Financial Schools Reviews

This guest post comes from Thomas J. Fox. Thomas is the Community Outreach Director at Cambridge Credit Counseling Corp. He is an AFCPE-accredited credit counselor and IFL Certified Educator in Personal Finance who, over the last decade, has created a number of guidebooks, DVDs and educational curricula designed to educate young people and low-income individuals about personal finance. Mr. Fox also co-hosts Money America, a weekly radio program that airs on WAIC 91.9 FM.

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This post is from GRS staff writer April Dykman.

For the past couple of years, my husband and I have not exchanged traditional, wrapped-and-Christmas-bowed gifts. Instead, we plan an experience.

We started our anti-Stuff celebrations because neither of us could think of a gift we truly wanted. Then we’d each be scrambling to think of something, anything, since not giving a box with a bow was unacceptable. This way, the pressure is off, and we create memories of fabulous meals and trips to vineyards, instead of piling up Stuff to fulfill a gift requirement.

I’m not against traditional gifts, especially if you know it’s something the recipient will use or enjoy. But if

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Now that Halloween is over, the retailers have removed the gloves and stopped pretending like any other holiday matters. It’s now full speed ahead to Christmas. Usually I dread this time of year.

I enjoy Christmas itself but I hate all the trappings that go along with it. I hate the marketing hype and the focus on spending. I prefer to keep my celebrations small and meaningful, not lavish and expensive. And my “smallness” of celebration has always made me a bit of an oddball in the eyes of many. But this year is different. For the first time in many years I find myself excited about Christmas again. Or at least interested.

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Consumer Credit Counseling Services can Get Your Finances on Track

The unrestricted proliferation of consumer credit in the last two decades had finally resulted in the bursting of the consumer credit balloon last year. The resultant home foreclosures, job cuts, and squeeze in consumer credits by lenders put the economy in an awkward position. In addition to this, the cancellations of multiple credit cards by the credit card companies placed serious financial on many individuals and families. Many of them had filed for bankruptcy. Payment deadlines have been missed and defaulted repayments have been quite high in the last one year.

Credit Counseling Can Help

Fortunately, credit counseling services can help people in deep financial trouble or those who are thinking about filing for bankruptcy.

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We asked our friends over at BillShrink to share their perspective on American credit card spending habits. Because they help people save money, in part by suggesting credit cards with lower interest rates, they have access to all kinds of data such as average credit card balances and interest rates. We thought what they have to say on Americans’ spending and saving habits (coupled with their top credit card pics) is pretty interesting, and think you will too.

In the dot-com heyday of the 1990s, when credit flowed freer than the Cristal at a P.

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