Advantage Advisor
Monthly Newsletter
October / 2018
Could you be a good candidate for free credit counseling? Ask yourself these questions: Do you feel like you need a break when you sit down to do your bills every month? After you have paid your monthly bills, do you avoid buying anything for two weeks, so you don’t overdraw your account? Do you get anxious whenever you come home and see a full mailbox? If you answered “Yes” to any of these, free credit counseling may be just what you need!

Click below for more information:
In This Issue:


Relieve The Stress Of Debt
Nonprofit Credit Counseling
The 5 Biggest Money Mistakes
Cut College Tuition Costs
Clients Speak Out
Employee Spotlight
The Advantage Challenge
RECENT BLOG POSTS - 
In these difficult economic times, it’s common for people to live from paycheck to paycheck. They worry about dealing with debt collectors constantly. A workable budget seems unreal to them, and money for retirement is out of the question. When people find themselves in such a situation, there is help available. It may be time for them to consider the services of a .... Read more
It can be hard for people to manage their money properly without doing a little research first. There are also BIG mistakes that people can make that will make it even harder for them to manage their money in the future. The following 5 money mistakes will stop....   Read more
For many high school students, the next step after graduation is to head off to college, but paying for college can be an obstacle. With the cost of secondary education on the rise, you may want to examine some of the ways you can  cut college tuition costs  in order to achieve your higher education goals. College tuition prices in the....   Read more
CLIENTS SPEAK OUT - 
" Everyone at ACCS was so nice and helpful. I was so far in debt that I couldn't afford my credit card payments mostly because of the high interests I was paying. Regardless of my income ACCS took me in. My interest rates went from around 29 percent to as low a zero percent. The highest I had was 9 percent. Within a few years I went from owing around 100 grand to zero! It feels so good to be debt free. I quit using credit cards and I have learned to live like that and love it! "  ~ Frank G .
" You were wonderful in helping me pay off my debt! Never made me feel bad about the "situation" I got myself into and very easy to work with. It was a long road but with your help I made it!! Thank you! "  ~ Maria S.
" I was extremely pleased with the entire experience. My credit score is now in the 800's. I would have never been able to manage my debt alone. I am so thankful for your program. I have recommended your program to anyone who has debt and wants to get out of it quickly and restore their credit to good standing. Thank you for all the support. I am truly a fan of this program. "  ~ Kelly F.
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  Internet Client Specialist ,  Debbie Thomas !
 
How long have you worked for the company? –  "I've been here for 11 years."
 
What are your primary job duties? –  "Contacting our Internet leads. Scheduling appointments. Sending out Debt Management Program paperwork. Following up on Pending Debt Management Program potential clients."
 
What was the most unusual and/or interesting job you've ever had? –  "My first job. I worked in a 5 & 10 cent store that sold everything from penny candy to sewing thread."
 
Would you say you are messy or organized? –  "Somewhere in the middle. It depends on the day!"
 
What's your favorite food? –  "Chicken Francaise."
 
What's your least favorite food? –  "Mushrooms."
 
Do you have any hobbies? –  "I collect Boyds Bears."
 
What is the one thing you couldn’t live without? –  "My family."
 
What is your favorite book and/or movie? –  "I love to read Romance/Suspense books. My favorite movie is The Bodyguard."
 
What is your favorite color? –  "Blue."
 
What is your favorite vacation spot? -  "Disney World!"
ADVANTAGE CHALLENGE - 
Are you up for the Advantage Challenge?

Advantage CCS challenges YOU to.... the mini 52-week saving challenge!

For those looking to start small, the mini 52-week saving challenge involves starting at $0.50 rather than $1. You start off saving $0.50 the first week, $1 the second week, $1.50 the third week, and on the 52nd week, you save $26.

By the end of the challenge, you will have saved $689 . Half the amount of the regular 52-week saving challenge, but it's a great start and it can show you that you can do the regular (harder) 52-week saving challenge next year.

If you’re looking to start small and save for small expense, this could be a good challenge to try. Email us anytime at: info@advantageccs.org .