Recently the NFCC (National Foundation for Credit Counseling) started a nationwide campaign called “Sharpen Your Financial Focus”. This campaign is designed to help anyone get on the right path to financial freedom. This is exciting for CCCS for the Ozarks because we are part of this campaign and are helping people reach their financial goals. You can get started by …
How to Start or Re-Start Your Monthly Budget
The hardest part about budgeting is getting started! Here are some tips that may help you. Step One : Look at the last 2 months of your bank statements to see how much your monthly bills are and what you spend your money on. This will help you determine how much you will need to realistically budget for and takes …
CCCS client survey
Below is a link to our most recent client survey. We strive hard to please our clients. The survey can take as little as 2 minutes but not more than 10 minutes. If you are a CCCS client, please take a few minutes to particiapte. The results will be published in August here and on our Facebook page. http://conta.cc/1atLI2o Thanks …
How to Dress for less Part 2
How to Dress for less Part 2 This weekend I went to the Red Rack in Springfield, Mo. on South Kansas Expressway. It is a second hand store and I was able to find some great clothes for work and casual at a discounted price. When I tell people that I shop, mostly, second hand they have a shocked look …
Dos and Dont’s for that much-needed financial conversation for engage and married couples
With many brides and grooms walking down the aisle in June, regardless of how difficult it may be, the conversation about personal finances is one that should be neither ignored nor postponed. As a matter of fact, to increase the odds of making ‘happily ever-after’ a reality, the discussion should take place before the ‘I do,’ not after. Don’t spring …
Clearing up Confusion about using a Consumer Credit Counseling Agency
Clearing up Confusion about using a Consumer Credit Counseling Agency According to the National Foundation for Credit Counseling’s (NFCC) recent Financial Literacy Survey, many consumers have misperceptions about credit counseling agencies, causing confusion that is preventing them from reaching out for the help they need. NFCC Member Agencies are required to be accredited by an independent third party, and all …
Seeking Financial Guidance
Seeking financial guidance is NOT a sign of weakness, it is a step toward financial freedom. Personal finance is a sensitive subject and CCCS of the Ozarks has found that pride or lack of understanding is hindering one from seeking some kind of financial guidance. When is a good time to seek financial help and start making some serious strides …
Some Lenders Require You To Keep A $500 Deductible or Less.
WHY DO SOME LENDERS REQUIRE YOU TO KEEP A $500 DEDUCTIBLE OR LESS WHEN FINANCING A VEHICLE? When you finance a vehicle, it does not belong to you, it belongs to the lender until it is paid in full. Therefore the lender, bank, credit union, and so on, need to make sure that this vehicle is going to be fixed …
Independent Foreclosure Review
Beginning in April 2011 federal banking regulators issued enforcement actions against several large federally regulated mortgage servicing companies. Yep, you know its bad when the feds take this kind of action. What did these mortgage servicing companies do? The politically correct answer goes something like this..” mortgage servicing companies will have to correct deficient mortgage servicing and foreclosure processes and …
Saving money doesn’t have to be so difficult when you have a goal.
Saving money doesn’t have to be so difficult when you have a goal. When it comes to saving money, we all have different reasons. One common denominator is that it takes discipline and motivation. Unfortunately there are too many people that do not save money and use expensive routes, such as payday or title loans, or have to rely on …