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About 80% of Americans say they have a budget, a jump from 68% two years ago, according to a Debt.com survey of more than 1,000 people.

“Debt that affects someone’s shelter and security, such as mortgage debt, should be looked at first,” said Howard Dvorkin, CPA, personal finance expert and chairman of Debt.com. “Credit card, medical and student loan debt can be looked at afterward.”

“You’ll spend a lot of hours consuming this content, which means it’s one of the cheaper ways to spend your time,” says Howard Dvorkin, certified public accountant and chairman of Debt.com.

Debt.com chairman, Howard Dvorkin, CPA, discusses how the COVID-19 pandemic contributed to an increase in day-to-day living costs.

“If the pandemic has taught us anything, it’s to make sure we have enough items at home to last us for a while,” says Howard Dvorkin, certified public accountant and chairman of personal finance site Debt.com. That advice isn’t limited to pantry items either. “If your old personal computer kept crashing and it was … a major problem during Zoom meetings, this is the time to get a new one.”

“Eviction is so terrifying because it’s a Frankenstein’s monster built out of all your other problems,” says Howard Dvorkin, CPA and chairman of Debt.com. “The only way to keep a roof over your head is to keep your head. Scour the internet, make some calls and enlist some allies. They’re out there.”

I launched my first business more than three decades ago. I launched my most recent business six months ago. I’ve invested in dozens since then, and I’m considering a few more right now.

None of them have anything to do with the hot topic of the season: cryptocurrency. None of them will, either. Not for a long time, if ever.

There are reasons why I won’t invest in cryptocurrency, and they’re the same reasons why you shouldn’t distract yourself by even considering it…

“Buying a home at the top of the market is bad enough. At least you’ll live in it – hopefully for many years — before you sell at a profit. But if you buy an investment property for top dollar, you risk bottoming out,” Howard Dvorkin, a Certified Public Accountant and chairman of Debt.com,

Debt.com chairman Howard Dvorkin is here with some sound advice for avoiding the pitfalls of Summer vacation overspending! Stick to these tips and the relaxation can continue long after you’re back home.

“You don’t know what you can afford, and, more importantly, what you can’t afford, until you see how much money is available,” says Howard Dvorkin, chairman of consumer financial advisory site Debt.com.

Howard Dvorkin, a CPA, says that the most common scams of 2021 so far have involved stimulus checks.

Howard Dvorkin, CPA and Chairman of Debt.com, tells GOBankingRates that he “can’t think of anything more ridiculous than adding crypto currency to a retirement portfolio.”

“That might mean delaying retirement for a couple of years, but you’ll be glad you did,” said Howard Dvorkin, CPA and chairman of Debt.com.

Howard Dvorkin, a CPA, says that the most common scams of 2021 so far have involved stimulus checks.

“Whether via text, email, or phone call, these scammers all told the same lie, which is you need to ‘confirm’ your personal information before you can receive your check. Once you hand over your Social Security number and other data, you’re toast,” says Dvorkin. “A variation of this scam was offering ‘COVID relief grants’ in addition to your stimulus checks. Of course, to apply for these substantial grants, you had to hand over every bit of personal data those scammers could sell to even worse people who would run up your credit cards and raid your bank accounts.”

“Private student loan interest rates depend on several different factors, some of which are in your control — and some that aren’t,” says Howard Dvorkin, a certified public accountant and chairman at Debt.com. “Depending on the lender, your credit score and market trends could have an effect on your rate.”