Credit

Bad Credit  
Bad Credit
The term "bad credit" is used to describe a bad credit rating. Common practices that can damage your credit rating include making late payments, skipping payments, exceeding the limits on your credit cards, and declaring bankruptcy. Having a bad credit rating means you'll pay more for pretty much everything you need, from car loans to cell phones. Once lenders red-flag you as a credit risk, the flag will fly until everything has been paid or settled. There are several reasons why good credit can go bad. Many people attempt to buy everything they need -- and want -- in one fell swoop, often leaving themselves with credit-card debt, car payments, home mortgages and other types of debt to pay off every month. These guides to bad credit from The Survivors Club can help you understand, deal with, and find support for your bad credit situation. Start your Journey to Recovery
Financial Planning  
Financial Planning
Financial planning is still a relatively new field. Only a few decades old, financial planning is the process by which trained professionals help others make decisions about their short-term and long-term financial needs. Financial planning requires both reason and instinct. You need to be able to make good decisions to put yourself on the path to a solid financial future. On the other hand, you should let your gut have a say, too. Just be sure you can strike a good balance. If you or someone you love is about to start their journey of financial planning, this Survivors Club guide can help inform your choices. Start Your Journey