Financial Research

Follow financial trends and get insight on what consumers really think about debt, credit and personal finance with original surveys and data studies from Survey: Your Valentine Isn’t Keen on Adding to Your Debt

Someone may ask you to be their Valentine on Feb. 14, but they probably won’t try to buy your love. That’s the conclusion from the second annual Valentine’s Day Survey, which shows nearly half of American adults expect their loved ones to spend nothing on the holiday. Almost half expect to spend around $50. […]

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Money Regrets and Financial Resolutions for 2018

At the beginning of 2018, surveyed over 1,300 people to ask them about their greatest money regrets from 2017. We also wanted to know how many people make financial resolutions for the New Year and what they do to ensure they actually achieve those goals, instead of letting their resolutions slide after a few weeks.

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More Details about Financial Research from

At, we strive to understand what consumers think about debt and how they really feel about their finances and credit. That’s why we’re constantly polling and surveying consumers on a wide-range of financial research topics. This allows us to follow key trends in consumer finance and helps drive our development of new resources and tools that support consumers in their efforts to achieve long-term financial stability.

Most of the financial research studies you see listed above are conducted by’s research team through Survey Monkey. We acquire survey participants by reaching out to our email subscribers and social media audience. So, by and large, most of the respondents who take our surveys are consumers who are actively seeking debt, credit and budgeting solutions, or who have looked for these types of solutions in the past. All surveys we conduct require a minimum sample size of 1,000 respondents.

You can find the specific survey methodology for each survey at the bottom of each financial research study. We encourage you to use this information to gain a better understanding of consumer sentiments when it comes to personal finance. If you’re using this research for an article that will be published online, please link back to the original study when possible, so your readers have the opportunity to look at the full results themselves.

In addition, if you’d like to talk to a financial expert about any results you see here or request an in-depth interview, please reach out to our Social Media Director Michelle Bryan at You can also ask follow-up questions using the form on the right side of this page.

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Disclaimer: The information on this website, including the guidance of its ask-the-expert columns, may not be helpful to everyone and it is not intended as a substitute for personal professional financial advice. The content is wide ranging and does not consider your own personal financial situation. recommends that you seek the advice of an adviser that is fully familiar with your unique individual needs and circumstances before making or deploying any financial decisions or strategy. Please remember that your use of this website is governed by the Terms & Conditions.

Media Contact

Michelle Bryan
Michelle Bryan

Former Public Relations and Communications Manager


Fort Lauderdale, January 29, 2018 -As January ends and the holiday bills start to roll in, reports survey finding about American’s money regrets and hopes for the year ahead (see full results below).  Of the 1,300 survey respondents, over 77 percent said they are making financial New Year resolution in 2018 while only 43 percent said they made them in the past.The two biggest financial regrets selected pertain to credit scores.  Forty-four percent said running-up credit card balances or maxing them out hurting their credit score was the number one regret.  Second place went to missing payments and damaging credit scores at 23 percent.“Credit scores impact many aspects of life - from mortgages and auto loans to getting hired at a job you’re applying for and in light of the recent data breaches it is not surprising that credit scores are a major concern,” says Howard Dvorkin, chairman of notable regrets include:
  • Letting debt go into collections (19%)
  • Draining all the money from savings accounts (18%)
  • Taking money out of retirement accounts (7.5 %)
Of the over 56 percent of respondents who didn’t make New Year resolutions in past, more than 26 percent said it was due to their finances being is such bad shape they didn’t know where to start.Dvorkin warns, “If people feel their finances are spiraling out of control, the worst thing they can do is hide their head in the sand. Time only makes money problems more harmful and the lack of action can compound issues greatly. People need to reach out and find help.  That is why we formed as a safe space where people can get information and trusted answers.”Money goals for 2018 included:
  • Paying off credit cards (70%)
  • Saving more money (67%)
  • Spending less and budgeting more (48%)
  • Stop using credit cards (31%)
  • Start investing (16%)
  • Paying off student loans (12%)
  • Buying a car (12%)
  • Buying a home (12%)
 Reaching goals: Of the nearly 600 people who said they have made resolutions in the past, 63 percent said they did not reach their goal.For those who achieved their goals, when asked how long it took them over 42 percent said they worked all year long but just could not get there, while more than 30 percent said they worked for several months, but then got distracted.The good news: Of those surveyed who did achieve their financial resolutions in the past, 42 percent did so within a year. More than 31 percent said it took over a year, but they finally made it.About is the consumer website where people can find help with credit card debt, student loan assistance, credit monitoring, tax debt, identity theft, credit repair, bankruptcy, debt collector harassment and more. works with only vetted and certified providers that give the best advice and solutions for consumers ‘when life happens’.MEDIA CONTACT:Michelle Bryan  646-373-5072