Debt management and basic budgeting
In preparation for setting up debt management spending-plan you should list on a separate sheet of paper all sources of monthly income including gifts, bonuses, tax refunds, cost of living increases, dividends and interest income, etc. More on basic budgeting.

Warning signs of credit card debt
Are you aware of your finances and the warning signs that might help you avoid the debt problems and other negative credit situations. Do you make only minimum payments on your credit card debt and other revolving accounts. More on credit card debt

What to do when in debt
Getting out of debt takes a lot of planning, discipline and sometimes changes to your spending habits. It is important for a person to realize they are in debt and are seriously willing to eliminate that debt. More on what to do when in debt

Improving your credit score
Improving your credit score takes time and there is no quick fix to the situation. The best thing to do is to properly manage your credit responsibly over time. More on credit score.

Dealing with creditors
Creditors are eager to work with people who admit they are in trouble and need some help working things out. They express their greatest concern, however, over those delinquent customers who don't stay in touch. Here are some basic rules for dealing with creditors.

Credit repair facts
The Federal Trade Commission (FTC) recently announced action being taken in 15 different cases against credit repair firms that still are bilking consumers out of millions of dollars annually. It also announced a new consumer education program. Here are some facts on credit repair.

Spending Snapshot
Everyday spending decisions can shape your financial future. Answer these simple yes or no questions and get a snapshot of your spending styles.

Disaster recovery
This guide to financial issues is offered to you as a public service of the American Institute of Certified Public Accountants (AICPA), AICPA Foundation, the American Red Cross, and the National Endowment for Financial Education® (NEFE®).

	Top Reasons For Bad Credit
	Lost job or income unexpectedly Separation or Divorce Co-signed for another Has been bankrupt before Maxed out on credit cards Illness or other accidental disability Tax liens or judgments Has bounced checks in past Victim of crime or fraud

	Budget Guidelines Chart
	Formulating and strictly adhering to a budget is the key to gaining control of your finances. Here is a chart of our suggested budgeting guidelines.

	Free Financial Workshops and Seminars
	We give free financial seminars that cover most topics on debt management. Contact us to schedule your free financial educational community workshop and seminar. More Info

Debt management calculators
Consolidating your debt can dramatically speed the process of paying off debts. These calculators helps to determine how much you can save by consolidating into one low monthly payment.

About your credit report
Your credit report (also known as a credit file or profile) is a written report that is comprised of information about your personal credit worthiness and debt repayment history.

For more debt management information, finacial articles, budgeting tips and financial tools Click Here

Click here for a FREE debt management analysis