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Advantage Advisor
Monthly Newsletter: August - 2026
| | Back-to-School Without Breaking the Bank | The back-to-school season is exciting, but it can also put a strain on your wallet. Between school supplies, clothing, electronics, sports equipment, and activity fees, costs can add up quickly. Whether you're sending a child to kindergarten or preparing a student for college, a little planning can go a long way toward keeping your finances on track. | | 1. Financial Literacy For Young Adults: A Complete Guide To Making Smart Money Decisions | | 2. Medical Debt In 2026: What Every Consumer Needs To Know | | 3. Understanding What Debt-to-Income Ratio Means | | 4. Clients Speak Out (Reviews) | | |
| Financial Literacy For Young Adults: A Complete Guide To Making Smart Money Decisions | Whether you’re heading off to college, starting your first job, joining the military, attending trade school, or simply beginning life on your own soon, you’re about to make some of the most important financial decisions of your life. Unfortunately... | | | |
| Medical Debt In 2026: What Every Consumer Needs To Know | Medical debt continues to be one of the leading causes of financial stress for millions of Americans. Even with health insurance, an unexpected illness, emergency surgery, or hospital stay can leave families facing bills they never anticipated. The good news is... | | | |
| Understanding What Debt-to-Income Ratio Means | When you’re applying for a mortgage, car loan, credit card, or even trying to improve your financial health, you’ll likely hear the term debt-to-income ratio, often shortened to DTI. While it may sound like another confusing financial term, understanding your debt-to-income ratio can... | | | If you feel overwhelmed or unsure where to start, you are not alone. Our certified credit counselors work with individuals and families every day to create personalized action plans focused on budgeting, debt repayment, and long-term financial health. Counseling is confidential, judgment-free, and designed to meet you where you are. Whether you are facing rising debt, planning for a major life change, or simply want a second opinion on your financial plan, we are here to support you in 2026 and beyond. |
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Before making any non-essential purchase, wait 24 hours.
Giving yourself a full day before buying often reduces impulse purchases and helps you decide whether the item is truly worth the cost.
Many people are surprised by how often they decide they don't really need the purchase after sleeping on it.
If you are trying to save money, then give the 24-Hour Rule a go!
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"They made the process very simple at the start and handled the situation respectfully. No one is proud of being buried in debt, and shame wouldn't help. The staff was always pleasant to deal with and very clear in explaining everything. Honesty, no surprises, detailed monthly statements of progress. A clear plan out of debt. I was very pleased with the whole process and would recommend them to anyone in debt trouble. It became automatic, and over the course of the plan, everyone got paid, and my credit quickly recovered." | | | |
"I had the pleasure of speaking to Robin this evening. She was patient, kind, and very informative. I feel much better about my financial and credit situation after speaking with her and finding your company. I would recommend you guys to anyone. Thank you!" | | | |
"I was very pleased with my experience with Advantage Credit Counseling Service. They were very professional and explained the process thoroughly. Answered any questions I had and were easy to reach and speak with when needed. My bills are now paid off, and it is such a big load off of me. I would recommend them to anyone who needs assistance paying off debt." | | | | |
💡 Did You Know?
According to national retail surveys, families with children in elementary through high school spend hundreds of dollars each year on back-to-school shopping, while families with college students often spend even more due to the added cost of electronics, dorm furnishings, and textbooks. Planning ahead, shopping sales, and sticking to a budget are some of the most effective ways to reduce those costs.
☎️ We're Here to Help
Managing everyday expenses can be challenging, especially during costly times of the year, such as back-to-school season. If you're finding it difficult to keep up with credit card payments or other household expenses, you don't have to face those challenges alone.
Our certified credit counselors provide confidential, personalized guidance to help you evaluate your financial situation, develop a realistic budget, and explore solutions that fit your needs.
At Advantage Credit Counseling Service, we're committed to helping individuals and families build a stronger financial future—one smart decision at a time.
| | Disclaimer: The information provided is for informational purposes only. The materials are general in nature, and are not offered as advice or guarantee, and should not be relied upon without advice from an attorney or a financial advisor. Reading the information does not constitute a legal contract, consulting, or any other relationship with Advantage Credit Counseling Service. | | | | |
