Get Your Free
Savings Estimate!
Find out how much you could save in just minutes. No commitment.
Financial Leverage vs. Debt: How to Make Money Work for You, Not Against You
By Deborah W. Ellis, CFP®, MBA, CRPC® Deborah W. Ellis is the founder of Ellis Wealth Planning, a fee-only fiduciary financial planning firm. An investor, author, and speaker, she helps individuals and families better understand their finances, navigate important life transitions, and make informed decisions about wealth, retirement, and legacy. Connect with Deborah on LinkedIn How debt and leverage differ
Banks Tightened Credit Card Standards in the Latest Fed Survey: What to Do If Your Balance Is Growing
The Federal Reserve’s August 3 lending survey found that banks tightened credit-card standards in the second quarter. For someone whose balance is already growing, the practical message is to understand the monthly pressure before relying on more credit. EPBy Eric PemperAugust 5, 2026 | 5 min read Key TakeawaysThe Federal Reserve’s July 2026 Senior Loan Officer Opinion Survey was released
Savings Are Getting Thinner While Household Spending Keeps Rising
BEA’s July 30 report shows June household spending rose while the personal saving rate was only 2.7%. For people already carrying credit card balances, personal loans, or other monthly debt, that smaller cushion can make one surprise bill harder to absorb. EPBy Eric PemperJuly 31, 2026 | 5 min read Key TakeawaysBEA said personal income increased 0.2% in June while
Gas Prices Above $4 Put Household Budgets And Credit Card Balances Back In Focus
AAA’s national average for regular gasoline was above $4 on July 30, while EIA’s latest weekly data showed regular gasoline nearly a dollar higher than a year earlier. For households already juggling card balances, rent, groceries, and loan payments, fuel prices can quietly turn into a credit and cash-flow problem. EPBy Eric PemperJuly 30, 2026 | 5 min read Key
When Available Credit Starts Replacing Income: Warning Signs And Next Steps
By Joshua Katz, CPA Founder, Universal Tax Professionals Updated July 30, 2026 When Available Credit Starts Replacing Income: Warning Signs And Next Steps When credit cards start covering groceries, utilities, gas, or other recurring essentials, the issue is often larger than a single high balance. It can mean that monthly income is no longer covering monthly costs. Recognizing that pattern
Cash Crisis Management for Founders and Small Business Owners: What Actually Works When the Runway Is Already Short
Yousuf Rizvi, CPA · Principal and Fractional CFO, Ridgeway Financial ServicesGuest Contributor · CuraDebt · Updated July 29, 2026Cash Crisis Management for Founders and Small Business Owners: What Actually Works When the Runway Is Already ShortFrom CuraDebt · Key TakeawayQuick answer from Yousuf Rizvi, CPA: When a small business cash runway is short, the immediate priorities are a 13-week cash
