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Southern Blog

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The Facts about Debit Cards and Tips for Avoiding Fraud

Simple Financial Tips for College Students

By Charlestien Harris In all my years of tackling the topic of financial literacy, I’ve found that understanding basic financial skills and concepts is critical for a successful financial future.  Almost everything we do as adults like earning money, budgeting,...

The Facts about Debit Cards and Tips for Avoiding Fraud

Public Service Loan Forgiveness Program Explained

By Charlestien Harris Throughout the pandemic, many clients have asked about the Public Service Loan Forgiveness program and how their student loans will be affected.  The Public Service Loan Forgiveness program was created under the College Cost Reduction and...

The Facts about Debit Cards and Tips for Avoiding Fraud

Understanding the Refundable Child Tax Credit

By Charlestien Harris The child tax credit is a very popular topic these days so I thought I would provide some details to help explain the tax credit to the general public.  What is the child tax credit is the first question.  According to the IRS’...

The Facts about Debit Cards and Tips for Avoiding Fraud

Why Telephone Scams Often Target Seniors

By Charlestien Harris I am entering my sixties, so I am looking at financial issues that affect my age group more and more.  One of the most common issues is telephone scams. Telemarketing fraud is a multi-billion dollar business in the United States.  Every...

The Facts about Debit Cards and Tips for Avoiding Fraud

Paying Down Debt and Raising Your Credit Score

By Charlestien Harris As an accredited financial counselor, I’m often asked questions like “How long will it take for my credit score to increase when I make a payment on my accounts?” or “When will I see an increase in my score?”.  The answer I most often reply...

The Facts about Debit Cards and Tips for Avoiding Fraud

Breaking Down Your Mortgage Payment

By Charlestien Harris There are so many industry terms used in the home buying process that can be unfamiliar to the average consumer. One example commonly used by the mortgage lending industry is the acronym PITI.  PITI is an acronym for a mortgage payment that...