HTML Version    Adobe Acrobat Version

This monthly newsletter will keep you on track toward debt freedom. Each month there are articles and tips about debt, usually focusing on the problems of and solutions to consumer debt. These articles are written by people who are experts in this field, and that have personal and professional experience and knowledge that they want to pass on to others. This will be mailed monthly to you as long as you are participating in a monthly payment program.

Compare the prices and coverage of different insurance policies that meet your specific needs. Learn how much coverage will provide financial security for your loved ones when you're gone. Does that unpaid bill from a department store purchase a couple of months ago affect how much you pay for insurance? Yes it does - and it may even affect whether you can get insurance at all, at least from some companies. This is available as a download.

The first place many people start to get into financial trouble is through their checkbook. Although checks can run the color and design gamut from basic blue with formal script to hot pink with Disney cartoon images, the "how-to's" of maintaining a checking account are universal. Here are some basic steps to help you keep an error-free register. This is available as a download.

Planning your financial future requires that you start building a secure foundation under your financial house today. However, many individuals begin planning and investing for their future before they have a clear idea of their present situation. One of the best ways to begin building for the future is to create a monthly budget. Your monthly budget is the first step in designing your overall investment strategy. This is available as a download.

If you're divorced or separated (or are thinking about it), your next moves have to be smart. Here are some suggestions that can help you make the right credit-related decisions for your unique situation. Whether you're starting out on your own and need to establish credit, moving to or buying a new home, or even if you are now the primary bill payer, it's critical for you to be familiar with the information on your credit report. This is available as a download.

With the increasing number of couples getting married, this is an excellent time to review the financial aspects of a new marriage. While most soon-to-be newlyweds are concentrating on the wedding night, it is not uncommon to find that most couples have not discussed the financial stuff. There are simple steps every newly married couple can use to build a successful financial future. This is available as a download.

The spending habits of kids are being watched by some of the world's largest corporations. Why is this so? Two reasons exist for this intense interest. First, the kids of today will be the consumers of tomorrow. Secondly, this group of the population has the largest amount of disposable income. As the economy continues its strong growth rate and incomes continue to rise parents are giving their children more money to spend. This is available as a download.

Spending patterns of older households differ not only by income, but according to work status. Older workers allocate more to retirement, pension, and Social Security funds, while the nonworking elderly spend more on food prepared at home and health care. Do you have enough retirement income and savings to provide for your needs? Should steps be taken to help stretch your assets over your life expectancies? What if you eventually need nursing home care? Getting familiar with important information now will be much easier than trying to find this information if you become physically or mentally impaired. This is available as a download.