August 2021

July 2021

June 2021

May 2021

April 2021

March 2021

February 2021

  • How To Reset on Your Financial Goals for 2021 at - Todd shares how and why good credit should be part of your financial goals for 2021. Through April 2021, you can get your free credit report every WEEK from the major consumer reporting agencies.

December 2020

November 2020

  • What is a bad credit score? at - In this insightful article, Todd refers to several credit behaviors that harm your credit score as well as to organizations that might use your credit, besides lenders, in business decisions.

  • Credit Card Payments Down 25% During DOVID-19 Pandemic at - Todd describes “caveman finance mode” to explain why credit card usage drops during economic crises while savings rates go up.

October 2020

September 2020

August 2020

July 2020

  • What to do if you can’t open a bank account at - In this article, Todd recommend you consider looking for a Bank On program near you ( if you feel you've been blacklisted by banks and credit unions. After taking a few hours of financial education courses, you can automatically qualify for a checking or savings account with participating financial institutions.

  • Credit debt, bankruptcies down during coronavirus pandemic at - During the pandemic, Todd advises we reevaluate our spending priorities, focusing on saving for the potential of future emergencies, on survival needs, then critical wants like transportation and cell phones, followed by lifestyle choices and, finally, long-term hopes and wishes like vacations and a new home.

  • What should you do after your credit card application is denied? at - Among the various panelists, Todd shares ideas for what to do if you feel your credit application was denied due to inaccurate information on your credit report.

  • 5 Ways to Manage Your Money During Uncertain Times at and - During the pandemic, many creditors offered payment holidays, and many consumers wondered if they should pay down their debts or save for the future. Todd offers his professional opinion with an unexpected but resounding, “Save.”

  • Should You File For Bankruptcy? Here’s What To Expect at - For anyone with questions about the bankruptcy-related certificates (credit counseling and debtor education), Todd offers answers and guidance for finding the “right fit” with the certificate provider.

June 2020

May 2020

April 2020

  • 50 Ways to Prepare for a Recession at - In tips 22 through 24, Todd shares ideas on minimizing vehicle payments, holding off on new jobs, and redirecting savings to your emergency fund.

  • 7 Signs That Your Child Is Ready For A Debit Card at - Todd’s guest article goes through a 7-step process to determine whether teens (and even young adults) are ready for the responsibility of using and protecting a debit card.

March 2020

February 2020

January 2020

December 2019

November 2019

October 2019

September 2019

August 2019

July 2019

  • Will personal loans eclipse Americans’ credit card use? at - While the regular, set monthly payments of personal loans can be easier to make than credit card monthly minimum payments that vary, Todd still recommends caution with any debt, even the three potentially beneficial loans he identifies in this article.

  • 10 Ways to Save Money This Year at by Quicken Loans - Todd explains how our PowerCash principle can accelerate your savings without the pain of spending cuts.

  • Your Guide to Budgeting for Healthcare Costs at - When it comes to preparing for expected and unexpected medical expenses, Todd recommends prioritizing your healthcare costs with other needs.

  • How to Get a Credit Card with Bad Credit at - Todd explains why so many first time applications for major credit cards are rejected and why it’s better to start small and local when building credit.

June 2019

May 2019

April 2019

March 2019

February 2019