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Boston, MA – December 21, 2022 The final days of 2022 are the perfect time to create a sound financial strategy for 2023. National nonprofit American Consumer Credit Counseling (ACCC) is advising its clients – and all consumers – on making the most of the post-Christmas week ... Read More »
Read MoreDecember 14, 2022 – By Brady Porche The Federal Reserve has dramatically raised interest rates in 2022 and, as a result, credit card interest rates are on the rise. Credit card interest rates can change whenever the Fed’s benchmark interest rate changes, and most cards have a variable ... Read More »
Read MoreBoston, MA – December 6, 2022 National nonprofit American Consumer Credit Counseling (ACCC) based in Auburndale, MA has been named one of the Top Places to Work in Massachusetts in the 15th annual employee-based survey project from The Boston Globe. The Top Places to Work 2022 ... Read More »
Read MoreBoston, MA – November 17, 2022 The holiday shopping season is here, and it can be easy to get carried away. Giving gifts, entertaining family and friends, and traveling for Thanksgiving or Christmas are all part of the traditions. But it’s important to keep close watch ... Read More »
Read MoreNovember 8, 2022 – By Nicole Spector We may be a country sorely lacking in financial literacy, but we all have one core principle ingrained in us: We must have an emergency savings fund. In theory, it sounds pretty simple: You make a certain amount of income, and ... Read More »
Read MoreBoston, MA – October 28, 2022 Monday is Halloween, and there is plenty happening in the U.S. economy to spook consumers about their financial health and readiness. October 31 is also World Savings Day – an opportunity for households to check their budget and expenses and ... Read More »
Read MoreBoston, MA – October 13, 2022 The U.S. economy is draining the fun out of life for many Americans hit by record levels of inflation, according to the American Consumer Credit Counseling (ACCC) Financial Health Index for the third quarter of 2022. While prices on some ... Read More »
Read MoreOctober 10, 2022 – By Jessica Dickler With prices rising nearly across the board, it’s getting harder to pay for basic necessities, causing some Americans to fall behind. To that point, 32% of adults have paid a bill late in the past six months, according to a ... Read More »
Read MoreBoston, MA – October 5, 2022 The Federal Reserve continues to raise interest rates and will likely not stop until the cloud of recession begins to lift. The latest increase put the federal funds rate at 3.25 percent, with the Fed indicating it may reach 4.25 ... Read More »
Read MoreSeptember 16, 2022 – By Mia Taylor American consumer debt — including mortgages, car loans, credit cards and student loans — reached $16.5 trillion in the second quarter of 2022, according to the New York Federal Reserve. Some Americans cannot manage their thousands of dollars of debt, forcing them ... Read More »
Read MoreSeptember 8, 2022 – By Lauren Schwann The Biden administration announced plans for federal student loan relief last month. The plans include the cancellation of up to $10,000 in debt for borrowers who meet income requirements and up to $20,000 for Pell Grant recipients. Beyond cancellation, the ... Read More »
Read MoreAugust 17, 2022 – By Kat Tretina If you have less-than-stellar credit, you may find that qualifying for a loan is tricky. Opting for a secured loan—where some form of your assets or property act as collateral—may make it easier to get a loan. Lenders are more ... Read More »
Read MoreAugust 16, 2022 – By Jessica Dickler Sometimes a life raft can look a lot like a credit card. In an economy that has produced the highest inflation rate since the early 1980s, Americans are struggling to keep up with day-to-day expenses and are increasingly relying on credit cards to stay ... Read More »
Read MoreBoston, MA – August 11, 2022 As the Federal Reserve continues its efforts to mitigate inflation by raising interest rates, credit card rates won’t be staying behind. Those with credit card debt will see an increase of 0.75 percent on interest rates. American Consumer Credit Counseling ... Read More »
Read MoreAugust 4, 2022 – By Alicia Adamczyk After a “decade of spending,” Jamie Feldman knew things had to change. Between countless nights out in New York, standing up in several expensive weddings, and charging some expenses after being laid off from her full-time job in March 2021, the ... Read More »
Read MoreJuly 26, 2022 – By Jessica Dickler With inflation hitting a 40-year high in June, Americans are struggling to keep up with rising prices and putting less money aside for emergencies or long-term financial goals, several studies show. Americans’ overall satisfaction with their financial condition now stands ... Read More »
Read MoreBoston, MA – July 19, 2022 The high prices of everyday expenses due to record levels of inflation are not allowing Americans to put money aside for emergencies or long-term financial goals, according to the American Consumer Credit Counseling (ACCC) Financial Health Index for the Second ... Read More »
Read MoreJuly 7, 2022 – By Ann Carrns With interest rates rising along with worries about an economic slowdown, now is a good time to pay down credit card balances and bolster emergency savings, financial experts say. The Federal Reserve raised its key interest rate by an aggressive ... Read More »
Read MoreJune 29, 2022 – By Kat Tretina There are many perks to homeownership. You can paint your walls whatever color you want. You can have a cat (or three). And you can also establish equity — that is, gain full ownership of your home bit by bit as you pay ... Read More »
