Deposit part of your income into a savings account to meet emergency expenses.
No more than 25% of your monthly income should go towards installment debt – credit cards, loans, car payments, etc.
Spending limits must be realistic
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.
Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).