How long has consumer credit been available? It is a rather modern concept and I still hear my mother-in-law talking about signing off for groceries at the mining store and waiting to pay the bill until the next paycheck arrived. Today, many consumers would be hard pressed to obtain a new vehicle if they didn’t […]
Money
Occasional Expenses – How do you manage?
What gets in your way with planning for money? If you are like most people, there are two hurdles that make it hard to plan….emergencies and occasional expenses. We’ve all heard that we should set up a separate account with money for those emergencies in life that come as chance cards, but it is the […]
What should I do if I receive a foreclosure notice?
The short answer to this question is to call the Ohio Housing Finance Agency at 1-888-404-4674 right away! The agency will give you your county HUD approved housing counseling agencies and you will need to contact them immediately and schedule an appointment for free help. If you opened your mail to find a foreclosure notice […]
Money Talks
The Ohio State University Extension program “Real Money. Real World.” involves a series of financial education lessons followed by a real-life budgeting simulation activity in which students are assigned a job with a corresponding salary and a family to care for. For the simulation, students wear the hat of 27-year-old adult and main income earner […]
Financial Shaming—Who Made You Judge and Jury?
Most of us can identify a few friends or family members who really seem to have their financial acts together. We can learn many things from them, but not necessarily everything that is helpful for our own personal situations. That’s why I love reading financial blogs. They are so enlightening. I can communicate vicariously with […]
How to Respond in a Foreclosure Filing
Once you receive a foreclosure filing or notice, a clock starts to tick off the days. If you’ve been following the series of Foreclosure Prevention, you are aware of Ohio’s Foreclosure Timeline and understand you should get assistance and file an answer to the mortgage servicer’s “complaint” against you right away. You, the homeowner, have […]