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

    The Mortgage Mess

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    If you find yourself in a situation where you are no longer able to afford your mortgage payment, try the following strategies to strengthen your finances and help manage your mortgage commitments.

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  • A Straight Talk on Debt

    Success on a Debt Management Plan

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    You got in debt, now it’s up to you to get out. If you smoke, quit! If you eat out too often, quit! This sounds easy enough, right? Of course! Everything sounds easy; the hard part is actually doing it!

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  • A Straight Talk on Debt

    Supporting my Success with MyCareOne Online Tools

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    In today's high-tech, smartphone, Wi-Fi saturated, always-connected world, we all assume that our information can be obtained with a touch of a button. It's frustrating when we have to wait for a phone call to be returned, or even worse (gasp), for something to show up in the mail.

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  • A Straight Talk on Debt

    Do You Have the Financial Discipline to Say No?

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    When it comes to finances, one of the most difficult things to do is to say no. Whether you are saying no to yourself, or saying no to someone else, it can be hard to exercise the discipline needed to say no. But, sometimes, it's necessary.

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  • A Straight Talk on Debt

    Share the Wealth: If you're getting a tax refund this year, what do you plan to do with it?

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    This month's Share the Wealth Question is:If you're getting a tax refund this year, what do you plan to do with it?

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  • A Straight Talk on Debt

    Long Distance Budget

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    I was on my way to India for a two-week business trip. Prior to leaving, we had done our budget and spending plan for the duration of my trip. Still recovering from July's overspending, we were on a strict budget.

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  • A Straight Talk on Debt

    Straight Talk on Debt: Debt, Debt, Debt

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    Debtors' prison sounds like a tale out of an British Victorian era novel, yet it is a modern day reality. Debt both physically and virtually still holds millions in bondage.

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  • A Straight Talk on Debt

    Vending Machines Are Not Savings Machines

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    So there I stood in the break room with a hand full of change, staring at the vending machine because the cafeteria was closed, and I perceived heading out to hit up a drive through would be more money than I wanted to spend. Not that I had time to do that either.

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  • A Straight Talk on Debt

    Life After Debt - Staying Out of Debt 6 Months and Counting . . .

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    I often compare this feeling to what it must feel like for a person who has met their weight loss goal and then kept the weight off for six months or longer. They may have gained a pound or two since that final weigh-in, but it makes them ever more conscious not to let those pounds start creeping back. 

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  • A Straight Talk on Debt

    Counting the Months to DMP Graduation!

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    In March, we reached the point of having one year left of our plan.  Reaching that mark put a smile on my face, but I really had my eyes set on this month, because after this month we will only have ten payments left.  What's special about ten?

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  • A Straight Talk on Debt

    Remembering the Embarrassment

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     It brought me back to the times I lived paycheck to paycheck. 

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  • A Straight Talk on Debt

    Don't Spend Money You Don't Have

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    My first reaction was to pay the bill immediately because that's what we've always done, and because cars are necessities.  That would have had a significant impact on our budget for the coming month

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  • A Straight Talk on Debt

    I Fell Into the Payday Loan Trap!

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    I trembled as I walked into the payday loan store.  I had seen commercials for places like this.  I knew they were bad news, but out of funds and the next payday a week away, I couldn't think of any other solution.  I just couldn't admit to my wife the situation we were in.  I couldn't admit how big of a failure I was at handling our finances. 

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  • A Straight Talk on Debt

    Minimizing Stress in Communications

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    Do you get stressed out when you have to talk about money? We're wrapping up our March theme of "Financial Communication," so I want to say a couple of things about managing stress in that setting. The main messages are simple: (1) it's well worth it to put in the work on improving your financial communication with loved ones -- especially your significant other; (2) it's okay if it requires a process of trial and error to achieve good communication. Communication Is Worth the Work Here's a secret, learned over many years of professional communications work and upwards of 20 years of marriage: communication is hard . It's not a revolutionary concept. Every good CEO knows it, and so does every good classroom teacher and pastor and Little League...
  • A Straight Talk on Debt

    Tracking Spending Helps Me Spend Money Wisely

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    My son came bounding through the door on a Friday afternoon after school, excited to go with a friend to Super Night.  Super Night was a night of activities planned by a local church, including bowling, swimming, and basketball.  The fun started at 9:00 p.m. and went until 6:00 the next morning.  He stuffed $18 of his own spending money into a tie string bag along with his swimming trunks and towel, and off he went to his friend's house. 

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  • A Straight Talk on Debt

    And In 3…2…1

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    Paying off over $50,000 of debt is one thing, but for me, it is the fact that I paid my debt. That was really important to me. I wanted to take responsibility for my actions and pay off this money that I so eagerly spent.  And I did. 

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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

    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

    My Husband is the King of Haggling!

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    I am not a haggler.  I have always paid the ticket price and asked no questions.  It is just not in me to haggle or negotiate. If that's the ticket price, then that's the price and you can take it or leave it.  Not so with my husband.  He isn't happy if he doesn't pay less than the sticker price.  He loves haggling and he has become quite an expert.

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  • A Straight Talk on Debt

    The Budget; Let's Keep it Real

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    Vonnie wanted to host a holiday family gathering for her side of the family, as there hasn't been one for a number of years.  Even with asking those attending to contribute supplies, we knew we would have to conserve our discretionary funds for the preceding weeks to pull off a gathering of that magnitude.

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  • A Straight Talk on Debt

    Enter November's Share the Wealth for chance to WIN a $250 Gift Card

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    Staying focused and disciplined is the key to success on your debt relief plan, but we know it's not always easy. What is your favorite motivational quote, or motto, that helps keep you motivated? 

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  • A Straight Talk on Debt

    Looking Forward: A New Year Means New Goals.

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    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

    Grit Your Teeth and Stay the Course

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     However, no matter how good I would feel about it, something would set me back.  Most of the time it would be a temporary setback, but there were a couple of times that it meant more than just a few months of struggling.

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  • A Straight Talk on Debt

    Talking Myself out of Impulse Buying Mode

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    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

    Are You Ready to do What it Takes to Get Out of Debt?

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    I couldn't help but thing about my get out of debt journey and the things my family and I have had to do to successfully make it this far in our debt consolidation plan. 

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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.