Worksheets and Helpful Documents

: debtmanagement.pdf
6 Month Expense Tracking Sheet: Use this sheet to monitor your spending and budgeting on a monthly basis.; expenses.pdf
Budget Planner: Use this sheet to plan out your income and expenses.; budgetplanner.pdf
Consumer Connection V 18 # 3 Fall 2011: The fall issue of Consumer Connection has some important information about Housing Programs Eliminated State and Nationwide, an important message from Operations and some helpful tips on Preparing for the holiday$!; CONSUMER CONNECTION v18 #3 Fall 2011 final (3).pdf
Consumer Connection V 18 #4 Winter 2011: The winter issue of Consumer Connection has important information about Client Maintenance Fees, the LIHEAP Program and FREE Tax Preparation! "Refer a Friend" that successfully enrolls in a Debt Management Program and have your maintenance fee waived for three months!; CONSUMER CONNECTION v18 #4 Winter 2011 2.pdf
Consumer Connection V 18 No. 1 Spring 2011: The spring issue of Consumer Connection lists our activities planned for Financial Literacy Month, announces our poster contest winners along with a photo of the local winning poster, important operations information and tips to help you through the gas crunch! Please note that we will be at the Steamtown Mall in Scranton on THURSDAY, APRIL 14TH, NOT WEDNESDAY!; CONSUMER CONNECTION v18 1 Spring 2011 2.pdf
Consumer Connection V18 #2 Summer 2011: The Summer Issue of Consumer Connection has some important informaton about saving your home from foreclosure with the EHLP Program (Emergency Homeowners Loan Program), some tips if you are nearing the payoff of your CCCS account , Mortgage Assistance Scams and much more!; CONSUMER CONNECTION v18 #2 Summer 2011.pdf
Financial Fitness Guide: Financial Fitness Guide 2009.doc.pdf
General Information Worksheet: This is the printable version of our debt management program enrollment general information worksheet.; General Information Worksheet.pdf

DEBT MANAGEMENT TIPS

Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).

Refrain from using your credit to subsidize your income.

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.

Make your spending habits consistent. Large expenses should be pro-rated over a period of time.