At CCCSMD, our goal is to help you overcome financial hurdles by teaching you how to manage income, credit, and debt. By teaching our clients how to do this on their own, we know you’ll prosper independently with the skills you need to succeed. With more than 5-decades of financial advising experience, our team of […]
Retirement means entering a phase of life where you get to do things you love and have longed to do, like travel. Retirement means an end to the 9-5 grind, but it’s also an end to steady paychecks. This means relying on your savings, pension, and investments to pay the bills and get you where […]
Building financial security is all about finding that balance between planning for the future and living a comfortable lifestyle today. It’s never too late to turn your financial health around and the more committed to a healthy financial life you become today, the more security you can build for the future. Adopt these habits today […]
Budgeting for Savings There’s a line item in my budget that I’ve always struggled with – savings. This should be the easiest line item because it’s my money that I am putting away for myself. But I can’t tell you how many times I budgeted to save $100 from my paycheck but didn’t end up […]
Enjoying the Savings Journey, One Dollar at a Time I used to get very discouraged with my savings account. As soon as I managed to save $100, some emergency would come up that depleted the balance to zero again. I knew I wanted to save 3-6 months of living expenses, which was much more than […]
Having some money stored away is one of the best feelings I have ever had. I don’t crave being rich but I do crave feeling secure. Having a savings account buys me that security and makes me ready to face whatever challenges are thrown my way. The savings process may be slow and steady but […]
Debt Management Plans vs. Bankruptcy vs. Debt Consolidation vs. Debt Settlement When you carry high levels of consumer debt, it takes an emotional toll on your life. The worry that looms over you about your ability to pay your creditors timely can be overwhelming, especially if you are living paycheck to paycheck or recently experienced […]
I remember being really anxious when I would make a purchase with my debit card and the machine would ask if the charge amount was OK. Even as I touched YES, I didn’t always know if that was true. Before I started budgeting, I would often spend money that I wasn’t sure I had. Swiping […]
Understanding your credit, working towards financial goals, paying debt obligations, and having an awareness of your monthly income and expenses are all part of your financial wellbeing. And, your financial wellbeing impacts every facet of your life – your work and personal relationships, mental and physical health, ability to provide for basic living expenses – […]
Maryland has one of the highest individual debt-to-income ratios in the United States, which is partially due to rising student debt as well as the cost of living with Maryland ranking as the 7th most expensive State to live in. That is understandably frustrating. How can you take care of your obligations and your family […]
With two young children, my tolerance for things being out of control is constantly challenged. There are messes and clutter in every room of the house. The dresser drawers lose their organization just minutes after I put away clean clothes. Most days feel like I spend the majority of my time chasing after things I […]
As soon as Thanksgiving is over and my husband pulls out the Christmas decorations, my anxiety goes through the roof. My parents are divorced so my husband and I have to balance the holidays with visiting three families. We also have a wonderful circle of friends that we want to celebrate with. We have church […]
Guidewell Financial Solutions will Become CCCSMD December 15, 2018 Same Team. Same Commitment to Service Excellence. Over the past year, our agency has gone through tremendous transition and growth, including this past month as we undertook training and process improvements to provide our clients with the highest quality service and support. We are entering 2019 […]
Before Thanksgiving comes the benefits-enrollment season, and while most of us know we should be saving more, many people feel overwhelmed trying to figure out their options. The Internal Revenue Service recently announced an increase in the contribution limits to retirement savings plans, but only about half of all working Americans contribute regularly, meaning they […]
Does Halloween invariably freak out your October budget? Research says it deserves its own line item, with the 175 million consumers expected to spend an average of $86.79 – or $9 billion – on the holiday, according to the National Retail Association. It is easy to get caught up in the fun and forget to […]
6315 Hillside Court, Suite B,
Columbia MD 21046
1-800-642-2227