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| Money Saving Tips (Listen) |
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| DEALING WITH CREDITORS |
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 Cease Calling
Creditors are known to excessively harass consumers even to jeopardize a consumer's position at work by calling their employer. Your rights too.
You have rights too. You can send this letter to any creditor you feel is calling you in excess.
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Click here
Word format |
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Click here
PDF format |
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Fair Debt Collection Act
This act is available to all consumers to read and understand their rights in regards to debt collection. |
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Click here
PDF format |
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| MONEY MANAGER WORKSHEET |
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 Employment & Income (New)
The spread sheet will help
you see on paper how much income your household brings in from all sources a monthly basis.
 Include rental income, pension and government assistance among your source of income.
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Personal Monthly Expenses (New)
Knowing how much income your household has on a monthly basis is just as important as knowing how much money your household spends on a monthly basis.
Most customers do monitor their major monthly expenses such as home, car and utilities. Your may be surprised by learning how much of your monthly income leaks out of your budget through small miscellaneous expenses. | | | |
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| DOWNLOAD MONEY SAVING TIPS |
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Fun way to create savings
To download it in PDF format click here |
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Save money on energy in your home
To download it in PDF format click here |
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Save money on fuel (gas)
To download it in PDF format click here |
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Save money with your checking account
To download it in PDF format click here |
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Save money grocery shopping
To download it in PDF format click here |
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| CREDIT REPORT MANAGEMENT |
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 How to dispute credit report errors
Nothing can be more frustrating then finding information on your credit report that is inaccurate. Follow these steps to ensure your credit report is not only accurate, but also remains accurate.
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Click here
PDF format |
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Credit report dispute letter |
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This is a sample letter you can use to guide you in preparing your own dispute letter to a credit report agency. | |
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Click here
Word format |
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Click here
PDF format |
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| FREE CREDIT REPORTS |
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 Free Annual Credit Report
The Fair and Accurate Credit
Transactions A (FACT Act) was signed into law in December 2003.
The FACT Act, a revision of the Fair Credit Reporting Act, allows consumers to get one free comprehensive disclosure of all of the information in their credit file from each of the three national credit reporting companies once every 12 months.
Because there are three major credit reporting companies, you can get 3 reports, one from each company per year, for FREE!
Free Annual Credit Report
https://www.annualcreditreport.com
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