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

Deposit part of your income into a savings account to meet emergency expenses.

Act your own wage!

Make your spending habits consistent. Large expenses should be pro-rated over a period of time.