In conjunction with the National Foundation for Credit Counseling (NFCC), CCCS of NE PA is proud to announce the beginning of our annual poster contest. This year’s theme is “Be Money Wi$e – I’m going to be a millionaire because I… “. High school students in grades 9 through 12 are eligible. Local prizes will be awarded. The local winning poster will be sent to the NFCC Headquarters in Silver Spring, MD to be judged on a national level. The National overall winner will receive an award plaque, a $500 savings bond, and an all-expense paid trip (includes travel, lodging, and meals) with a parent or guardian to Washington, DC to be presented with their national award. Deadline for posters to be received in our Main Office in Pittston for local judging is Feb. 13, 2009. For more information please contact our Education Department at 1-800-922-9537 ext. 220 or by e-mail at tstocki@cccsnepa.org.
At the end of July, CCCS launched its newly designed and fully featured website. Features have been added such as Live Chat with Counselors, Downloadable Worksheets and Guides, a Payment Center, an Online Application to enroll in the Debt Management Program, and an Online Financial Management Education Program!
Look for ways of saving money on expenses and eliminating non-essential expenses (entertainment, cable, cigarettes, shopping).
Deposit part of your income into a savings account to meet emergency expenses.
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.
Keep an accurate record of your cash flow and expenses in order to stick to your plan.