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Spending

addiction
Budget | Credit Card | Debt Management | Financial Tips | General | Spending
The Financial Cost of Addiction

Addiction is so prevalent in the United States now that the life expectancy decreased by an entire year recently. And … Read More

January 7, 2025 2
Valentine’s Day (Spending) is for Lovers in 2024
Financial Tips | General | Spending
Valentine’s Day (Spending) is for Lovers in 2024

Valentine’s Day is around the corner, and despite tight budgets, Americans are overwhelmingly excited to celebrate love in 2024, with … Read More

February 2, 2024 0
Black Friday, Cyber Monday
Financial Tips | General | Spending
15 Tips to Avoid Debt on Black Friday, Cyber Monday

Black Friday and Cyber Monday are some of the biggest shopping events of the year. With deals and discounts on … Read More

November 7, 2023 0
Spending
Budget | Financial Tips | General | Spending
5 Times Spending More May Benefit Your Finances Long Term

When it comes to paying off debt, many of us feel compelled to cut our spending in any and every … Read More

October 14, 2022 0
Lifestyle Creep
Budget | Credit Card | Debt Management | Financial | Spending
Lifestyle Creep: What is It & How to Avoid It

When you get a raise, a bonus, or a promotion, do you find yourself at the mall looking to update … Read More

June 27, 2022 1
fast track debt payoff
Budget | Debt | Financial Tips | Spending
4 Ways to Fast Track Your Debt-Payoff Journey

When it comes to paying off credit card debt, the first thought most of us have is to slash our … Read More

May 23, 2022 0
Credit Utilization Ratio
Credit Card | Financial Tips | Spending
How Much of My Credit Limit Can I Spend?

Credit Card Utilization Do you remember your first credit card?  For many of us, our first credit card was an … Read More

March 1, 2022 1
Valentine's Day Budget 2019
Budgeting | Financial Tips | Spending
14 Cheap Valentine’s Day Ideas When on a Budget

I love Valentine’s Day. Before you start rolling your eyes, let me explain why. For me, Valentine’s Day hasn’t always … Read More

February 4, 2019 1
Emotional Money Mistakes
Financial Tips | Spending
Money Mistakes & Emotional Purchases that Cause Overspending

We all make financial mistakes from time to time; but rarely do we consider or talk about how our emotions … Read More

August 9, 2018 2

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500 La Terraza Blvd, Suite 150
Escondido, CA 92025

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1835A S. Centre City Parkway, #508
Escondido, CA 92025

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Our goal is to help you pay off your debt and learn the basics of personal finance, so you’re financially empowered by the time you graduate our program.

 

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    • Get Help With Credit Card Debt
    • Get a Quick DMP Payment Quote
    • Get Started Online
    • Book Appointment
    • Calculate My Debt Free Date
    • About Us
    • What We Do
    • FAQs
    • Credentials
    • State Licenses
    • Contact
    • Credit Counseling
    • Debt Management
    • Pre-Bankruptcy Counseling
    • Financial Wellness Program
    • Accelerated Payment Plan
    • Credit Coaching
    • Credit Card Payoff Calculator
    • DMP Payment Estimator
    • Credit Card Debt Quiz
    • Spending Quiz
    • Net Worth Calculator
    • Debt to Income Ratio Calculator
    • Credit Card Minimum Payments Calculator
    • Debt Forgiveness
    • Credit Card Consolidation
    • DIY Debt Management Plan
    • SDFLC
    • Smart With Your Money LIVE
    • S.W.Y.M. Program
    • Podcast
    • Boost for Our Heroes
    • General
    • Financial Tips
    • Debt
    • Budgeting
    • Credit
    • Spending
    • Military