CCCS offers this service to businesses who have training programs for their employees.
Topics include, but are not limited to, budgeting, using credit wisely, and correcting your credit report.
Make the budget a family project. Everyone must be involved in order for it to work.
Spending limits must be realistic
Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).
Look for ways of saving money on expenses and eliminating non-essential expenses (entertainment, cable, cigarettes, shopping).
Refrain from using your credit to subsidize your income.