| April 11, 2012

Are you using all the debt management resources at your disposal?

Many Americans are carrying several types of credit balances, ranging from mortgages and car payments to credit card debt and student loans. Facing high balances can make many adults feel overwhelmed when it comes to managing and chipping away at thousands of dollars in debt payments. However, there are several debt management tools and resources that often go unused because individuals either are not aware they exist or dismiss the merits of using them.

The counselors at Consolidated Credit explain debt management resources are an effective way for consumers to keep tabs on their balances and payments, they also provide consumers with a better understanding of where their money is going and how changes in their spending could help them tackle debt.

One of the most effective, yet overlooked tools, many adults know about but do not employ is a monthly budget. Keeping a money management spreadsheet of expenses vs. income can help adults set spending parameters that ensure all of their financial obligations have been met and they are not living beyond their means. Many adults may feel constrained by a budget, but the opposite is actually true. By knowing how much they can afford to spend each month, it allows them to make better decisions about their purchases and track their progress in paying down their debt totals.

Mobile apps have also become a new debt management tool that adults of all ages and income brackets are turning toward. There are several money management apps that help consumers track their spending, balance their checkbooks and send balance notifications to help adults avoid overspending. But in addition, mobile apps are also being used to help individuals save money on basic necessities, such as groceries and gas, and discretionary purchases, such as clothing and electronics. This can be a cost-effective and timely way to receive coupons, discounts and other perks to combat rising food and gas costs, giving individuals more money to pay down other balances.

Lastly, many Americans discount the professional services that are at their disposal to help them manage their debt. Credit counseling services, financial advisors and housing experts can all provide guidance and advice on the best strategies to pay off balances and start saving money. Professionals can also provide individuals with budgeting resources, tutorials and other financial literacy tools to help educate them about all of their money management options.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

All Consolidated Credit counselors are certified personal financial counselors (CFC) We've helped 5 million people get out of debt! Call us today and see what we can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

The National Industry Standards for Homeownership Education and Counseling are a set of guidelines for quality homeownership and counseling services. Industry professionals who adopt these standards can be trusted to provide consistent, high quality advice.
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Consolidated Credit Consulting Services, Inc. has been verified as the owner or operator of the Web site located at www.consolidatedcredit.org. Official records confirm Consolidated Credit Consulting Services, Inc. as a valid business. Call us today and see what we can do for you.

Consolidated Credit is a Certified ISO 9001 company, as verified through Bureau Veritas Certification.

Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

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Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company. To see what we can do for you, give us a call.

U.S. Department of Housing and Urban Development - HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

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