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DEBT MANAGEMENT TIPS

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.

Refrain from using your credit to subsidize your income.

Make the budget a family project. Everyone must be involved in order for it to work.

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.