Tag financial tips

Overdraft Programs are Optional

Inner Financial Child

Many banks and credit unions offer overdraft programs. An overdraft occurs when you don’t have enough money in your account to cover a transaction, but the bank covers the transaction. These transactions can include ATM withdrawals or debit card purchases.…

Foreclosure Scams and How to Address Them

Section 8 Website Scams: Warnings Issued by FTC and HUD

If you are facing foreclosure, it is important that you take action today. Contact your mortgage lender to find options to avoid losing your home. Agencies like CCCS can help you explore your options and communicate with your mortgage company.…

Save Money by Using Direct Deposit

Enrolling in direct deposit can help you save more money. Follow these steps to start saving money through direct deposits: Use your direct deposit program to send a separate deposit to your savings account. Don’t remove money from your savings…

Avoid Identity Theft

Section 8 Website Scams: Warnings Issued by FTC and HUD

Avoid Identify Theft by using these five methods: To avoid identity theft, try these five tips: Shred financial documents and paperwork with personal information before you discard them. Keep your personal information in a secure place. Review your bank and…

Mortgage Initiative from the CFPB

Mortgage Initiative from the CFPB

The CFPB’s mortgage initiative helps consumers understand their loan options, shop for the mortgage that’s best for them, and avoid costly surprises at the closing table. The Know Before You Owe mortgage disclosure rule replaces four disclosure forms with two…

Federal Student Loans: What You Need to Know

Federal Student Loans

Many students cannot afford to go to college without federal student loans. First, potential college students should apply for financial aid at Then, students should review their financial aid award letter to see what loans they can get. The…

Mortgage Modification Scam Alert

Section 8 Website Scams: Warnings Issued by FTC and HUD

If you are looking for a mortgage modification or you need help with an impending Foreclosure, you should work with a HUD-approved counseling agency. In fact, CCCS is a HUD-approved counseling agency and we can offer help. CCCS can determine…

Money Management Tips for Children

Money Management Tips for Children

Here are a few tips on how to start talking to your kids about money management: Start early and start soon. When your child becomes interested in coins or cash, give them a toy bank and have her practice putting…

Mortgage Shopping: Finding the Right Fit

home inspections

Do you have a contract on your dream home? Don’t forget to go mortgage shopping. It can save you time and money. You should compare offers and costs from three different lenders. When you are shopping for a loan, look…