Debt in North Carolina and across the nation is rising and experts are offering tips to help people to make a shift in their finances.

The average person in North Carolina has more than $96,000 in debt across student loans, car loans, credit cards and other types of personal loans.

Joe Mecca, vice president of communications for Coastal Credit Union in Raleigh, said if you haven't already, now is the best time to tackle financial tasks to help tackle debt and strive for financial security.

"Setting goals, doing some planning and creating or maintaining their budget," Mecca outlined. "They're getting ready to maybe purchase a home, and need help with the homebuying process. Or, they're trying to plan for retirement or saving for education. And then, a growing trend that we're hearing more and more about is financial caregiving."

He explained thinking about your financial obligations at the beginning of the year is key when building your financial plan. He advised starting with the basics and increasing your knowledge along the way. He also recommended seeking out a professional who can help guide the process.

A recent study from WalletHub found North Carolina was among 18 states seeing an increase in personal debt last year.

To bring your financial situation under control, Mecca emphasized it is important to spend less than you earn, having a clear understanding of your income and expenses, and always prioritizing living within your means. He pointed out automation is one way to do this.

"One thing I always recommend to people is, automate as much as you can," Mecca explained. "When you get your payroll deposited into your account, immediately do a transfer into savings if you're trying to reach a goal, or make a transfer into a loan that you're trying to pay down, transfer into a retirement account."

He suggested another thing you can do is find ways to increase your knowledge about money overall, and checking with your financial institution can be a good resource. For instance, he noted Coastal Credit Union has a self-help hub offering interactive modules, covering topics from basic financial planning and budgeting to advanced subjects such as homeownership, investing and retirement.


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Tariffs are disrupting supply chains from China, making it harder for reusable alternatives to compete with single-use plastics.

Jeffrey Delkin, president of Bambu, an Oregon-based company which has been making plastic-free home goods for 20 years, said the Trump administration's 145% tariffs forced the company to lay off their staff in China and make their U.S. staff part-time. Though Chinese tariffs will now drop to 30% for 90 days, Delkin noted it is still a huge jump from the usual 3.5%.

He fears the tariff roller coaster threatens the company's future as well as the market for plastic alternatives.

"Unfortunately, this is a time where we need more small, right-minded, responsibly operated businesses," Delkin contended. "The current conditions are not helping."

Data show even before the trade war, plastic products faced much lower tariffs than their alternatives. This keeps plastic prices low and makes it harder for alternatives to compete. Delkin added since the oil industry receives large government subsidies, plastic producers are better able to absorb extra costs.

Research shows plastics contain harmful chemicals which leech into food, water and the environment. Emissions created during plastic production also contribute to climate change.

Delkin pointed out the public is still learning about the effects of microplastics on overall health, adding more than 90% of plastic produced ends up in landfills.

"It's that kind of stark reality that encouraged us to do what we do and to really promote renewable materials," Delkin explained.

The plastic market continues to grow despite its harmful effects. In 2020, about 370 million tons of plastic were traded, valued at $1.2 trillion.


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A new tool aims to equip Oregonians with the knowledge they need to take control of their personal data and protect their privacy online.

Oregon Consumer Justice created the guide after the Oregon Consumer Privacy Act took effect last summer, empowering residents to control how businesses collect and use their personal data. The guide explained how to request records of collected and sold personal information.

Malena Lechon-Galdos, program coordinator for the Portland-based nonprofit suma, which helped work on the guide, said most people do not understand how much of their data, from internet search histories to social security numbers, is being collected, bought and sold.

"The internet is a tool that everyone at this point needs to utilize, even if it's getting basic resources," Lechon-Galdos pointed out. "How can we do it in a way that is safe?"

The guide includes step-by-step instructions on how to opt out of targeted advertising and stop the sale of personal data.

Cookies, explained Lechon-Galdos, help websites track the personal information people enter, as well as users' locations. All the information is bought and sold by data brokers to create personalized advertisements. Information can also be purchased by federal agencies and used in investigations, Lechon-Galdos added, which has raised concerns about warrantless surveillance.

"What we want the community to know is there are risks here," Lechon-Galdos stressed. "Here is how to mitigate some of these risks so you can feel more knowledgeable, more in control."

The new tool addresses barriers to digital rights awareness, Lechon-Galdos noted, including complex jargon and limited tech access. Oregon Consumer Justice said it hopes the information will help build a network of informed data privacy advocates.


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West Virginia coal miners filed a lawsuit asking a federal judge to temporarily halt the Trump administration's layoffs impacting the Coal Workers Health Surveillance Program.

The National Institute for Occupational Safety and Health houses the program, which offers the screenings free of charge.

Travis Parsons, director of occupational safety and health for the Laborers' Health and Safety Fund of North America and a native West Virginian, said a majority, some 80% to 90% of workers at the program, have now lost their jobs.

"We always lean on NIOSH for research," Parsons noted. "Any time we had a new OSHA rule, we leaned on them for their expertise and to create a safer workplace."

The class action lawsuit against the federal government was filed on behalf of miners by Appalachian Mountain Advocates, Mountain State Justice and Petsonk Labor and Employment Law. Modern changes in mining technology have allowed miners to dig deeper into rock, increasing their exposure to silica dust, which has driven up rates of black lung disease, according to the American Journal of Managed Care.

Parsons added the program NIOSH has unique tasks and expertise which cannot be easily transferred to other agencies.

"They're the only agency in the country that certified respirators and tested respirators," Parsons pointed out.

The Centers for Disease Control and Prevention estimates around 20% of coal miners in Central Appalachia have been diagnosed with black lung disease.


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