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Refrain from using your credit to subsidize your income.
Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).
Review your statements regularly from your creditors while on the DMP. Report any unusual fees or activity to CCCS Operations Department, and send a copy of each of your statements every three months for official review.
No more than 25% of your monthly income should go towards installment debt – credit cards, loans, car payments, etc.
Make the budget a family project. Everyone must be involved in order for it to work.