can i afford to buy a house

Can I Afford to Buy a House?

So, you’ve decided it’s time to purchase a home. You’re finally ready for that place you can truly call your own. At this point, you’re probably filled with so many different emotions—and I completely understand! Purchasing a home is likely the largest purchase you’ll ever make. EVER! My name is Nekiba Johnson and I am a Nationally Certified Credit Counselor …

Stack of papers in front of a blue background

Is It Worth It to Get a Debt Consolidation Loan?

Managing debt can be tricky, and debt elimination advertisements can be found all over. Attorneys, nationwide companies, social media outlets, television networks—are all offering different ways to try to make you debt-free. For many people, determining which plan is best can be difficult. Many of these options are not good for consumers and can put them into a negative or …

#AskPelican Season 3 Recap

#AskPelican Season 3 Recap

Where does the time go? We have now wrapped up three seasons of #AskPelican, and the appreciation we have for our readers, subscribers, and viewers can’t be overstated. This series of videos and blogs is made possible by you! The #AskPelican series has become a hit since its launch in 2017. The questions our team members answer are sent in …

Shared Phone Plan

Is It Worth It to Add Someone to Your Phone Plan?

In my line of work, I meet with people all the time to discuss their financial situations. After establishing exactly what the situation is, my end goal is to get my clients back on the road to financial success. One topic that often comes up with clients is the topic of shared phone plans. This is a topic both my …

What Documents are Needed to Buy a Home?

Applying for a mortgage loan can seem like an overwhelming experience. During the lending process, your lender will ask you for a lot of different documentation that you may not be familiar with in the beginning. Knowing what documents are needed beforehand will not only help your loan move forward more smoothly, but will also help your lender identify more …

Examining your medical collection

How Do Medical Collections Affect Your Credit?

Have you ever been billed for medical issues and didn’t have the means to pay the bill at the time, causing the bill to go into collections? Situations like these are common and could cause a domino effect of problems. It’s important to understand how medical collections can impact your credit, but first, we need to identify what a medical …