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DEBT MANAGEMENT TIPS

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.

Refrain from using your credit to subsidize your income.

Keep an accurate record of your cash flow and expenses in order to stick to your plan.

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.