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.
Spending limits must be realistic
Refrain from using your credit to subsidize your income.
Make your spending habits consistent. Large expenses should be pro-rated over a period of time.
Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).
No more than 25% of your monthly income should go towards installment debt – credit cards, loans, car payments, etc.