Denise's Blog

Money Insights, Wisdom, and More


Money Minder Express

The Money Minder Express is the electronic  tool I currently use to bring my clients into crystal clarity with money. The beauty of this tool is that it allows you to view your money picture at any time from a macro to a wide angle view. This tool allows you to PLAN, TRACK and ANALYZE your cash flow. Data entry is currently manual.

(P.S. Many people get confused between accounting tools and budgeting tools. Accounting tools give you a rear-view mirror view. You look backwards at cash flow. Budgeting tools offer you a view through the windshield so to speak. If you are working on personal cash flow management, a budgeting tool is more effective than an accounting tool)

Priority Calculator

CNN Money has created this very user friendly great priority calculator. I sometimes have many things I want to do swirling around in my head that cost money. This tool helps you to figure out your priorities so you can then determine which ones to fund over a certain period of time.

This calculator is also helpful in defining what your top values are.

Consumer Guide to Understanding Credit Cards

As a consumer, it pays to be smart when choosing and using a credit card. This site–maintained by the Federal Reserve Board, whose goal is to protect the credit rights of consumers–provides a basic guide to navigating the credit card process.

A Place to Explore Best Loan Rates and Best Credit Cards

This is a great site to help you find competitive loan rates and the best credit card rates for you. This is the site I send my clients to when strategizing on debt consolidation. Sometimes it pays to do a balance transfer of one credit card to another.

Debt Management Program

Consumer Credit Counseling (ACCC) is a non-profit (501) (c)(3) organization, offering confidential consumer credit counseling services, debt management and financial education to consumers nationwide. Founded in 1991, ACCC is a leader in the credit counseling industry and has more than twenty years of national credit counseling experience.

As a non-profit credit counseling organization, ACCC is mandated to comply with all state and federal laws. Although compliance is a legal requirement, it also serves to demonstrate to consumers, creditors, and regulators that ACCC is a reputable organization that provides quality service for minimal fees to the consumer. Further, state licensing allows the consumers to be assured that ACCC utilizes best practices in handling the consumer’s monthly payments.

I recommend this service over others because this service is federally regulated, many of the ones you see on television are not. When an agency isn’t regulated, you have minimal protection if you are harmed by their actions on your behalf.

Experian Credit Report and Score

Each credit reporting agency (there are three total) carries a credit report on you with a numerical score. The higher your score, the more “credit worthy” you are. The national average score is 693. I recommend obtaining reports and scores from all three credit agencies for comparison and to make sure your records match theirs.

Trans-union Credit Report and Score

Consider just obtaining your score and report. You can do your own credit monitoring instead of paying the monthly monitoring fee.

Equafax Credit Report and Score

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