Read MoreBoston, MA – June 16, 2022 The blunt financial reality of the American college experience is that most students who graduate will do so while carrying the first major debt of their lifetimes. As families and households see their children advance through secondary school on a ... Read More »
Read MoreBoston, MA – May 23, 2022 Medical debt under $500 that has been placed into collections will be removed from Americans’ credit reports after July 1st, 2022. The policy change was announced recently by the three Nationwide Credit Reporting Agencies (NCRAs): Equifax, Experian, and TransUnion. National nonprofit American Consumer ... Read More »
Read MoreMay 19, 2022 – By Maryalene LaPonsie Not everyone relishes the idea of proactively managing money and maintaining a budget. However, creating a budget – and sticking to it – are key first steps toward reaching financial goals large and small. It’s also something that is increasingly important given ... Read More »
Read MoreMay 9, 2022 – By Jordan Rosenfeld People don’t set out in life with the intention to accumulate debt, but it’s pretty likely that most people will to some degree. From student loan debt to credit card debt, it’s sometimes a necessity for just getting by. Financial advisor ... Read More »
Read MoreMay 6, 2022 – By Heather Taylor When we think about wealth, we often think of individuals who have high incomes, successful businesses and smart investment returns. What we don’t often consider, however, are the everyday financial habits that allow us to build wealth. Savvy financial behavior not ... Read More »
Read MoreBoston, MA – April 25, 2022 As U.S. inflation worsened amidst the escalating crisis in Ukraine, consumers polled for the first American Consumer Credit Counseling Financial Health Index of 2022 said their household spending was being cut back in both critical and discretionary categories. A third ... Read More »
Read MoreApril 16, 2022 – By Nicole Spector We may be a country sorely lacking in financial literacy, but we all have one core principle ingrained in us: We must have an emergency savings fund. In theory, it sounds pretty simple: You make a certain amount of income, and ... Read More »
Read MoreApril 8, 2022 – By Cynthia Measom Proper planning is crucial when it comes to your finances — not only for the decisions that can affect your wealth now but also for those that will influence your bottom line long term. But knowing how to make the best ... Read More »
Read MoreBoston, MA – March 29, 2022 Identity theft has become so common in the United States that a person is victimized every 14 seconds. The Federal Trade Commission logged 2.2 million fraud reports in 2020, while documenting that millennials represented 35 percent of all ID theft ... Read More »
Read MoreBoston, MA – March 21, 2022 The financial disparities between men and women in America have been an issue for decades. It was not until 1963 that The Equal Pay Act was introduced to reduce the wage gap between men and women. Nearly 60 years later ... Read More »
Read MoreMarch 16, 2022 – By Kat Tretina For most people, credit cards are an indispensable tool. They’re a convenient, secure payment method that also lets you earn rewards and build credit that will help you later on in your financial journey. But as a tool, credit cards must be used carefully. Otherwise, you ... Read More »
Read MoreMarch 10, 2022 – By Amanda Barroso In a given year, you likely have expenses that you know are coming — holiday gifts, the family vacation you take every summer, annual homeowners association fees or maybe membership renewals. But just because these costs are predictable doesn’t mean ... Read More »
Read MoreBoston, MA – February 22, 2022 American households readying for the tax filing season should take extra care in preparing their 2021 returns and take steps to avoid a massive IRS backlog, American Consumer Credit Counseling (ACCC) advised today. The non-profit debt management and credit counseling ... Read More »
Read MoreFebruary 18, 2022 – By Cynthia Measom Proper planning is crucial when it comes to your finances — not only for the decisions that can affect your wealth now but also for those that will influence your bottom line long term. But knowing how to make the ... Read More »
Read MoreFebruary 7, 2022 – By Sarah Brady After nearly two years into the pandemic, employers have had to face the opportunity — and the necessity — of assessing a new set of workforce needs and to demonstrate effective leadership. However, if resignation rates are any indication of ... Read More »
Read MoreJanuary 29, 2022 – By Kat Tretina The prices of both used and new cars have skyrocketed in the past year, due to production shutdowns during the pandemic and inventory shortages as demand outpaced supply. The average price Americans paid for a new car increased by $6,220 in 2021, ... Read More »
Read MoreBoston, MA – January 25, 2022 Confidence in the U.S. economy has been shaken among a large percentage of those polled for the final quarterly ACCC Financial Health Index of 2021, while many are planning to leave their jobs or at least consider it in 2022. ... Read More »
Read MoreJanuary 18, 2022 – By Erica Sandberg When you use your credit cards, the transactions are between you and the issuer. But if you ever need some motivation to check your spending, imagine your statements are available for all to see. That actually happened recently to “The Real ... Read More »
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