Out, you can talk about the challenges you are dealing with in a group of like-minded people.

Settling In

Do you feel like you are finally understanding what being a "grown-up" is all about and are settling into your adult life? If so, this is the group for you. In Settling In you can connect with others who are just like you.

Balancing It All

Struggling to balance all that an established lifestyle has to offer? The balancing it all group is for you. Discuss the challenges you face when your responsibilities at work, at home and with family and friends all compete for your attention.

The New Retirement

Are you currently retired or planning on retiring very soon? If so, this is the group for you. Times have changed and so has retirement. Learn how others are redefining retirement.