A variety of money management, credit and first-time homebuyer programs are offered to schools, colleges, business, lenders, and civic organizations.
Refrain from using your credit to subsidize your income.
Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).
Deposit part of your income into a savings account to meet emergency expenses.
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.
Make your spending habits consistent. Large expenses should be pro-rated over a period of time.