MoneyWisdom Blog

Josh Paul

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Accept the Challenge to Pay off Your Credit Card Debt

Posted by Josh Paul on Mar 1, 2017 11:18:00 AM

Credit card debt. Three of the most dreaded words in the English language. No one wants to think about, talk about it or even face the truth of it. It’s painful, ugly and overwhelming.

And it makes me really sad because last year, I got myself soooo close to wiping out my credit card debt and then something happened (who knows what!) and I slowly watched the bill grow every month. Fortunately, I made a plan to pay off debt and got the balance down to zero to start 2016. And now I have a can’t-fail plan that you can start today to pay down your credit card debt this year.

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Topics: Credit Cards, Personal Finance

Most Millennials Say No to Credit Cards — at a Price

Posted by Josh Paul on Jan 27, 2017 1:16:00 PM

I have three Millennial children (anyone born between 1980 and 1995 or so) and each has a credit card. Frankly, it scares me a little because I’m so afraid they’re going to fall into debt just like I did when I was their age. I understand their desire to have one, but I’ve also watched them get into trouble (carry a monthly balance) and listened to their complaints about being in credit card debt.

All I can do is urge them not to use the card unless it’s an emergency. And typical of children, they go and do what they want anyway.

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Topics: Credit Cards

A Spouse’s Pre-Deployment Financial Checklist

Posted by Josh Paul on Oct 3, 2016 8:00:00 AM

Hanscom FCU Resource: A Spouse’s Pre-Deployment Financial Checklist

Getting ready for a husband or wife in the military to be deployed is an emotional time. Financial issues might not be at the front of your mind, but having a plan in place before your spouse leaves can help relieve money-related stress later on.

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Topics: Business

Hanscom FCU Extends LifeLine to Department of Homeland Security Workers

Posted by Josh Paul on Feb 27, 2015 9:35:00 AM

Hanscom Federal Credit Union, stands ready to offer assistance in the event of a shutdown at the Department of Homeland Security.

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Topics: Business, Community, Personal Finance

Nine emergency budget cuts to help you through a government shutdown.

Posted by Josh Paul on Feb 25, 2015 1:59:00 PM

The potential Department of Homeland Security shutdown could impact many of the Hanscom FCU family. The suddenness of a furlough combined with it's undetermined length is enough to throw anyone into a panic. But the best way to get through times like these is to stay calm and put a budget plan together that reduces expenses.  Here are nine areas for quick and effective cuts.  Some are obvious and some you may not have considered.

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Topics: Business, Personal Finance

What to Do if Your Income is Reduced

Posted by Josh Paul on Feb 24, 2015 3:51:00 PM

It’s challenging enough for many of us to make a paycheck last when it comes on a regular basis, but what happens when you have to take mandatory vacation or are paid for some months out of the year but not others? Or what if you find yourself on government furlough? With planning and a careful look at your finances, you can survive the times when the checks are on hold but the expenses march on.

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Topics: Business, Personal Finance

Home Equity Lines of Credit - Better Safe than Sorry!

Posted by Josh Paul on Feb 9, 2015 9:57:00 AM

You’ve seen and heard all the ads: “Get a HELOC Today!”, “Make Your Home Work for You!” or “You’re Sitting on a Pile of Cash!”

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Topics: Home

Top Home Improvement Projects for Your Resale

Posted by Josh Paul on Feb 4, 2015 11:00:00 AM

I watch a lot of HGTV. I love home improvement shows and how lives can seemingly be transformed by new kitchen counters or a state-of-the-art media room. It makes me want to redo my entire house.

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Topics: Home

Why Employers Check Your Credit Report

Posted by Josh Paul on Jan 26, 2015 2:22:00 PM

Getting a job these days is tough. It’s a very competitive marketplace and jobs don’t seem to be growing on trees. Obviously, you have to do everything you can to make yourself stand out.

In addition to a great resume with lots of pertinent experience, you should also have a nice, clean credit report.

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Topics: Business, Credit Cards

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