The following guidelines will be used in determining whether a fee waiver or reduction is warranted. These amounts are based on the 2013 U S Census Poverty Thresholds. New EOUST Guidelines state that families with income less than 150% of the Poverty Guidelines for the Contiguous 48 States are presumed to be entitled to a fee waiver. However, the final …
10 Benefits of Living Debt-Free
10 Benefits of Living Debt-Free Peace of mind Financial security Improved marital relationship Better health and lifestyle More free time Emergency fund lasts longer Strengthened self confidence Extra money to put towards savings More money available to invest. More time with kids and family. Living a debt-free life means different things to different families and individuals. Write down what becoming …
Poll Respondents More Embarrassed to Admit Credit Card Balance and Credit Score than Age or Weight
Springfield, Mo. – According to the National Foundation for Credit Counseling™ (NFCC) recent online poll, when asked what they would be most embarrassed to admit, the highest number of respondents, 37 percent, indicated it was their credit card debt. People were given five categories from which to choose. In addition to credit card debt, the options included age, weight, bank …
Tax Refund. Now you see it, now you don’t.
Money has a great way of disappearing and slipping through our fingers, so let’s really take a hard look at how that money could be spent or saved. Do you want to help with your children’s college costs? A tax refund would be a great way to kick start that fund or add to what you have already saved. Do …
Debt May Spoil Cupid’s Plans This Valentine’s Day
Springfield, MO. – Cupid is up against a mighty opponent this Valentine’s Day: DEBT. The majority of respondents participating in the National Foundation for Credit Counseling (NFCC) monthly poll indicated they would have serious reservations about taking on the debt of the person they love, even to the point of ending the relationship. The NFCC January poll question and results …
Tapping into your emergency fund
I often have informative questions when I am teaching financial awareness to the community. Here is a question I wanted to share. Question: I am establishing an emergency fund but what reasons would I need to tap into this savings account? Answer: Having an emergency fund is strictly for emergencies and you can decide what constitutes an emergency. Make a …
Don’t Let Black Friday Lead to the January Blues
At this time of year, millions of people put their financial common sense on the shelf, tucking it away into a winter hibernation of sorts, thereby making it much easier to take part in the once per year phenomenon known as Black Friday, the mother of all shopping days. The problem with this practice is that financial reality is just …
Legitimate help is available
False Perceptions of Credit Counseling Keep Consumers from Seeking Assistance The July poll on the National Foundation for Credit Counseling (NFCC) website revealed that consumers have false perceptions about credit couseling which keep them from obtaining the help they need. “The Poll numbers are disturbing on many levels,” said Joe Stokes, CEO of CCCS of the Ozarks. “Many well-meaning consumers …