2014 Statistics
States Served Florida Virginia Ohio Pennsylvania Kentucky5 Free Financial ClinicsClients Served Avg. Household Income: $49,585.50 Avg. Household Size: 2.5 Single: 25%...
View ArticleShould we help the unhelpable?
A common objection I hear when speaking to other professionals about partnering with me to provide services to low-income individuals is they don’t know anyone who needs help. A second, closely related...
View ArticleWhat is a Debt Management Plan?
Let’s begin with a caveat. Zacchaeus Financial Counseling, Inc. does not engage in or endorse credit counseling. Credit counseling is heavily regulated, and for good reason. It has significant...
View ArticleHelping the Unhelpable: We First Have to Look at People Differently
If the American Psychological Association’s Stress in America study is correct – that 3 of 4 U.S. adults experience at least some stress from financial matters and 1 of 4 experience financial stress...
View ArticleHelping the Unhelpable: Dealing with Hopelessness
Marshall Shelley in his book Helping Those Who Don’t Want Help provides two reasons people often resist help or refuse to reach out for help.1. They don’t know what they want out of life. Shelley’s...
View ArticleHelping the Unhelpable: Bonus Material
In Luke 6:30 of the Bible, Jesus said, “Give to everyone who asks of you, and whoever takes away what is yours, do not demand it back.” Whether you are religious or not, you’re presented with a...
View ArticleDoes your financial literacy program measure up?
Is your short-term financial literacy program effective? A new research study says it is probably not as effective as you think. Researchers at the Wharton School found that “it is not enough to simply...
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Can you identify this object?
Can you identify this object? This is not a trick. It is a real object with a specific name. Think you know what it is? Comment on this blog post with your guess.I will give you one hint. The camera...
View ArticleAre You Ready for EMV Technology?
Don’t close this window just yet because you don’t know what EMV is. If you think EMV does not apply to you, think again! Credit and debit card issuers are using EMV technology to change the way you...
View ArticleCoaching Time-Out
Have you ever wondered what the catcher and pitcher discuss during a time-out in a professional baseball game? From time to time you will see the catcher go to the pitching mound, have a brief...
View ArticleIs a Debt Management Plan a Good Idea?
Let’s begin with a caveat. Zacchaeus Financial Counseling, Inc. does not engage in or endorse credit counseling, credit repair, debt relief, debt settlement and similar services. These services are...
View ArticleShould I consolidate my debt?
There is no one-size-fits-all answer to this question. However, you should consider a number of issues and factors before deciding to consolidate.First, let's ask why you are interested in...
View ArticleHave we been manipulated into debt?
Edward Bernays, the father of modern consumerism, the designer of “public relations” as we know it today and the creator of modern marketing campaigns, wrote, “The conscious and intelligent...
View ArticleYou Can Win the War Over Your Wallet
In the last post, we opened a discussion on the exacerbation among low-income households and those in poverty of debt levels as a result of public relations manipulation techniques developed by Edward...
View ArticleWhat is more important -- achieving a goal or winning your neighbor's approval?
How you answer that question depends on which you perceive to be more important. So, have you decided?In the last post, we considered the case of my son’s being bullied in school and how understanding...
View ArticleSave, Spend or Invest?
One of the key roles of the Federal Reserve is to control monetary policy. What exactly this means and how it is done can all seem rather mysterious and beyond comprehension. However, a powerful tool...
View ArticleHave You Ever Had One of Those Weeks?
Have you ever had one of those weeks? A week when you wish you could play a country song backward, and get your dog back, your truck back, your house back and your wife back. Or maybe you wish you...
View ArticleDifficulties Can Be Opportunities for Growth ... If We Allow It
People go through difficult situations all the time. It is a fact of life. When life gets really tough, it can be easy to scream back that God, life or something somewhere is trying to crush...
View ArticleDoes An ABLE Account Fit in Your Financial Plan?
If you are a person with disabilities, or know a person with disabilities, who is dependent on supplemental assistance, saving money just became a whole lot easier.Traditionally, a person receiving...
View ArticleTrickle Up or Trickle Down?
The basic premise behind the economic stimulus packages put together by the federal government in recent years is that if the masses have money they will spend it. When they spend it, their money...
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