Author Archives: Kara Schulte

Kara Schulte

About Kara Schulte

Kara Schulte, MA, is a current AFC candidate as an AFCPE intern. Kara holds a bachelor's degree in psychology from Campbell University and a master's degree in human services from Liberty University. She is a proud military spouse and soon-to-be mom for the first time. After working in the banking industry for several years, she noticed a strong need for financial education for consumers. Through her education and background, Kara strives to help those in need achieve financial stability.

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Don’t Throw Away FREE Money!

You do not have to be a “pro” or an extreme couponer to save money on your purchases.  Using a coupon is as simple as handing it to the cashier at the time you check out.  With many people feeling financially strapped due to the rising cost of food, gas, and, well, everything these days, coupons can help you keep a few extra bucks in your wallet.  Here are some coupon basics to help you save some green. Continue reading

Setting Goals & Achieving Them

I want to save more money.  I want to pay my new car off this year.  I want to save to put a down payment on a house in two years.  It is a new year which brings about the tradition of making the list of things you want to accomplish this year.  Unfortunately, by the time you read this, about 1/3 of you will already have given up on your New Year’s resolutions.  Continue reading

What Do You Mean There’s No Credit Repair Fairy?

You are watching your favorite show on T.V. and see a commercial that peaks your interest. “Do you have credit problems?” You think, “Why yes, I do!” The commercial continues, “No problem! We can erase your bad credit history forever and you can start all over!” How convenient does that sound! Of course there is a small fee associated with this magic credit eraser. You think to yourself the fee is worth having good credit again.

I am here to break the sad truth; this is a very popular credit repair scam. No one has the power to just create new credit identities. If you have poor credit history, then only time and your effort are the only things to rebuild your credit.   Continue reading

5 Tips to Help You Pay Down Debt

There it is again. That ugly four letter “d” word that seems to loom over you every day. According to a CBS Money Report  in August 2012, the average consumer credit card debt is hovering just below $5000. With a minimum payment of $100, or 2% of the card balance, and an interest rate of 9%, that would take 16 years to pay off! Add that on top of any other debts that you may have, and whoa! Things seem to be out of your control. With a little planning and a lot of effort, you can take back control and give debt the boot. Continue reading

4 Easy Steps To Track Your Monthly Spending

 “Where did all my money go?” “How did I go through my paycheck already?” Often times, we find ourselves staring at our bank account balance wide-eyed wondering what we spent our money on. Wondering where our money went is often a warning sign letting us know that we need to regain control of our financial situation. So how do we figure out where our money is going? Continue reading