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Friday, May 15, 2020


Hello, my name is Jeannie Boyd and I am an accountant who has been interested in consumer finance for many years.  I have operated two websites on consumer finance since 1998 where my focus has always been on helping regular Americans improve their credit ratings, get out of debt and save more money, mortgages and other types of loans, identity theft, avoiding scams, etc.  My current website is, which has been in operation since 2003.

The devastation the COVID pandemic has had on regular Americans' financial health is alarming, and I want to do what I can to help.  Frankly, I am very terrified about what the pandemic has made very apparent to everyone -- that too many Americans live paycheck to paycheck (the current estimate is about 60 percent), and that wages have not kept up with the outrageously high cost of living in the United States for many decades now, leading to this current financial tragedy.

I am currently updating my e-books and writing a few more. In the meantime, I would like to begin this blog by asking what readers are most concerned with at this time regarding their finances.  If you have any questions, please ask.  I am only qualified to answer questions for people living in the United States or any of its territories, as my answers are often based on American laws, both federal and state, and would not be applicable outside of the USA.

Any questions?

Jeannie Boyd