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How Late Payments Affect Your Credit Score

How Late Payments Affect Your Credit Score

By Charlestien Harris Often I hear people ask, “Why is it so important for me to pay my bills on time?  As long as they get my money they should be satisfied.”  While it is true you have paid your creditor what you owe them, the fact of the matter is there...
Debt Management: Do it yourself or Pay A Company

Debt Management: Do it yourself or Pay A Company

By Charlestien Harris While watching the news and scanning Facebook, I have noticed numerous advertisements for debt management companies. With ads promising easy debt relief, these programs are tempting to anybody struggling to stay on top of debt.  The question...
What Happens If I Can’t Pay My Bills

What Happens If I Can’t Pay My Bills

By Charlestien Harris When managing finances, the number one priority is to keep current with your mortgage or rent, as well as your monthly household bills.  There are many factors that can affect your ability to stay current with bills such as death, job loss,...
Debt Management: Do it yourself or Pay A Company

Recognizing Roadblocks to Financial Success

By Charlestien Harris Hello, my financial fitness trainees!  This week, I decided it was time to help you recognize some obstacles that might hinder you from moving forward with getting your finances in order once we move past this health crisis.  Whatever they are,...
Keeping Your Credit Strong during a Pandemic

Keeping Your Credit Strong during a Pandemic

By Charlestien Harris Hello again my financial fitness trainees!  As you know, we’ve been discussing the importance of lowering expenses and prioritizing bills.  Being able to stay current on bills can become increasingly challenging as the COVID-19 crisis...
Debt Management: Do it yourself or Pay A Company

Don’t Let High Bill Payments Weigh You Down

Hello everyone! I am Charlestien Harris, certified housing and credit counselor, and I’m back again to talk about finances. The coronavirus has destroyed many budgets and affected the normal flow of income for a number of households. Previously, I talked about bill...
Debt Management: Do it yourself or Pay A Company

Financial Fitness

A financial coach’s blog of tips for staying financially fit By Charlestien Harris As we navigate this very turbulent time in our lives, there are very credible sources of good sound financial advice readily available to the public. I am a HUD Certified...