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Cindy Morus
Personal Finance Coach

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Personal Finance Coach Personal Finance Articles by Financial Recovery Counselor

Cindy is a Certified Financial Recovery Counselor
Cindy S. Morus
Certified Financial Recovery Counselor

Cindy is a Certified Financial Recovery Counselor specializing in showing women and their families how to achieve financial well-being and peace of mind.
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Cindy Morus Personal Finance Articles Cindy Morus Personal Finance Articles

How to Have More Fun With Your Tax Refund in 2005
Cindy Morus - Tax + Personal Finance Article
I counsel a lot of people about money. I see the same mistakes being made over and over again.
If you’ve made ‘em, don’t worry. I’m here to help you do it right this year! The fact is, moneymakers need a money coach, just like gymnasts need a gymnastics coach.
::: Read Full Tax Refund Article
Create your own Anti Emergency Fund
Cindy Morus - Savings + Personal Finance Article
Do unexpected car repairs, quarterly insurance payments or those darned property taxes find you hard pressed to squeeze one more dollar out of an already stretched monthly budget? Or do you usually end up reaching for the plastic in your wallet to make up the difference? Those inevitable expenses can put less stress on your bank balance -- and your mind -- if you learn to expect them and save in advance.
::: Read Full Savings Article
Top 10 Secrets to Avoiding “Marital Money Chaos©”
Cindy Morus - Personal Finance Article
Money can wreck a relationship. In fact, how they spend, save, and account for money is one of the leading sources of disagreements between couples. In almost every study, money ranks as the first or second most argued-about topic for couples and partners.
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How Much Credit can you Afford?
Cindy Morus - Personal Finance Article
Before making the decision to add more debt, you need to make sure that you: Allocate sufficient money for your essentials... Borrow only for items that you need and can afford... Borrow only if you're spending less each month than you take home.
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Build Your Own Safety Net Savings
Cindy Morus - Personal Finance Article
Do you walk the high wire of personal finance? Is every month a balancing act that works only as long as the next paycheck arrives on time? What happens if that next paycheck doesn't arrive? The cause could be many things which you cannot control: an illness, a layoff, a sales slump.
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5 Key Savings Strategies
Cindy Morus - Personal Finance Article
The best investment most borrowers can make is to pay off consumer debt with double-digit interest rates. For example, if you have a $3,000 credit card balance at 19.8%, and you pay the required minimum balance of 2% of the balance or $15, whichever is greater, it will take 39 years to pay off the loan. And you will pay more than $10,000 in interest charges.
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Phelps Creek Financial Coaching
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