Financial Counseling Articles

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Options for Homeowners Behind on Mortgage Payments

What to Do if You’re Falling Behind on Your Mortgage Many people experience financial difficulty at some point in their life, which may result in a missed mortgage payment or two. Unfortunately, when homeowners fall on tough times, remaining delinquent on their mortgage payment can result in losing your home, also known as a foreclosure.

How to Avoid Overdraft Fees

How to Avoid Overdraft Fees It’s no secret that overdraft fees are a pain to deal with because they cost you your hard-earned money and often show up on your bank statement at the worst times. If you’ve ever been charged an overdraft fee, don’t worry, you’re not alone. Over 39 million adults have reported…

Understanding Your Credit Score

What is a Credit Score? A credit score evaluates how likely you are to pay back your debts on time. Your credit score is incredibly important, yet few consumers know how it works, or what it’s used for. Your credit score will affect your ability to secure credit and determine the interest rates that you…

Tips for Improving Your Personal Finances in 2021

As we prepare to put 2020 behind us with all of its twists and turns, it is a great time to reflect and prepare for 2021. Other than the obvious COVID-19 circumstances, one other topic that is on most Central Ohioan’s minds heading into the new year is personal finances and financial stress.

Managing Personal Finances During COVID-19

The COVID-19 virus has monopolized most aspects of our lives, from the daily news to our new roles as homeschool teachers, but the impact that many Central Ohioans are feeling right now is in our bank accounts. The shelter in place and self-quarantine orders from state and local officials has impacted the ability to work…

Struggling to Pay Housing Bills?

If you are struggling to stay current on your mortgage or rent payment, you are not alone. If you are falling behind on your housing payment, there are a few things you can do to prevent eviction or foreclosure. Take advantage of these resources and ideas to keep your roof over your head and stay…

What You Need to Know About Credit History

The Importance of Establishing Your Credit Your credit history impacts more areas of your life than you may realize. It is established using your history of opening credit-based accounts, paying your bills, and living within your financial means. Organizations that review your credit score are not limited to just banks and credit card companies.

Credit Unions and Millennials are a Great Match

When it comes to learning about money, Millennials choice in a banking partner plays a key role. Representing nearly a quarter of the total United States population, millennials now make up the largest living demographic in the country. And representing almost two-fifths of the working population, they hold the largest spending power of any demographic…

Financial Counseling Services

The stress that comes with debt can be overwhelming. If you are making minimum payments on your debts and still struggling, you may need to explore financial counseling. A financial counselor can help you come up with a plan to restructure your debt that is more manageable and provide a plan to help get your…


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