Do you have trouble sticking to a budget?  If so, it may be helpful to consider how your feelings and thoughts affect your money decisions. For years social scientists have studied this very phenomenon, so much so they've even given it a name - "behavioral economics." Here are a few of their findings that may help us understand why we do the things we do and how we can improve our money habits. View full article.

If you suffered a financial setback tomorrow, do you have enough money put away to deal with it? If you don't, you're not alone. The majority of Americans don't have enough savings to survive two months if they suddenly lost their jobs or faced another financial hurdle. But good news! If you're expecting a tax refund, you can remedy this situation. Even better news: If you enter the new "SaveYourRefund" sweepstakes, you may find that saving is FUN. View full article. 

This past December was a very special month for Senior Counselor Judy Hines, because it marked the 35th year she has been here at CCCS of MD & DE. During her career, Judy has counseled thousands of clients. She's seen their concern and tears when they came to her office for advice and watched them grow and gain new skills once they enrolled in debt management programs.  Earlier this month, we asked her to take a moment and share her unique insights with us. View full article.