FINANCIAL COACHING SUMMARY REPORT Thanks to funding from the FINRA Foundation and a partnership with Step Up Savannah, from December 2014 through April 2016 CCCS conducted a financial coaching pilot for its Debt Management Plan (DMP) clients. CCCS delivered “virtual”…
A budget is a plan that shows you how you can spend your money every month. Making a budget can help you make sure you do not run out of money each month. Follow these steps on how to make…
Here are four steps to avoid child identity theft: Keep all documents that show a child’s personal information safely locked up. For example, protect their social security card or birth certificate. Before you share your child’s personal information on the…
Banks and Credit Unions offer checking accounts which may charge you a monthly service fee. To avoid fees, follow these three steps: Track the money that you spend with your debit card so that you do not overdraw your account.…
If any of the information on your credit report is inaccurate, follow these three steps to effectively dispute credit report errors: 1. Write a letter to the credit reporting company, explaining which information is wrong. 2. Along with the letter,…
A home inspection gives you more detailed information about the overall condition of a home prior to purchasing the home. In a home inspection, a qualified inspector takes an in-depth, unbiased look at your potential new home. Appraisals are different…
Debt settlement companies target financially distressed people and offer to negotiate with creditors on their behalf. These companies do this in an attempt to reach a lump sum settlement for less than the full amount owed. But, this practice exposes…
Many banks and credit unions offer overdraft programs. An overdraft occurs when you don’t have enough money in your account to cover a transaction, but the bank covers the transaction. These transactions can include ATM withdrawals or debit card purchases.…
If you are facing foreclosure, it is important that you take action today. Contact your mortgage lender to find options to avoid losing your home. Agencies like CCCS can help you explore your options and communicate with your mortgage company.…
Enrolling in direct deposit can help you save more money. Follow these steps to start saving money through direct deposits: Use your direct deposit program to send a separate deposit to your savings account. Don’t remove money from your savings…