Inflation is a hot topic right now. It affects your grocery bill, gas tank, and even your savings goals. Understanding inflation and how it works is the first step to protecting your financial health. What is inflation? Inflation is the rate at which the cost of goods and services rises over time. A...

If you are struggling with multiple debts, you are not alone! Many people face the challenge of juggling credit card bills, personal loans, and medical expenses. Two common strategies to regain control are debt consolidation and debt settlement. Understanding the difference can help you make a confi...

Buying your first home is one of the biggest financial decisions you’ll ever make. But with so many steps, it’s easy to feel overwhelmed. At Walters Financial Wellness, we believe the key to a smooth home-buying experience is a clear plan and smart financial preparation. Here’s a step-by-step money ...

High-interest rates are common when you are building or rebuilding your credit. But it is also possible for it to happen during times of economic security. Whatever the reason for your high-interest rate, there is a way to negotiate lower interest rates with your creditors Why Lowering Your Interest...

Living paycheck to paycheck can feel like you’re never going to get ahead. But, breaking the cycle is possible with a few simple changes to your financial habits. Here are five practical budgeting hacks to help you take control of your money and start building a stronger financial future: 1. Track E...

Money is part of life, but many of us never learned how to handle it until we were already struggling with debt, bills, or budgeting. Teaching your kids about money early gives them a head start toward financial independence, confidence, and security. The good news is that you don't need to be a fin...

Struggling with debt can feel isolating, but you are not alone, and there is help available. If your monthly payments are getting harder to manage, your credit card balances are climbing, or you are simply overwhelmed by financial stress, credit counseling could be the lifeline you need. What is cre...

Many people struggle with budgeting, debt, saving, or knowing how to manage their finances day-to-day. The good news is that you don't have to figure it all out on your own. Financial counseling offers support, education, and practical strategies to help you take control of your financial life, no m...

Divorce is one of the most emotionally challenging life events that a person may go through. With all of the strong emotions a person may feel, it's easy to forget the financial side of things. Divorce can be a financially complex period in your life. Whether you are in the middle of the process or ...

Many people think that the only way to build credit is to take on debt. But, here's the truth: you don't need to carry a balance or borrow large amounts to have a great credit score! With the right strategies, you can grow your credit history while keeping your finances safe and interest-free. Under...

If life has taught us anything, it's that surprises happen. Surprises like car repairs, medical bills, and job changes, just to name a few. Without a financial cushion, those surprises can turn into stressful situations. That's where an emergency fund comes in. But, fear not, an emergency fund is no...

Student loans can feel like a heavy weight, especially when you're trying to build a stable financial future. Whether you are fresh out of school, back in repayment after a pause, or still trying to make sense of it all, you are not alone. At Walters Financial Wellness, I believe that knowledge is p...

Your credit score can feel like a mysterious number that decides your financial fate, but it doesn't have to be that way. Whether you are trying to rebuild after a setback, planning to buy a home, or just want to feel more confident with your money, understanding how your credit score works is the f...

Have you ever looked at your paycheck and thought, "Wait... where did all my money go?" You are not alone. For many people, paychecks feel confusing and even frustrating. Once you understand what all those deductions and taxes mean, you'll feel more in control of your money. Here is a simple breakdo...

Hearing from a debt collector can feel terrifying. Maybe it was a call, a letter, or a notification that popped up out of nowhere. Whether you expected it or not, it's easy to feel panic, shame, or even freeze up completely. But here is the truth: you still have options. You still have rights. And, ...