It’s not that scary from down here.

Our articles are to help guide those who are lost and don’t know how to get back to the life they want to live.

Attention Public Service Loan Forgiveness (PSLF) Borrowers!

We want to inform you of important changes regarding the Public Service Loan Forgiveness (PSLF) program if you have MOHELA as your loan servicer and have a PSLF Payment Tracker. Starting May 1, 2024, MOHELA, in conjunction with the U.S. Department of Education (ED), will stop processing PSLF Employment Certification Forms. Consequently, your PSLF Tracker…

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Financial Topics for Teens

If you are a teen or (have a teenager in your life), the following tips will be useful in establishing sound money practices early in life leading to stronger financial stability over time.  Bank accounts and debit cards: Teens should learn how to open a bank account, deposit and withdraw money, and use a debit card….

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Using Credit Wisely

Credit cards can be a powerful financial tool when used responsibly. They offer a convenient way to make purchases, build credit history, and earn rewards. However, they can also lead to significant debt problems if not used carefully. Here are some credit card essentials to help you use your cards wisely: Understand your credit limit:…

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Money and Relationships

Money can be a major source of stress and conflict in any relationship and often is quoted as the top reason for break-ups and divorces. Therefore, it is especially important to manage it carefully in romantic partnerships. Here are a few tips for managing money and relationships. Communicate openly and honestly about your finances. This…

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Latest News: January 2024 Financial Update

Governor Hochul introduces legislation to protect New Yorkers from “bad actors” and medical debt; New report highlights significant issues with student loan repayment after an unprecedented 3 year period Parachute Credit Counseling Offers FREE Assistance and Counseling Parachute Credit Counseling, formerly known as Consumer Credit Counseling Service of Buffalo (CCCS), is the Western New York…

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Ways to Reduce Debt

Reducing debt can be a challenging task, but it is definitely achievable with the right mindset and strategies. Here are some effective ways to reduce debt: Create a budget and track your spending: The first step to reducing debt is to understand your spending habits. Create a detailed budget that includes all of your income…

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