"Keeping Our Railroad Family On Track"
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RT# 307084004 | 300 N 6th St Belen, NM 87002 | (505) 864-4740
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"Keeping Our Railroad Family On Track"
Sadly, some dishonest people have focused their attention on senior citizens. Taking advantage of fear, hope, and trust, these scammers defraud thousands of older Americans each year out of much needed cash. If you receive a call, letter, or a personal visit from anyone claiming the following, chances are you’ve been contacted by a rip-off artist.
According to the Federal Reserve, American credit card debt was nearly one trillion dollars at the end of the third quarter of 2020. This considerable amount of consumer debt means that many families need strategies to help them get out of debt. If you feel overwhelmed by your current financial situation, you need to understand that you are not alone. We have identified eight strategies that you can use to help you reduce your debt load and get your financial situation back on track.
Click Here to Read: 8 Tips to Help Eliminate Debt Starting Now
Join our recorded webinars before they expire and find out ways to reduce financial stress and become financially empowered!
Join on your own time.
While there are hundreds of “debt counseling” organizations across the country, we have agreed to quality standards that include accreditation, certification of counselors, audits and core policies that ensure quality service. We offer a Debt Management Plan, and are committed to providing comprehensive money management education and counseling.
To speak with a counselor, call toll-free 888-456-2227.
Monday–Thursday 7:30 AM–6 PM, Friday 7:30 AM–5 PM, Saturday 9 AM–2 PM (Pacific Time)
Monday–Thursday 10:30 AM–9 PM, Friday 10:30 AM–8 PM, Saturday 12 PM–5 PM (Eastern Time)
Simply stated, your financial goals usually are going to require some cash. Whether your aim is to be able to pay all your bills on time or you are planning a vacation to the Caribbean, accomplishing your objectives means finding and earmarking the money to do it. While you may be able to accelerate the pace of achieving those goals by generating extra income, often it is easier to get there faster by cutting some of your current expenses. This toolkit is designed to help you analyze all your expenditures and target specific areas where you can free up some money to put toward your goals.
Buy new, buy used, or lease? These are just a few of the many decisions you’ll need to make before happily driving away with a vehicle. While shopping for a car or truck is exciting, it is also no simple matter. You can avoid buyer’s remorse by making important financial and practical decisions before signing on the dotted line.
By reviewing the pros and cons of buying and leasing, how to analyze and determine your personal requirements, how to get the best purchase price and financing deal, and the laws that protect your rights as a consumer before you shop, you can be sure to make the right choice.
Click Here to Read: How to get the Best Deal When Buying a Car
Money Management Planner
As new college graduates, young professionals, and others in their twenties launch their careers, they get bombarded with tempting ways to spend money. For many, handling a more considerable income and “adult” expenses like rent, utilities, and insurance, is anew experience. Now more than ever, money management will be a skill needed to meet future saving and investing goals.
Here are tips for twenty-somethings to help control spending and manage their money.
Click Here to Read: Practical Ways for Young Adults to Sharpen Their Money Skills
Do you have serious white-knuckle moments once or twice a month, waiting to see if your money will last until you get paid again? If so, you’ve probably looked for ways to avoid this stress. You’ve worn your expense tracking pencil down to a nub and you regularly see spreadsheet columns in your dreams. It just doesn’t feel like there’s anything left to cut. While you may feel like you’ve exhausted all options, there are certain steps financial counselors point to time and again as overlooked ways to give yourself some cash flow breathing room.
Click Here to Read: Getting Off the Paycheck-to-Paycheck Cycle
Holiday spending is often a spending plan-buster. The expenses can be numerous: presents, wrapping paper, cards, decorations, food, and travel, to name a few. Yet very few people have an unlimited holiday budget. If you do not have the funds to buy everything you want, there is no need to despair. A little bit of creativity and energy can get you through the holidays without draining your wallet.
Click Here to Read: Get Creative! Ways to Lower Holiday Spending
For all the procrastinators out there, the time has come. Christmas is right around the corner, so break out that gift list and put on your thinking Santa cap. Not exactly flush with cash? With a little creativity, you can still find (or make) presents for everyone on your list.
Click Here to Read: Affordable last-minute gift ideas for any occasion
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It's Thursday 3:25 AM — We are currently CLOSED