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DEBT MANAGEMENT TIPS

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

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

Act your own wage!

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.

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