Below The Radar News

We might be saying so long to an old year soon, but many Americans won’t be starting the new year with a clean slate. They face months — and years — of credit card bills for purchases made this year and earlier. According to a recent article,  the average credit card debt for households with […]

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We are whole integrated beings and everything that we do involves our whole selves. Just the simple act of breathing includes our nose, nostrils, lungs, diaphragm and some chest muscles.  Our emotional life is tied to our thoughts, memories, good and bad experiences, preferences and desires.  What we choose to wear, eat, watch on television […]

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I came across a meme on Pinterest that literally stopped me in my tracks. It said, “If you don’t make time for your wellness, you will be forced to make time for your illness.” #readthatagain Why Financial Wellness Matters The truth of it was simple and clear and could apply to so many areas of […]

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Most U.S. households celebrate Christmas with a Christmas tree, but, more often, those evergreens never actually grew in a forest. According to the eighth annual Christmas tree survey from the American Christmas Tree Association, 77% of U.S. households celebrated Christmas last year with a tree. Of those, just 18% percent decorated a real tree. The […]

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If you are struggling to pay your bills every month, you might be dealing with a financial hardship. What is financial hardship? The exact definition depends on a number of factors, including the type of debt you are dealing with and your circumstances. Financial hardship typically refers to a situation in which a person cannot […]

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As a financial literacy educator, I begin each and every class I teach with a statement that I repeat throughout the lesson with the emphasis on a different word. “Everybody wants your money. Everybody wants your money. Everybody wants your money.” It’s usually when I emphasize the word “your” that eyes light up and there […]

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It’s the time of year when people start thinking about getting all of their holiday cards in the mail. Sending holiday cards can become costly, especially when you include the price of postage. If you’re looking to save money on holiday cards, consider email instead of a traditional cards. You don’t have to be an […]

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Debt is a huge drain on many Americans. In fact, American household debt hit a record $13.21 trillion in 2018. But, believe it or not, not all debt is bad. Some forms of debt can be classified as “good debt” — or debt that provides us with advantages — as long as we don’t abuse it. In […]

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There’s an easy way to avoid going into debt during the holidays — if you can stay off your phone during the shopping season. According to a Credit Karma survey, about 22% of Americans go into debt during the holidays to buy gifts for friends and family. And nearly 70% said technology is making it […]

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Black Friday is just around the corner.  Everywhere you turn, you’re bombarded with another ad . It’s easy to get wrapped up in the hype and go overboard, spending more than you planned. To keep you on track with your financial goals, we’d like to share some Black Friday shopping tips that stores don’t want […]

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