Despite the little rodent’s musty prediction, we’re just not “feeling” winter this year. Instead, many of us are already shedding winter wardrobes and colors and enjoying fresh, sunny Spring days. With IncomeTax season also approaching this is a great time to do a little Financial Spring Cleaning, too. 

Just as you would never attempt to "handle" your own appendectomy, you should not try to do your own financial recovery.

Determine ON PURPOSE to QUIT SPENDING MONEY YOU DO NOT HAVE! Go to the “Tools” section of our web site and print out a Budget Spending Plan. http://www.40debts.org/counseling/Tools/BudgetAnalysisLong.asp Fill in exactly what you REALLY have and only plan your holiday spending on what is really left...Period!

Tips to Stay Connected and Get back into the Work Force with confidence. You “become” your environment! So, avoid everyone else who is unemployed and any excuses for staying unemployed.

Our Reward for Bail-Outs…NEW FEES!

So, is any bank safe these days from one more “What’s in your Wallet”  Wall Street Bandit?  The security blanket for banks ... is that they have signed individuals up for so many “extra services” that they hope none of us will go to the trouble of switching banks;

 DebtFreeAmerica has set September as Financial Organization and Goal Setting Month. Organizing and filing critical financial records for easy bookkeeping access and reference not only provides a visual of where your money is, but lets you chart successes and anticipate seasonal peaks in spending. 

   Goal Powered Spending Toolkit to track “Every Dollar On Purpose!”

Living within your means does NOT mean you have to sit at home and miss ALL the little pleasures of Retirement! You paid taxes all these years. Very BOLDLY ask, "Do you give Senior Discounts to 55+?" The worst that may happen is they CARD you! How nice is THAT!  

Meanwhile... www.bradsdeals.com is providing major on-going discounts available for Seniors!

This client, who chose to remain confidential,  is completing her Debt Management program in early 2012. As a step toward rebuilding her Credit history, she was advised to apply for one reputable credit card with an excellent low finance rate. These are the Real Life stories that get us up and at this job every day. How soon will YOU be working your exit plan from Debt Valley?

Just realize, CREDIT SCORE is an Adult Activity with Relative Consequences and Responsibilities. This is not some High School game of Beat the Creditor. You ultimately lose in a FIXED GAME.