Advantage Advisor
Monthly Newsletter
November / 2018
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The holiday season has begun and next up to the plate (pun intended) is Thanksgiving! If you find yourself as a host this year don’t stress we’re here to help. There are tweaks and tricks to hosting the most fabulous of Thanksgiving meals while staying on budget.

Click below for more information:
In This Issue:


Time To Gobble Up Savings
Strong Financial House
Budget When You Are Broke
Ways To Improve Finances
Clients Speak Out
Employee Spotlight
The Advantage Challenge
RECENT BLOG POSTS - 
For most Americans, buying a home is the largest purchase they will make in their lifetime. But it’s not enough to know what neighborhood, style of house, or square footage you want. Consumers also need to have their financial affairs in order prior to.... Read more
If you have a low income or no income right now, then it may seem like it is impossible to set a budget. Budgeting is a lot harder when your income is low. However, there are several things that you can do to live within your means. It takes dedication, hard work, and patience, but you can....   Read more
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Personal finance articles and websites contain plenty of helpful pieces of advice to take control of a difficult financial situation and learn how to improve it. Unfortunately, many of the methods are either excessively complex or do not pertain to an individual’s or family’s real-life circumstances. These....   Read more
CLIENTS SPEAK OUT - 
" Wonderful service. Fees were reasonable. Accommodating on the 2 times I had to delay my payments. Good customer service. Thank you for your help! "  ~  Melony E .
" During this past year it was a pleasure working with them for my debts. We were able to pay off our expense sooner than expedited. "  ~ Anthony B .
" The couple years of working with you has been awesome! I am very happy that I chose you when I did! Took very good care of me! "  ~ Elaine M .
EMPLOYEE SPOTLIGHT - 
In our “Employee Spotlight” series, we ask our employees about the role they play in our agency and a little bit about their family and personal life. We want to give you the ability to hear right from them about what gets them excited to come to work each day and how they personally help all of our clients succeed.
 
Let's meet our  Certified Credit and Housing Counselor ,  Sandra McGeary !
 
How long have you worked for the company? –  "It will be 34 years on 11/19/18."
 
What are your primary job duties? –  "I'm a certified housing and credit counselor."
 
What was the most unusual and/or interesting job you've ever had? –  "Well, I would have to say this job since I started when I was 20 and they're only my 3rd employer."
 
Would you say you are messy or organized? –  "Not sure? I like to organize…however I can never find anything when I need it."
 
What's your favorite food? –  "Cake."
 
What's your least favorite food? –  "Liver."
 
Do you have any hobbies? –  "I enjoy traveling, book collecting, scrapbooking, and antiquing."
 
What is the one thing you couldn’t live without? –  "My debit card!"
 
What is your favorite book and/or movie? –  "Too many to list! I read, listen to audible, and there is always an audio CD in my car. My husband said I will not live long enough to read all the books I have."
 
What is your favorite color? –  "Crimson."
 
What is your favorite vacation spot? -  "Disney World! 7 trips to date and I will be making my first trip to Disneyland in February!"
ADVANTAGE CHALLENGE - 
Are you up for the Advantage Challenge?

Advantage CCS challenges YOU to.... the Holiday Spending and Tracking Challenge!

The holiday rush gears up this
month and we're challenging you to become aware of how much you’re spending and what you’re spending it on.

For the months of November and December , we challenge you to track your expenses. Write down how much you spend and on what. Do this for everything , not just holiday related expenses. Once the holiday rush is over and you start planning New Year’s financial resolutions, look at your tracked expenses , total it up, and make a game plan to save that much money over the course of the next year.

If you’re looking to cut back on holiday spending, this could be a good challenge to try. Email us anytime at: info@advantageccs.org .