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

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

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.

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.