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

    New Year Ahead!

    • 3 Comments

    I have committed to NOT use my savings for this, so I will need to be almost hyper-vigilant to tuck money away. After experiencing almost constant terror of something unforeseen happening and having no savings, I have become quite dedicated to the idea of saving money and leaving it alone. 

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  • A Straight Talk on Debt

    Honoring Our Troops; CareOne Sponsors 2012 Military Bowl

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    As part of the company's Three-Star Sponsorship of the 2012 Military Bowl, 150 tickets will be donated to active-duty servicemembers on CareOne's behalf. In addition, CareOne will make a significant in-game presentation to a military family. 

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  • A Straight Talk on Debt

    Why I Remain Faithful to my List

    • 9 Comments

    By planning our spending ahead of time, putting cash into envelopes, and using only that cash for our purchases, we have been able to string together the most consistent and successful budget months ever.

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  • A Straight Talk on Debt

    Honoring America's Troops

    • 0 Comments

    As part of the company's Three-Star Sponsorship of the 2012 Military Bowl, 150 tickets will be donated to active-duty servicemembers on CareOne's behalf.

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  • A Straight Talk on Debt

    Reset Your Habits with Reinforcements

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    It can be hard to change gears when you've been doing something one way for a long time. So recruit help, set up reminders, and structure your environment in ways that ease that process. Here are several suggestions to get you started.

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  • A Straight Talk on Debt

    Talking Myself out of Impulse Buying Mode

    • 6 Comments

    Impulse buying had a great deal to do with my credit card habit. Haven't you thought, "I'll put whatever on my credit card and pay for it next month?" It's a slippery slope, and I slid all the way to the bottom before I realized that this just couldn't go on any longer. That's when CareOne came into my life and started putting me back on the right financial track, one month at a time. 

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  • A Straight Talk on Debt

    Budgeting in the Real World

    • 2 Comments

    Your budget must be flexible and able to stretch and contract based on your personal circumstances. Let's face it, life does not follow any rules, so building a budget that is ready for a few surprises seems like a solid plan.

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  • A Straight Talk on Debt

    I Remember When…

    • 0 Comments

    I like to remember when times seemed to be easier and more carefree, but I also like to be realistic about when things have not been so great and mistakes were made.

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  • A Straight Talk on Debt

    My Debt Story Part 1-Meadow Devor

    • 2 Comments

    In hindsight, I can see that the first year of my "debt repayment program" wasn't debt repayment at all. It was more like debt shuffling.

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  • A Straight Talk on Debt

    Straight Talk on Debt: 8 Holiday Giveaways

    • 2 Comments

    Who doesn't need some extra cash, gift cards, and holiday cheer this time of year? The personal finance blogging community is full of folks that have big hearts and want to spread some of that cheer on to you!

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  • A Straight Talk on Debt

    Estate Planning: What it is, and Why you Should be Doing it

    • 3 Comments

    Your estate is everything you own at death. Estate planning is about organizing your affairs, deciding who gets what, and setting out your wishes clearly. 

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  • A Straight Talk on Debt

    How Much Would You Pay For a Haircut?

    • 10 Comments

    However, for a wife with long, luxurious locks, a teenage son, and a young daughter that is already very aware of self-image, things are not as simple.

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  • A Straight Talk on Debt

    Share the Wealth: What's your most creative and inexpensive idea for decorating during the holidays?

    • 0 Comments

    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

    Powerful Routines

    • 0 Comments

    You've got dreams. Goals. Cherished plans. I often call these the Big Things in your life. They're the ones that call out to you -- that would be worth serious effort and sacrifice to attain.

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  • A Straight Talk on Debt

    Financial Expert Spotlight - When Life Gives You Lemons

    • 1 Comments

     I dug myself into $3,000 worth of credit card debt on consumer items and "fun" in a matter of less than a year. I had nothing to show for it, except for a horrible financial situation.

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  • A Straight Talk on Debt

    Planning Your New Years Financial Goals

    • 0 Comments

    There are many ways to establish and set goals. One of the more effective methods is to use an acronym to help remind you daily of the keys to your personal success. I have scoured many online resources to develop my strategy for a financially productive 2013. I want to share a few of them with you in hopes of encouraging you to set goals and stick to them in 2013

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  • A Straight Talk on Debt

    CareOne Gives Back Holiday Giveaway

    • 27 Comments

    CareOne is pleased to announce our very first "CareOne Gives Back Giveaway", just in time for the holidays!   

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  • A Straight Talk on Debt

    Looking Forward: A New Year Means New Goals.

    • 6 Comments

    With the New Year quickly approaching, it is time for me to start looking forward into 2013. What do I want to accomplish financially, now that my debt is paid in full? 

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  • A Straight Talk on Debt

    Straight Talk On Debt: To Spend Or Save This Holiday Season

    • 0 Comments

    The holidays would not be complete without spending extra money. Or would they?

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  • A Straight Talk on Debt

    Are Your Loyalty Cards Using You?

    • 0 Comments

    Remember when you singed up for one of those loyalty / discount cards? You were probably in a rush in the check-out line and didn’t read the agreement. In the fine print you gave permission for the store to gather a lot of data about your spending.

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  • A Straight Talk on Debt

    My Stop-the-Madness Plan for Christmas

    • 0 Comments

    Our minds seem to be clearer when we have a plan. We seem to be able to operate with less stress and chaos when a plan is laid, and contingencies have been evaluated. At least that's how it is for me. By my nature, I am very organized, and I love lists. This year, Christmas purchases, activities, and cooking will be listed, priced, and planned for. 

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  • A Straight Talk on Debt

    The Trophy Wall

    • 8 Comments
    I was on the track team when I was in high school. While I did have some talent as a long distance runner, I never fully applied myself, and therefore never realized my full potential. I walked by the school's trophy case every day, sometimes wondering if I poured enough effort into my running if I could win a trophy to be proudly displayed in the trophy case. With our October payment paid to our debt management plan, one of our accounts reached a zero balance . About a week later, we received a letter in the mail from the creditor stating CareOne had contacted them indicating that we were no longer participating in the debt management plan with that account, thus our agreement with the creditor was terminated and the account was closed. I smiled...
  • A Straight Talk on Debt

    Powerful Planning

    • 0 Comments

    How do I know it's too much? Because I find myself reveling in the planning -- the idea of doing the thing -- rather than getting into the work itself and reveling in getting that done

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  • A Straight Talk on Debt

    Christmas Comes but Once a Year

    • 2 Comments

    What is Christmas about? Is it about gifts under the tree, or dazzling your guests with the most amazing feast they've ever seen? I understand that it may feel that way, but we're not doing ourselves any favors when we pretend we can afford extravagant purchases at Christmas. Trust me, your best friend does not want to be the person you went into debt to impress.

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  • A Straight Talk on Debt

    5 Simple Solutions to Saving Money

    • 0 Comments

    The first step to becoming debt-free is to pay off a larger chunk of your credit balance. It's such a simple solution, right? 

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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.